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.
Overview
Cigna Global is one of the most recognized names in international health insurance. Part of the Cigna Corporation, they've been providing expat health coverage for decades and serve members in over 200 countries.
The company is known for its large provider network, comprehensive coverage options, and strong customer service. They're particularly popular among expat families and corporate assignees.
Quick Facts
- Headquarters: Delaware, USA
- Countries Covered: 200+
- Network Providers: 1.5 million+
- Plan Types: Silver, Gold, Platinum
- US Coverage: Available as add-on
Get a Personalized Quote
See what Cigna Global would cost for your situation.
Get QuoteWe may earn a commission when you apply through our links. This does not affect our recommendations.
Plans and Coverage
Cigna Global offers three main plan tiers. Each tier builds on the previous one with additional benefits.
| Plan | Coverage | Deductible Options | Best For |
|---|---|---|---|
| Silver | Inpatient + Day Patient | $0 - $10,000 | Major medical only |
| Gold | Silver + Outpatient | $0 - $10,000 | Comprehensive care |
| Platinum | Gold + Enhanced Benefits | $0 - $5,000 | Premium coverage |
Core Coverage (All Plans)
- Hospital stays and surgery
- Emergency treatment
- Cancer treatment
- Medical evacuation
- Repatriation of remains
Optional Add-Ons
- Outpatient: Doctor visits, tests, prescriptions (included in Gold/Platinum)
- International Health and Wellbeing: Wellness programs and screenings
- Dental: Preventive and major dental work
- Vision: Eye exams and glasses/contacts
- Maternity: Pregnancy and childbirth (10-month waiting period)
Pricing
Cigna Global pricing depends on your age, plan tier, deductible, and coverage area. Adding US coverage increases premiums significantly.
Estimated monthly premiums (excluding US):
- Age 30, Gold plan: $140-200/month
- Age 45, Gold plan: $220-300/month
- Age 55, Gold plan: $350-450/month
Adding US coverage typically increases premiums by 40-60%.
Higher deductibles can reduce premiums by 20-35%. The $5,000 and $10,000 deductible options make the plan more affordable if you're comfortable with higher out-of-pocket costs.
See Your Actual Price
Get a quote based on your age, location, and coverage needs.
Get a QuoteWe may earn a commission when you apply through our links. This does not affect our recommendations.
Pros and Cons
Pros
- Large global network with 1.5M+ providers
- Direct billing at many hospitals
- 24/7 customer service in multiple languages
- User-friendly online portal and app
- Good maternity and family options
- Established reputation and financial stability
Cons
- Premiums can be higher than competitors
- US coverage adds significant cost
- Pre-existing condition exclusions apply
- Maternity has 10-month waiting period
- Some report slow claim reimbursements
Claims and Service
Filing Claims
Cigna Global offers multiple ways to file claims:
- Online portal (recommended)
- Mobile app
- Mail (paper forms)
Claims are typically processed within 5-10 business days. Direct billing with network hospitals means you often don't need to file claims for major procedures.
Customer Service
Cigna Global provides 24/7 customer support. You can reach them by phone, email, or through their online portal. Support is available in multiple languages.
Customer reviews generally rate their service positively, though some mention occasional delays during peak periods.
Who It's For
Cigna Global may be a good fit if you:
- Want a large, established provider network
- Prefer direct billing over reimbursement
- Have a family and need comprehensive coverage
- Value strong customer service
- Can afford mid-to-premium pricing
It may not be ideal if you:
- Are on a tight budget
- Don't need extensive provider networks
- Are looking for the lowest possible premiums
Alternatives to Consider
If Cigna Global doesn't seem like the right fit, consider these alternatives:
- Allianz Care: Often 10-15% cheaper with good flexibility. Read our review
- BUPA Global: Premium option with extensive benefits
- IMG Global: Budget-friendly with high-deductible options
- Aetna International: Good choice if you need seamless US coverage
See our Cigna vs Allianz comparison
Ready to Compare?
See how Cigna Global compares to other options for your needs.
Compare PlansWe may earn a commission when you apply through our links. This does not affect our recommendations.
Disclaimer: This review is for informational purposes only. Plan details, pricing, and availability change. We are not affiliated with Cigna Global and are not insurance brokers. Verify all information directly with Cigna before purchasing.
