Long-Term Expatriate Medical Insurance

The Cigna Global Travel insurance plans are best for:

• Families and individuals living overseas; expatriates looking for excellent coverage
• International workers & volunteers who want the strength and reach of the Cigna brand
• Businesspeople used to western-style group health insurance and nationalized health care benefits
• Growing families and soon-to-be families wanting to make sure their little one(s) are protected

Why are these plans best?

• They are highly customizable to include or exclude exactly what you need
• Newborn care for all; Maternity included on Gold and Platinum
• Great sports coverage
• 3 levels of cover – Silver, Gold and Platinum
• Worldwide network of over 1 million hospitals and physicians
• 24 hour access to medical experts
• Choose between Worldwide or Worldwide excluding the USA to save additional dollars
• No age limits
• Guaranteed renewability

Cigna Global Individual Private Medical Insurance provides excellent health insurance overseas for the most discerning expatriates and globally mobile individuals. There are three coverage levels, various additions, and an array of deductible and cost share options. You can be sure to find a plan which meets both your exacting overseas health requirements and your budget. Coverage is available for expatriates, business people working overseas and international volunteers with NGOs. Also nonprofits, humanitarian organizations and the faith-based community.

Your core cover

The Cigna Global travel insurance plans have a unique way of operating. Let’s start from the beginning, which is the coverage that is provided at minimum – the Core! The Core coverage on these plans is for hospitalizations, inpatient psychiatric care, and cancer. Newborn care is also included for all three levels of coverage. Maternity benefits are included with Gold and Platinum after 12 months of coverage. Expenses from doctors visits, prescriptions or medications, and physiotherapy or physical therapy are not covered at the Core coverages.

Your optional modules

You may add the following modules to your coverage. Each of these coverage levels provides additional benefits, which are tailored for maximum proficiency. This is a prominent reason that the Cigna Global plans are extraordinary health insurance overseas!

International Outpatient:

This module is for expenses from lab work, doctors visits, prescriptions and physical therapy. Also immunizations, as well as annual routine for children and well child tests. The higher the level of coverage, the lower the caps are on some benefits.

International Medical Evacuation:

This coverage is highly recommended for any type of international travel. International medical evacuation insurance is designed to provide transportation to the nearest adequate medical facility for necessary treatment. This is if there is no local treatment available for the immediate medical necessity. Adding this module will provider you with not only medical evacuation coverage, but also repatriation of mortal remains, compassionate visit, and more. All of the benefits are the same for every level of coverage.

Even though great hospitals may be in your destination, they may not be able to handle every type of medical condition. We never want any individual, or their families, to be stuck with a medical evacuation bill!

International Health and Wellbeing:

This is a wonderful addition to support overall health and wellbeing! It is a rich resource that gives you access for health screenings and check-ups, physical exams, counseling, dietetic consultations, and online education and programs. All of this can be included to help you get the most out of your overseas medical insurance.

International Vision and Dental:

General coverage for tests, preventative care, and some coverage for treatment and materials relating to Dental and Vision.

U.S. Coverage:

Having U.S. coverage is very important for those with travels to the U.S.A., and for U.S. citizens. Coverage up to six months per year is available on the Cigna Global international health and travel insurance. Even if a U.S. citizen doesn’t plan to come back to the U.S., if a serious medical condition occurs, they sometimes go back to the U.S. for care. Citizens of other countries traveling outside the U.S. will save money by not selecting this module.

In Summary:

For the Core and for the International Outpatient module, you have the option to choose your deductibles, as well as cost sharing. Cost sharing is where you can choose a sum of money to pay a percentage of after the deductible. The higher the amount and percentage you pay with the cost share, the lower the premium will be. On the other hand, the higher your deductible and cost share you have, the more you will pay before full benefits kick in. When you get quotes, you will see how each module affects the premium.

Overall, this Cigna Global international health and Cigna travel insurance is extraordinary coverage and gives you many options to create a health benefit package to fit your needs and travel plans.