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 Netherlands
Cigna Global offers premium international health insurance, but in the Netherlands, the key question is whether you actually need it. Dutch basic insurance is mandatory for most residents—Cigna Global is primarily relevant for those exempt from this requirement.
For posted workers, temporary assignees, and executives seeking premium supplementary coverage, Cigna provides comprehensive international benefits.
$2M+
Maximum coverage
Global
Coverage area
Premium
Service level
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For those exempt from Dutch mandatory insurance.
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When Cigna Makes Sense
Primary Coverage (Exempt from Dutch Insurance)
Cigna Global works as your primary insurance if you're:
- Posted workers: Temporarily assigned to NL with A1 certificate, remaining under home country social security
- Short-term assignees: In Netherlands less than expected residency period
- Diplomats and international organization staff: Often exempt from local requirements
Supplementary Coverage
Some expats maintain Cigna alongside Dutch basic insurance for:
- Access to private facilities worldwide
- Coverage during frequent international travel
- No referral requirements for specialists
- Higher coverage limits and fewer restrictions
Important: Check Your Obligations
If you work for a Dutch employer or are self-employed in NL, you likely need Dutch basic insurance regardless of any international coverage. Cigna Global doesn't replace mandatory Dutch insurance for most workers.
Plans and Pricing
| Plan | Coverage | Netherlands (Age 35) |
|---|---|---|
| Silver | Inpatient only | €180-230/mo |
| Gold | Inpatient + Outpatient | €280-360/mo |
| Platinum | Comprehensive | €360-460/mo |
Cost Comparison
Cigna Global costs significantly more than Dutch basic insurance (€120-150/mo). The premium buys you global coverage, no referral requirements, and access to private facilities worldwide. Whether this value makes sense depends on your situation and travel patterns.
Who Should Choose Cigna in Netherlands
Good Fit
- Posted workers exempt from Dutch insurance
- Short-term assignees (under 2 years)
- Executives wanting global premium coverage
- Frequent international travelers
- Those who may relocate again soon
Consider Alternatives
- Long-term NL residents (Dutch insurance required)
- Those working for Dutch employers
- Self-employed in Netherlands
- Budget-conscious expats
Exempt from Dutch Insurance?
Get a personalized Cigna Global quote.
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Disclaimer: Dutch insurance requirements depend on your work and residency status. Verify your obligations with the SVB before choosing international over Dutch insurance.
