International health insurance provider
Cigna Global
Global international private medical insurer
Tiered international medical plans for globally mobile individuals and families, with worldwide options that include or exclude the USA and with outpatient, dental and evacuation as selectable modules.
At a glance
- Provider type
- Global international private medical insurer
- Global reach
- Very high
- Primary audience
- Globally mobile individuals, expats and families
- Area of cover
- Worldwide including the USA, or worldwide excluding the USA, on global plans
- Inpatient
- Core
- Outpatient
- Optional module
- Maternity
- Available on relevant plans, subject to terms
- Dental / vision
- Optional module
- Evacuation
- Optional module or plan feature
- Cost-share flexibility
- Deductible and cost-share options are publicly documented
- Underwriting
- Medical underwriting. Terms and exclusions depend on the application.
- Network / direct billing
- Large global healthcare network
- Portability
- Internationally designed. Residence and location eligibility still apply.
- Purchase route
- Direct and broker
- Pricing model
- Personalised quote
What type of international health insurer is this?
A direct global insurer selling international private medical plans, also available through brokers. Plan names, benefits and issuing entities may differ depending on where you live.
Who it may suit
Cigna Global may be relevant to globally mobile individuals, expats and families.
Where can you receive treatment?
Worldwide including the USA, or worldwide excluding the USA, on global plans. A worldwide plan that includes the USA and one that excludes it are different products. Regional or residence-specific variants have to be confirmed for the country you live in.
Hospital and daypatient cover
Inpatient and daypatient cover: Core. Hospital admission, surgery and daypatient treatment are the core of these plans. This page does not state a benefit limit.
Outpatient treatment
Outpatient: Optional module. Doctors, diagnostics and specialists may sit in a module rather than in the hospital benefit. This page does not list a visit limit.
Maternity and newborn cover
Maternity: Available on relevant plans, subject to terms. Maternity can be optional, limited to a higher tier, or subject to a waiting period. This page does not publish a waiting period.
Dental and optical cover
Dental and vision: Optional module. Routine dental, major dental and optical benefits are separate questions inside that category.
Evacuation and repatriation
Evacuation and repatriation: Optional module or plan feature. Medical evacuation is a transfer to treatment. Medical repatriation is a return to a home or nominated country where the policy permits it. They are not the same benefit.
Deductibles, excesses and cost share
Deductible and cost-share options are publicly documented. A deductible or excess is paid before the insurer contributes. Co-insurance is a percentage you continue to pay. A copay is a fixed amount for a treatment. Not every plan uses all of these.
Pre-existing conditions and underwriting
Medical underwriting. Terms and exclusions depend on the application. A condition may be accepted, excluded, loaded or otherwise treated. The outcome is individual. A marketing page is not the policy contract.
Do not compare premium until you understand whether the plans are offering comparable underwriting terms.
Provider networks and direct billing
Large global healthcare network. Networks differ. Pre-authorisation may be required. Direct billing may not be available for every hospital or treatment, and reimbursement can still be the route.
Can the cover move with you?
Internationally designed. Residence and location eligibility still apply. Tell the insurer if you change residence. The premium, the legal entity, the network and the benefits can change. A local compliant product may be required. Do not cancel existing cover until replacement cover is active.
How to buy
Purchase route: Direct and broker. A public intermediary or affiliate page does not mean WiT Access has an agreement with the insurer.
What changes the premium?
Pricing: Personalised quote. This page does not publish a premium.
- Age
- Residence country
- Area of cover
- USA inclusion
- Deductible
- Outpatient cover
- Maternity
- Dental / optical
- Family size
- Underwriting
- Plan tier
Questions to ask
Ask Cigna Global directly. This page does not answer these for a particular person.
Which countries can I be resident in?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
What area of cover applies?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Is the USA included?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Is inpatient treatment fully included?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Is outpatient cover optional or standard?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
What annual limit applies?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
What deductible options exist?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Is there co-insurance?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
How are pre-existing conditions assessed?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Is full medical underwriting required?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Are chronic conditions covered?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Is maternity covered?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
What maternity waiting period applies?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Is dental / optical included?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Is evacuation included?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Is repatriation included?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Which hospitals are in the direct-billing network?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Do I need pre-authorisation?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Can the policy continue if I move country?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Can the premium change after relocation?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Which legal entity issues my policy?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
How are claims submitted?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
What exclusions should I pay particular attention to?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
What happens if I return permanently to my home country?
Ask Cigna Global directly. The answer depends on residence, the plan and the underwriting.
Sources and review
Reviewed 8 October 2026.
- Service page
The provider’s published service description used for this page.
- Provider page
A further public page from the provider. It does not mean WiT Access has an agreement.
- Evidence page
Further public material reviewed alongside the service page.
Information is based on publicly available provider information reviewed by WiT Access. Policy benefits, exclusions, underwriting, premiums, networks and geographic availability can change.