One important question for anyone who travels outside their home country is “Do I Need an International Health Plan”? There are certain guidelines that can help you determine if your International Health Insurance needs are Short-term in nature or Long-Term. The basic rule of thumb is that if you have plans to live outside your home country for 90 days or more per year than you are probably considered an Expat in need of Long-Term coverage. Although Cigna Global does not offer a Short-Term Travel Medical policy (which are generally available up to 180 days) the baseline is 3 months abroad. So if one might be gone more than 90 days but less than 180 days then Cigna Global’s plans might be the right choice. Short-term Travel Medical plans ARE NOT renewable but the Expat plans from Cigna Global are. Once issued you can renew them monthly for as long as the need exists.
Cigna Global offers a unique product design in that their International plans for Expats are modular allowing you complete flexibility to meet both your families needs and budget. The starting point to design your Cigna Global International Health plan is to choose from one of three distinct Core Plan Designs. Cigna Global offers three essential core plans – Silver, Gold and Platinum to choose from. Enrolling in an International Medical plan from Cigna Global can be accomplished in 4 easy steps.
STEP 1. SELECT YOUR CORE PLAN
International Medical Insurance – Start with one of our core inpatient plans, International Medical Insurance, which covers you for essential hospital stays and treatments, surgeon & consultation fees, hospital accommodation, cancer treatment and much more. Our Gold and Platinum plans also give you cover for inpatient and day-patient maternity care.
Annual Benefits – Up to the maximum amount shown per period of cover
- SILVER: $1,000,000 / €800,000 / £650,000
- GOLD : $2,000,000 / €1,600,000 /£1,300,000
- PLATINUM: Unlimited
STEP 2. ADD YOUR OPTION MODULES
International Outpatient Module – More extensive outpatient care for treatments where hospital admission as a day-patient or inpatient is not required. Includes consultations with specialists and medical practitioners, prescribed outpatient drugs and dressings, pre-natal and post-natal outpatient care (Gold and Platinum only), physiotherapy, osteopathy, chiropractic and much more.
International Health & Wellbeing Module – Proactively manage your own health. Screen against disease, test against common illnesses and get reassurance with routine physical exams. Also benefit from counseling support and our Online health education programme.
International Medical Evacuation Module – Medical evacuation in the event that treatment is not available locally in an emergency, as well as repatriation, allowing the beneficiary to return to their country of habitual residence or nationality. Also includes compassionate visits for a parent, spouse, partner, sibling or child to visit a beneficiary after an accident or sudden illness and the beneficiary has not been evacuated or repatriated.
International Vision & Dental Module – Vision care covering your eye tests, spectacle lenses, spectacle frames, prescription sunglasses and contact lenses, and a wide range of preventative, routine and major dental treatments
STEP 3. MANAGE YOUR PREMIUM
Deductible options: The initial amount you must pay before Cigna will pay your claims.
Cost share options: The percentage of each claim which you must pay after your deductible has been paid, up to your out-of-pocket maximum.
Note: deductibles and cost shares apply separately to each beneficiary and period of cover. You can choose different levels for your core plan and the optional International Outpatient module.
STEP 4. PAY FOR YOUR PLAN
You can choose to pay for your premiums on a monthly, quarterly, or annual basis. You can make payments by debit or credit card, or alternatively if you pay annually, you can pay by bank wire transfer.
In addition to the above modules available to the Core Inpatient and International Outpatient modules Cigna Global has added Emergency treatment in the USA for Worldwide Customers excluding USA Customers. For those USA Customers they still have the option to add Home Country Cover for an additional premium. This Home Country Coverage option will allow you or covered family members to return to the United States and if needed seek medical service in the United States for up to 6 months in a rolling 12 month period. This is a recent significant enhancement to their policies. For Maternity coverage Cigna Global is moving routine pre & post-natal outpatient care to the Outpatient module. Now 12 month waiting period across all maternity benefits.
Cigna Brings Customer Service to Your Mobile Device
Cigna Global is not only there to assist you 24/7 via the Internet and by phone communication they also offer you a new SmartPhone App that you can download to your phone giving you the ultimate traveling companion. SafeTravel was developed by leading travel security experts for Apple and Android devices. Cigna’s GOLD and PLATINUM customers will be able to access global travel advice, real-time alerts, news on breaking incidents, and an online document storage facility from anywhere in the world.
Singapore, United Kingdom, Hong Kong, Greece, Cyprus, Malta & Romanian Nationals Welcome…
If your home country is Singapore, United Kingdom, Hong Kong, Greece, Cyprus, Malta or Romania and you are not an Expat from your home country but you want to purchase Global Private Insurance you are in luck. Cigna Global will write citizens of these seven countries even though they are not travelers. Take advantage of true Global Coverage and add a private International Health Insurance option to your country’s domestic insurance.
Cigna Global recently removed the 90 day Home Country clause in these seven countries enabling access to care across the globe as well as within their Home Country. This is a value add for the High Net Worth Individual living within these countries in that they now have the option to purchase the additional cover which provided them access to medical care ANYWHERE in the world including their home country. If you are a citizen of one of these countries you can now generate a quote for you and your family by clicking the GET A QUOTE button above.
The Application Process
Applying for cover is easy and convenient to do. Once you have decided which plan options are the right ones based on your quote you simply complete the enrollment form online directly from the Online quote. If you have questions during the application process please reach out to me via email “email@example.com“. If you would like us to help you with a personalized quote click on the link below and we will respond in a timely manner.
If you prefer to complete your application OFF Line then you can open the Paper version of the Cigna Global application by clicking on the image link to the right. This application file will open as an Adobe Acrobat PDF FILLABLE file. You can complete the application on your computer and then print it out when complete. You can submit your Cigna Global application by saving it to your computer as a PDF file if you have Adobe Acrobat or you can print it out and then scan it and email to “Sales@Individualhealth.com” If you have questions simply give us a call +1 (307) 690-0427.