Cigna Global Health Insurance in Spain

Cigna Global in Spain

Cigna Global is one of the most popular international health insurance choices for expats in Spain. With an extensive network in major Spanish cities, visa-compliant plans, and 24/7 English-language support, it's particularly suited for expats who want the security of an international insurer.

The key advantage over local Spanish insurers: if you leave Spain — whether for travel or relocation — your coverage comes with you. For expats who aren't certain they'll stay in Spain permanently, this portability is valuable.

Spanish Visa Compliance

Cigna Global plans are widely accepted for Spanish visa applications, including:

• Non-Lucrative Visa (retirement visa)
• Digital Nomad Visa
• Student Visa
• Golden Visa

Meeting Visa Requirements

Spanish visa insurance requirements typically include:

• Coverage valid in Spain for the visa duration
• No copays (some visas) — Cigna Gold and Platinum qualify
• Hospitalization and outpatient coverage
• No waiting periods for core benefits

What You'll Receive

Cigna Global provides documentation for visa applications including:

• Certificate of coverage in Spanish
• Confirmation of no waiting periods
• Policy details showing coverage scope
• Visa compliance letter upon request

Network Coverage in Spain

Cigna Global's network in Spain includes over 1,500 providers, concentrated in major cities and popular expat areas. Direct billing is available at most major hospitals.

Network Considerations

• Major cities: Excellent coverage with multiple hospital options
• Costa del Sol: Good network in Málaga, Marbella, and surrounding areas
• Smaller towns: May need to travel to nearby cities or use reimbursement
• Balearic/Canary Islands: Coverage available but more limited than mainland

You can always see any licensed provider in Spain and file for reimbursement — you're not limited to the network. But direct billing at network hospitals means no upfront payment.

Finding Providers

Use Cigna's online provider finder or mobile app to locate:

• Hospitals with direct billing
• English-speaking doctors
• Specialists in your area
• 24-hour urgent care facilities

Plans and Pricing

Cigna Global offers three plan tiers. Here's what they cost for Spain-based expats:

Prices for worldwide coverage excluding USA, €500 deductible. Add 40-60% for US coverage.

Which Plan for Spain?

• Silver: Hospital-only coverage. Works if you'll pay for routine care out of pocket (cheap in Spain) and just want major medical protection.
• Gold: Most popular for Spain. Includes outpatient care, meets visa requirements, balances coverage and cost.
• Platinum: Maximum benefits including enhanced wellness, dental/vision options. Best for families or those wanting comprehensive care.

Deductible Strategy for Spain

Routine healthcare in Spain is affordable. A doctor visit costs €50-100 privately. Consider:

• Higher deductible (€1,000-2,500) to reduce premiums significantly
• Pay for routine care out of pocket
• Use insurance for hospital stays, specialists, and emergencies

This can save €50-100/month on premiums while still protecting you from major expenses.

vs Spanish Insurers

Should you choose Cigna Global or a Spanish company like Sanitas or ASSSA? Here's how they compare:

Choose Cigna Global If:

• You travel frequently outside Spain
• You might relocate to another country
• English-language support is important
• You want an internationally recognized insurer
• You have complex health needs requiring international standards

Choose a Spanish Insurer If:

• You're staying in Spain long-term (5+ years)
• You rarely travel outside Spain/EU
• Budget is the primary concern
• You're comfortable with Spanish-language support
• You want the most extensive local network

See all Spain insurance options →

Using Your Insurance in Spain

Direct Billing (Cashless)

At network hospitals, show your Cigna card and the hospital bills Cigna directly. You pay only your deductible or copay (if any). This works at major hospitals in Madrid, Barcelona, Valencia, and other cities.

Reimbursement

For non-network providers or when direct billing isn't available:

1. Pay the provider directly
2. Get itemized receipts (factura)
3. Submit via Cigna app or online portal
4. Receive reimbursement in 5-10 business days

Language Support

Cigna's customer service operates in English 24/7. Claims can be submitted in English. Medical documents in Spanish are accepted — no translation needed.

Emergency Care

In emergencies, go to the nearest hospital. Contact Cigna within 48 hours to coordinate coverage. Emergency care is covered at any hospital, network or not.

Who Should Choose Cigna in Spain

Common Questions

Does Cigna Global cover the Spanish public healthcare system?

No. Cigna Global is private insurance and covers private healthcare providers. It's separate from Spain's public Sistema Nacional de Salud. However, emergency care at public hospitals may be covered and reimbursed.

Can I use Cigna for routine care in Spain?

Yes, with Gold or Platinum plans. Silver is hospital-only. Many expats in Spain use a high-deductible plan and pay for routine care (doctor visits, basic prescriptions) out of pocket since it's affordable locally.

What if I move from Spain to another country?

Your Cigna Global plan comes with you. Simply update your residence country. Coverage continues without interruption or new underwriting. This is a major advantage over Spanish local insurers.

Is Cigna accepted at all Spanish hospitals?

You can use any licensed hospital in Spain. Network hospitals offer direct billing. Non-network hospitals require you to pay and claim reimbursement. Major private hospitals in cities are typically in-network.

How does the exchange rate affect my premiums?

Cigna Global premiums are typically in USD or EUR. If paying in USD while earning in EUR, exchange rate fluctuations can affect your effective cost. You may be able to request EUR billing.

Can I add my Spanish-born child to my plan?

Yes. Children born while you're covered can be added to your plan within 30 days of birth. They're covered from birth without medical underwriting.