International Health Insurance

Create your perfect plan with Cigna and combine the reassurance of comprehensive inpatient cover with the flexibility of optional extra benefits.

At Cigna Global, we specialize in international health insurance for globally mobile individuals and their families. Whether you are an expat working or living abroad, someone who has retired to a different country or a student perhaps, we have medical insurance plans you can tailor to your own situation.

We are dedicated to helping our customers better manage their overall health and wellbeing and ensuring our customers have quality care available as and when they need it, allowing them to focus on what matters most, their recovery.

All plans include the following as standard:

Medical essentials

Essential hospital stays and treatments, including: surgeons and specialist consultation fees, hospital accommodation, nursing and medicines

Flexible plans

The flexibility to choose an area of coverage that suits your circumstances,and deductible and cost share options that suit your budget

Tailored medical support

Access to support from Cigna doctors and nurses through our Clinical Case Management programme

Cigna core plans

Silver

The core benefits on the Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.

  • Annual Benefit Limit: $1,000,000
  • Inpatient and daypatient treatment
  • Private room
  • Full cancer care
  • Newborn care cover

Gold

Comprehensive coverage, with higher overall annual limits and added benefits including inpatient maternity care.

  • Annual Benefit Limit: $2,000,000
  • Inpatient and daypatient treatment
  • Private room
  • Full cancer care
  • Inpatient Maternity
  • Access to our Safe Travel app

Platinum

Our highest level of coverage offers an unlimited overall annual limit, with most benefits being paid in full.

  • Annual Benefit Limit: Paid in full
  • Inpatient and daypatient treatment
  • Private room
  • Full cancer care
  • Inpatient Maternity
  • Mental and Behavioural Health care paid in full
  • Access to our Safe Travel app

International Health Plans details

Annual benefit - maximum per beneficiary per period of cover

This includes claims paid across all sections of International Medical Insurance.

Silver

$1,000,000

Gold

$2,000,000

Platinum

Paid in full

Close Care

$500,000

Hospital charges for:

Inpatient & daypatient treatment.

Silver

Paid in full
Private room

Gold

Paid in full
Private room

Platinum

Paid in full
Private room

Close Care

Paid in full
Semi-private room
Kidney dialysis: $5,000
Emergency inpatient dental treatment: $2,500

Hospital accommodation for a parent or guardian
Silver

$1,000

Gold

$1,000

Platinum

Paid in Full

Close Care

No coverage

Inpatient cash benefit

Per night up to 30 days per beneficiary per period of cover.

Silver

$100

Gold

$100

Platinum

$200

Close Care

No coverage

Accident and Emergency Room treatment

For necessary emergency treatment.

Silver

$500

Gold

$1000

Platinum

$1,200

Close Care

No coverage

Transplant services
Silver

Paid in Full

Gold

Paid in Full

Platinum

Paid in Full

Close Care

No coverage

Advanced Medical Imaging (MRI, CT and PET scans)

As part of inpatient, daypatient or outpatient treatment.

Silver

$10,000

Gold

$15,000

Platinum

Paid in Full

Close Care

$2,500

Rehabilitation

We will pay for:

  • Physiotherapy;
  • Occupational therapy;
  • Cognitive and speech therapies;
  • Cardiac and pulmonary rehabilitation.
Silver

$5,000
Up to 30 days

Gold

$10,000
Up to 60 days

Platinum

Paid in Full
Up to 90 days

Close Care

$2,000

Home nursing
Silver

$2,500
Up to 30 days

Gold

$5,000
Up to 60 days

Platinum

Paid in Full
Up to 120 days

Close Care

No coverage

Acupuncture and Chinese Medicine
Silver

$1,500

Gold

$2,500

Platinum

Paid in Full

Close Care

Physiotherapy and complementary therapies: $2,000

Palliative care

We will pay for:

  • Home care;
  • Inpatient and daypatient hospital or hospice care and accommodation;
  • Prescribed medicines; and
  • Physical and psychological care.
Silver

$35,000

Gold

$60,000

Platinum

Paid in Full

Close Care

Hospice and palliative care: $2,500

Prosthetic devices
Silver

Paid in Full

Gold

Paid in Full

Platinum

Paid in Full

Close Care

Internal prosthetic devices/surgical and medical appliances:
Paid in full

External prosthetic devices/surgical and medical appliances:
$2,500

Local ambulance & air ambulance services
Silver

Paid in Full

Gold

Paid in Full

Platinum

Paid in Full

Close Care

Paid in Full (road only)

Treatment for obesity

Available once the beneficiary has been covered for 24 months.

Silver

No coverage

Gold

70% refund up to $20,000

Platinum

80% refund up to $25,000

Close Care

No coverage

Congenital conditions

Available once the beneficiary has been covered for 24 months.

Silver

$5,000

Gold

$20,000

Platinum

$39,000

Close Care

No coverage

Out of Area Emergency Hospitalisation Cover

For beneficiaries who do not have Worldwide including USA coverage. Only includes inpatient and daypatient treatment costs.

Silver

$100,000

Gold

$250,000

Platinum

Paid in Full

Close Care

$40,000

Mental and behavioural health care

As part of inpatient, daypatient or outpatient treatment.

Silver


$5,000
Up to 30 days (Inpatient and Daypatient treatment)

Gold


$10,000
Up to 60 days (Inpatient and Daypatient treatment)

Platinum


Paid in full
Up to 90 days (Inpatient and Daypatient treatment)

Close Care


$3,000
Maximum total of 60 days cover, including a maximum of 30 days of inpatient. Combined total of 90 days in any five year period.

Cancer preventative surgery
Silver

70% refund up to $10,000

Gold

80% refund up to $18,000

Platinum

90% refund up to $18,000

Close Care

No coverage

Cancer care
Silver

Paid in Full

Gold

Paid in Full

Platinum

Paid in full

Close Care

Paid in Full

Routine maternity care

Available once the mother has been covered by the policy for 12 months or more.

Silver

No coverage

Gold

$7,000

Platinum

$14,000

Close Care

No coverage

Complications from maternity

Available once the mother has been covered by the policy for 12 months or more.

Silver

No coverage

Gold

$14,000

Platinum

$28,000

Close Care

No coverage

Homebirths

Available once the mother has been covered by the policy for 12 months or more.

Silver

No coverage

Gold

$500

Platinum

$1,100

Close Care

No coverage

Newborn care

The newborn may be required to be medically underwritten.

Silver

$25,000

Gold

$75,000

Platinum

$156,000

Close Care

No coverage

Deductible

A deductible is the amount which you must pay before any claims are covered by your plan.

Silver

$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000

Gold

$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000

Platinum

$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000

Close Care

$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000

Cost share after deductible

Cost share is the percentage of each claim not covered by your plan.

Silver

Choose your cost share percentage: 0% / 10% / 20% / 30%

Gold

Choose your cost share percentage: 0% / 10% / 20% / 30%

Platinum

Choose your cost share percentage: 0% / 10% / 20% / 30%

Close Care

Choose your cost share percentage: 0% / 10% / 20% / 30%

Out of Pocket Maximum
Silver

Next, choose your out of pocket maximum: $2,000 or $5,000

Gold

Next, choose your out of pocket maximum: $2,000 or $5,000

Platinum

Next, choose your out of pocket maximum: $2,000 or $5,000

Close Care

Next, choose your out of pocket maximum: $2,000 or $5,000

A father holding his daughter

Global Individual Plans

Helping to improve your health, wellbeing and peace of mind.

A man looking at his mobile phone

Why Cigna?

Cigna provides health insurance solutions for people in more than 200 countries and territories, catering for millions who have chosen to relocate to a new country.

Our medical network of 1.65 million hospitals and medical professionals across the world support a globally mobile population with plans that are flexible and can be tailored to suit your unique needs and budget.

Have questions? We’re here to help.

Our expert advisors are on hand to help. Get in touch with our teams to learn more about our health solutions.

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