IMG Global vs Cigna Global: Budget vs Premium Compared

Overview

IMG Global and Cigna Global represent two different approaches to international health insurance. IMG offers solid coverage at budget-friendly prices, while Cigna provides premium service and a larger network at higher cost.

This comparison helps you decide whether to save money with IMG or invest in Cigna's enhanced features.

Coverage Comparison

Both providers cover the essentials, but there are meaningful differences in coverage limits, flexibility, and included features.

Key Differences

• Coverage limits: Cigna offers unlimited coverage on Platinum plans. IMG caps at $8 million (still very high).
• Deductible flexibility: IMG offers 7 deductible options ($250-$10,000) vs Cigna's 4 options.
• Deductible waiver: IMG waives 50% of your deductible for care outside the US—a unique money-saving feature.
• Mental health: Cigna provides more comprehensive mental health coverage.
• Travel alerts: IMG includes Travel Intelligence with location-specific safety alerts.

Pricing

This is where IMG shines. Their premiums are typically 20-30% lower than Cigna for comparable coverage levels.

Prices based on Silver/Gold tier plans excluding US coverage. Actual quotes vary based on specific plan, deductible, and location.

Annual Savings with IMG

For a 35-year-old individual, choosing IMG over Cigna could save $400-600 per year. For a family, savings could reach $1,200-1,800 annually.

Factors Affecting Price

• Deductible choice: IMG's high-deductible options ($5,000-$10,000) offer the biggest savings
• Coverage area: Both charge much more for US coverage
• Payment frequency: IMG charges 20% more for monthly payments; pay annually to save

Network and Claims

Provider Networks

Cigna Global has a clear advantage with 1.5 million+ providers and strong direct billing arrangements worldwide. You're more likely to find in-network care and avoid paying upfront.

IMG Global has a smaller network but still covers major hospitals in most countries. You may need to pay and file for reimbursement more often.

Claims Process

Cigna Global processes claims in 5-10 business days with an easy-to-use online portal. Direct billing reduces the need to file claims for major procedures.

IMG Global has excellent customer reviews (4.6/5), but claims can take longer—sometimes weeks to months for complex cases. Some customers report slow response times during the claims process.

Customer Service

Cigna Global offers 24/7 multilingual support with a reputation for responsive, helpful service.

IMG Global provides 24/7 support in 18 languages with in-house medical staff. Their website and quote process are highly rated, though live chat support receives mixed reviews.

Who Should Choose Which

Our Verdict

For budget-conscious expats, IMG Global offers excellent value. You get solid coverage at significantly lower prices, plus unique benefits like the 50% deductible waiver and 7 deductible choices. Their 4.6/5 Trustpilot rating (from 19,000+ reviews) shows customers are generally satisfied.

For expats who prioritize service and convenience, Cigna Global is worth the premium. Their larger network, faster claims, and stronger direct billing make the insurance experience smoother—especially valuable if you have ongoing health needs.

Our recommendation: If you're healthy, cost-conscious, and don't mind occasional out-of-pocket payments while waiting for reimbursement, IMG is an excellent choice. If you want the peace of mind that comes with a larger network and faster claims, invest in Cigna.