BUPA Global vs Cigna Global: Premium Expat Insurance Compared

Overview

BUPA Global and Cigna Global are both premium international health insurance providers with strong reputations. If you're looking for comprehensive coverage and don't mind paying more for quality, these are two of the best options available.

Coverage Comparison

Both providers offer comprehensive coverage, but BUPA Global tends to include more benefits in their base plans while Cigna Global uses an add-on approach.

Key Differences

• Mental health: BUPA Global treats mental health equally to physical health with matching coverage limits. Cigna Global covers mental health but with more limitations.
• Dental and vision: BUPA includes these in Premier and Elite plans. Cigna requires separate add-ons.
• Second Medical Opinion: BUPA includes expert second opinions for complex conditions. Cigna offers more limited access.
• No-claims discount: BUPA rewards claim-free years with premium discounts. Cigna doesn't offer this.

Pricing

BUPA Global is generally more expensive than Cigna Global, reflecting their more inclusive coverage approach. However, when you factor in BUPA's included benefits vs Cigna's add-ons, the gap may narrow.

Prices based on comprehensive plans excluding US coverage. Your actual quote may vary based on specific plan selection, deductible, and location.

Notes on Pricing

• BUPA Global typically costs 30-50% more than Cigna Global
• BUPA's no-claims discount can reduce premiums over time
• Adding dental/vision to Cigna closes some of the price gap
• Both providers charge significantly more for US coverage

Network and Claims

Provider Networks

Cigna Global has a larger network with over 1.5 million providers worldwide, giving you more options for direct billing.

BUPA Global has a network of 1.7 million providers, slightly larger on paper, though direct billing availability varies by region.

Both networks cover major hospitals and clinics in popular expat destinations. You're unlikely to have trouble finding care with either provider.

Claims Process

BUPA Global has strong claims reviews, with customers praising timely settlements and few rejections. Their MembersWorld app handles claims digitally.

Cigna Global also offers easy online claims and a well-designed app. Claims typically process within 5-10 business days.

Customer Service

Both providers offer 24/7 multilingual support. BUPA Global includes access to in-house doctors and nurses. Cigna Global is known for responsive, helpful service.

Trustpilot comparison: BUPA Global (4.4/5) edges out most competitors on customer satisfaction ratings.

Who Should Choose Which

Our Verdict

Both BUPA Global and Cigna Global are excellent choices for expats who want comprehensive coverage. The right choice depends on your priorities and budget.

Choose BUPA Global if you want the most inclusive coverage, particularly for mental health, and don't mind paying a premium for it. Their approach to pre-existing conditions and no-claims discounts add extra value.

Choose Cigna Global if you want solid comprehensive coverage at a lower price point, with the flexibility to add only the extras you need. Their larger network and strong service reputation make them a safe choice.

For most expats, Cigna Global offers the better value. But if mental health coverage, pre-existing condition handling, or all-inclusive benefits matter most, BUPA Global is worth the extra investment.