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 Germany
Germany requires all residents to have health insurance—either public (GKV) or private (PKV). Cigna Global can serve as initial coverage for visa applications and as a transition solution, but most long-term residents eventually need to enroll in the German system.
Cigna works well for the initial period, freelancers establishing themselves, and expats who may relocate from Germany.
Important: German Insurance Requirements
Germany mandates enrollment in GKV or German PKV for long-term residents. International insurance like Cigna is typically a bridge solution. Consult with German authorities about long-term compliance.
Get a Germany Quote
See Cigna Global pricing for expats in Germany.
Get QuoteWe may earn a commission when you apply through our links. This does not affect our recommendations.
vs German GKV/PKV
Cigna vs Public Insurance (GKV)
- GKV: Income-based premiums, family coverage included, stable costs
- Cigna: Age-based premiums, individual policies, worldwide coverage
Cigna vs Private German Insurance (PKV)
- German PKV: German-regulated, better long-term compliance, higher age costs
- Cigna: Portable worldwide, English support, may not meet long-term requirements
Plans and Pricing
| Plan | Coverage | Germany (Age 40) |
|---|---|---|
| Silver | Inpatient + Day-patient | €160-210/mo |
| Gold | Silver + Outpatient | €230-300/mo |
| Platinum | Gold + Enhanced | €320-420/mo |
When Cigna Makes Sense in Germany
- Initial visa applications: Coverage while establishing residency
- Job seeker visa: The 6-month period before employment
- Freelancers (first year): While establishing and choosing German system
- Those who may relocate: Portable coverage if you leave Germany
- Supplementary coverage: Alongside GKV for enhanced benefits
Who Should Choose Cigna in Germany
Good Fit
- New arrivals (initial period)
- Job seekers before employment
- Freelancers establishing business
- Expats who may relocate
- Those wanting English support
Consider Alternatives
- Long-term residents (GKV or German PKV)
- Employees (GKV automatic enrollment)
- Those staying in Germany permanently
Ready for Coverage in Germany?
Get a personalized Cigna Global quote.
Get Your QuoteWe may earn a commission when you apply through our links. This does not affect our recommendations.
Disclaimer: German insurance requirements are complex. Verify compliance with German authorities and consider consulting an insurance advisor.
