Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
Cigna Global in Colombia
Cigna Global is a strong choice for expats seeking comprehensive coverage in Colombia. With established relationships at Colombia's top hospitals and worldwide coverage, Cigna addresses the needs of both long-term expats and mobile digital nomads.
For those who travel frequently or want the option to seek care elsewhere, Cigna's global network provides flexibility that local insurers can't match.
$180-280
Monthly (Age 35)
Direct Billing
Major Colombian hospitals
Worldwide
Coverage included
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Comprehensive coverage for Colombia expats and digital nomads.
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Why Cigna for Colombia
Cigna Global stands out for Colombia expats for several reasons:
Hospital Network
Cigna has relationships with Colombia's leading hospitals:
- Fundación Santa Fe (Bogotá): JCI-accredited, direct billing available
- Hospital Pablo Tobón Uribe (Medellín): Top-rated facility in network
- Clínica Las Américas (Medellín): Popular with expats, direct billing
- Fundación Cardioinfantil (Bogotá): Specialized cardiac care
Digital Nomad Friendly
Cigna works well for Colombia's nomad community because:
- Meets digital nomad visa insurance requirements
- Worldwide coverage for frequent travelers
- Easy online claims and member portal
- 24/7 support for emergencies anywhere
Flexibility
- Add or remove US coverage as needed
- Adjust deductibles to control costs
- Upgrade plans without new underwriting
- Maintain coverage if you move countries
Plans and Pricing
| Plan | Coverage | Price (Age 35) |
|---|---|---|
| Silver | Core inpatient | $140-180/mo |
| Gold | Inpatient + outpatient | $180-230/mo |
| Platinum | Comprehensive | $230-280/mo |
Prices shown for healthy 35-year-old. Actual premiums depend on age, health history, selected coverage, and deductible.
Cost Factors
- Age: Premiums increase with age, significantly after 50
- US coverage: Adding US coverage increases premiums 30-50%
- Deductible: Higher deductibles ($2,500-$5,000) can reduce premiums 20-30%
- Area of coverage: Americas-only is cheaper than worldwide
Colombia Cost Advantage
Because healthcare costs are lower in Colombia than in the US or Europe, Cigna's premiums for Colombia-based expats tend to be quite competitive. You're getting premium coverage at reasonable rates.
Coverage Details
What's Covered
- Inpatient: Hospital stays, surgery, ICU
- Outpatient: Doctor visits, specialists, diagnostics (Gold+)
- Emergency: Worldwide emergency coverage
- Evacuation: Medical evacuation to nearest appropriate facility
- Cancer treatment: Full coverage at network facilities
- Chronic conditions: Covered after waiting period
Limitations
- Pre-existing conditions: 2-year moratorium or underwriting
- Mental health: Limited coverage, varies by plan
- Dental/vision: Optional add-on, limited benefits
Digital Nomad Considerations
Visa Compliance
Cigna Global meets Colombia's digital nomad visa insurance requirements. You can provide your policy documents as proof of coverage during the visa application.
Frequent Travel
If you're based in Colombia but travel often to other countries, Cigna's worldwide coverage means you're protected wherever you go—no need for separate travel insurance.
Portability
If you decide to move from Colombia to another country, Cigna moves with you. No need to cancel and reapply—just update your country of residence.
Compare Cigna Plans for Colombia
Find the right coverage level for your needs.
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Disclaimer: Prices and coverage details are estimates based on typical scenarios. Get a personalized quote for accurate pricing based on your age, health, and coverage needs.
