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 Singapore
Cigna Global is one of the most popular international insurers among Singapore expats. With high coverage limits, direct billing at major hospitals, and worldwide portability, it's a strong choice for those who want comprehensive protection in Singapore's expensive healthcare environment.
Singapore's high healthcare costs make Cigna's $1-3M coverage limits valuable—a single hospital stay can easily exceed S$100,000.
$1-3M
Annual coverage limits
1.5M+
Providers worldwide
24/7
Multilingual support
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See what Cigna Global costs for expats living in Singapore.
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Network Coverage in Singapore
Cigna Global has excellent coverage in Singapore, with direct billing at both private and restructured hospitals.
| Type | Network Hospitals | Direct Billing |
|---|---|---|
| Private | Mount Elizabeth, Raffles Hospital, Gleneagles, Thomson Medical | |
| Restructured | Singapore General Hospital, National University Hospital, Tan Tock Seng |
Key Network Points
- Private hospitals: Mount Elizabeth, Raffles, Gleneagles, and other premium facilities
- Restructured hospitals: SGH, NUH, TTSH—excellent care at lower costs
- Direct billing: Cashless treatment at most major facilities
- Specialists: Access to Singapore's world-class specialists
Plans and Pricing
| Plan | Coverage | Singapore (Age 40) |
|---|---|---|
| Silver | Inpatient + Day-patient | $160-220/mo |
| Gold | Silver + Outpatient | $220-300/mo |
| Platinum | Gold + Enhanced | $300-400/mo |
Which Plan for Singapore?
- Silver: Inpatient only. Good if you pay routine care out of pocket (manageable in Singapore).
- Gold: Practical choice. Full coverage including outpatient visits.
- Platinum: Maximum coverage with enhanced mental health and wellness.
Deductible Strategy
Given Singapore's high costs, moderate deductibles ($1,000-2,500) balance premium savings with financial protection.
vs Local Options
How does Cigna compare to local options?
Cigna Global vs Integrated Shield Plans
ISPs are only for Singapore citizens and PRs. If you're an expat without PR status, Cigna Global is one of your best options. If you're a PR, ISPs are very cost-effective but only cover Singapore care.
Choose Cigna Global If:
- You're not a Singapore PR
- You want worldwide coverage
- Portability matters (may relocate)
- You want higher coverage limits
- Mental health coverage is important
Consider Local/ISPs If:
- You're a Singapore PR
- You're staying in Singapore permanently
- Budget is the primary concern
- You don't need worldwide coverage
Who Should Choose Cigna in Singapore
Good Fit
- Expats without PR status
- Those who travel frequently
- Families needing comprehensive coverage
- People who may relocate from Singapore
- Those wanting highest coverage limits
Consider Alternatives
- Singapore PRs (consider ISPs)
- Budget-conscious expats
- Those with excellent employer coverage
Ready for Coverage in Singapore?
Get a personalized Cigna Global quote for your situation.
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Disclaimer: This guide is for informational purposes only. Verify coverage details directly with Cigna before purchasing.
