Cigna International Insurance. Cigna Worldwide Health Care Insurance
Cigna Worldwide Health Care Insurance. Cigna Worldwide is a globally respectable insurance agency that takes care of people and families living abroad in excess of 200 countries.Its principal objective is to help and work on the wellbeing, prosperity, and genuine serenity of those it serves.
Cigna Worldwide Health care coverage Plans are extensive, adaptable, and intended to address each issue. Plans are customizable, allowing you to select the coverage you need and pay only for it.
Cigna Worldwide Health care coverage Plans offer three degrees of inclusion: Cigna Silver, Cigna Gold, and Cigna Platinum.Each plan covers continuous and day treatment, with the decision to add momentary treatment and other elective modules. You can also choose your preferred coverage region.
With Cigna Global Health Benefits, you have access to Cigna’s vast international health network of trusted hospitals, physicians, and other medical professionals. The Cigna network is especially helpful when the healthcare system in your country of residence is known to be expensive or underserved. Cigna Worldwide’s Client Relations group will assist you with tracking down the best specialists and clinical offices to furnish you with the consideration you want and merit. Get a Statement
Standard Benefits Included in All Plans
The following are just a few of the standard benefits included in Cigna Global’s three core plans: Silver, Gold, and Platinum. Cigna Worldwide Health Care Insurance
Waiver Option
Members may select plan deductible and cost-sharing options to adjust their premium contributions.
Coverage Regions
Members can choose from two coverage regions: Worldwide Coverage or Worldwide Coverage (excluding the U.S.)
Hospitalization
Essential hospitalization and treatment, such as cancer treatment, are paid in full.
Mental Health Care
Treatment for mental illness, disorders, and addictions.
Global Health Assistance
Cigna provides complete medical support to its members.
Online Customer Area
Access to a secure online customer area to process paperwork and claims.
How to Build a Cigna International Plan
Creating a comprehensive, customized plan with Cigna Global is easy.
- First, choose from Silver, Gold, or Platinum plan levels. The Cigna Silver plan has a benefit limit of $1 million, Gold has a limit of $2 million, and Platinum has an unlimited benefit limit.
- If you exclude the United States, you will still receive a limited emergency hospitalization benefit if you suffer a mishap during a short stay in that country.
- Then, select the discretionary modules you wish to add to your arrangement, like Abroad Short term, Wellbeing and Prosperity, and Vision and Dental. Each module has a deductible option and a benefit cap.
- Applicants can adjust their premiums with a wide range of deductibles and co-insurance options to fit their budget. Choosing a higher deductible and co-insurance options will result in lower premiums, but higher out-of-pocket costs until the deductible and co-insurance amounts are reached.
- Finally, the applicant chooses whether to pay the premium monthly, quarterly, or annually. Cigna accepts payment by credit or debit card or, for annual payments, by bank transfer. Customers who pay quarterly or annually pay lower premiums than those who pay monthly. Cigna Worldwide Health Care Insurance
Cigna Global Medical Benefits and Coverage
| Deductible | Cost Coverage: | Out-of-Pocket Maximum: | |
| International Medical: | ( $0, $375, $750, $1,500, $3,000, $7,500, or $10,000 | 0%,10%, 20%, or 30% | $2,000 or $5,000 |
| Overseas Outpatient: | $0, $150, $500, $1,000, or $1,500 | 0%,10%, 20%, or 30% | $3,000 |
Optional Modules
Cigna offers extra modules to additional upgrade your Silver, Gold, or Platinum worldwide clinical protection plan.These incorporate Worldwide Short term, Clinical Clearing, Wellbeing and Health, and Vision and Dental. Cigna Worldwide Health Care Insurance
On the off chance that policyholders wish, they can make an arrangement customized to their requirements by adding modules for additional inclusion. Cigna’s optional outpatient coverage module covers consultation fees to specialists and medical professionals, prescription drugs and dressings, and chiropractic care.
Optional Modules – Schedule of Benefits
International Outpatient
International Medical Evacuation
International Health & Wellbeing
International Vision & Dental
Cigna Global Medical Insurance Plan Rates
Cigna Global premiums are determined based on several factors, including plan tier selection; Cigna offers three main plan tiers called Silver, Gold, and Platinum, each with increasing costs and coverage. Aside from tier selection, plan costs also vary depending on the coverage area and age selected.
Premium rates can be managed by selecting deductibles and cost-sharing options. The deductible and cost-sharing options are recommended for individuals and families who want to save more money on their monthly expenses. Note, however, that while premiums will be lower, out-of-pocket costs will increase. Get a Statement
Finally, adding outpatient care or other optional modules to make the Cigna International Health Plan more comprehensive will increase covered medical expenses as well as premiums.
This video provides important information that expatriates should know before enrolling in a Cigna International Health Plan. Cigna Worldwide Health Care Insurance
Watch this video and other informative videos about international medical insurance on our YouTube channel! Cigna Worldwide Health Care Insurance
Eligibility for Cigna Global Health Benefits Plan
- The Cigna Worldwide Medical advantages plan is accessible to all ethnicities living abroad.
- You might apply no matter what your identity as long as you meet the base age necessity of 18 years of age to sign up for Cigna Global Clinical Protection.
- Due to local medical regulations, coverage may be limited or restricted in some countries. If such issues arise, we will recommend an appropriate alternative plan.
Geographic Limitations of Cigna Global Health Care
Country Limitations
- Cigna can’t acknowledge addresses in Cuba, Vote based Republic of Congo, Iran, Israel, Libya, Sudan, or Syria. Cigna Worldwide Health Care Insurance
Destination Restrictions
- Cigna cannot compensate individuals residing in Afghanistan, Cuba, Democratic Republic of Congo, Guernsey, Hong Kong, Iran, Iraq, Lebanon, North Korea, Singapore, Sudan, or Syria.
U.S. to U.S. Related Country Limitations
- Cigna cannot cover U.S. residents living in Guam, Puerto Rico, the U.S.Virgin Islands, the Northern Mariana Islands, or small outlying islands of the United States.
For anyone living and working abroad, Cigna’s expatriate insurance is a necessity. The policy is designed to provide you and your family with the best medical care available in the country. Get a Statement
Cigna Global Frequently Asked Questions
When can I apply for Cigna Global medical insurance?
You may apply for Cigna Global coverage 45 days prior to your desired start date. If you apply earlier than that period or later than the start date, you may be required by your health care provider to provide updated medical information.
You may also be required to submit a medical certificate indicating that you have no new medical conditions since your initial application. Cigna Worldwide Health Care Insurance
Request a quote for a Cigna Global plan today.
You may apply for Cigna Global insurance 45 days prior to your desired start date. If you apply earlier than said period or delay the start date of your coverage, you may be required to provide updated medical information from your health care provider. You may also be required to submit a medical certificate indicating that you have no new medical conditions since your initial application.
Request a quote for a Cigna Global plan today.
How much are the premiums for the Cigna Global health plan?
Cigna Global’s medical insurance plans cost as little as $100 per month. The average cost of a plan is typically around $350 per month, but costs vary widely depending on your age, nationality, and location. For most clients, costs range between $4,000 and $6,000 per year. Cigna Worldwide Health Care Insurance
One of the key features of the Cigna Global Plan is the ability to adjust the policy structure to keep premiums low. You are also free to add features and benefits in exchange for additional premiums. To see how much you and your family can expect to pay for insurance, see the Cigna Global plan premiums above. Or click here for a free quote.
What does Cigna’s expatriate insurance cover?
The coverage offered by Cigna’s expatriate medical insurance is extremely flexible. Starting with core coverage, it can cover essential medical treatment and hospitalization. Medical fees, wellness care, lodging, and inpatient and outpatient treatment expenses are also covered by the policy. Gold and Platinum policies offer higher levels of coverage, including routine maternity checkups.
Cigna Overseas Medical Insurance can be customized to provide more extensive outpatient benefits, including doctor visits and prescriptions. Additionally, medical evacuation, vision and dental benefits can be added to the plan. Cigna Worldwide Health Care Insurance
Does Cigna Global cover inpatient hospitalization?
Yes, hospitalization is covered by Cigna Global’s medical insurance plans. It is included as a standard part of the core Cigna Global medical insurance plan. This policy covers inpatient care requiring an overnight stay in a hospital. It also covers hospital treatment as a day patient.
Does Cigna International cover outpatient treatment?
Cigna Global can cover certain outpatient expenses, including treatment room charges, surgeon and anesthesiologist fees, advanced diagnostic imaging, cancer treatment, and psychiatric care. If you would like more comprehensive outpatient coverage, please add the International Outpatient option to your Cigna plan when you apply. Cigna Worldwide Health Care Insurance
Does Cigna cover vision care or dental care?
Cigna Global Insurance covers core benefits in the event of an accident, including emergency dental care requiring hospital treatment. For more comprehensive coverage, choose the International Vision & Dental option, which includes preventive, routine, major, and orthodontic care.
Does Cigna International cover contraceptives?
No, contraceptives are not a covered benefit. However, a valid exception can be made if your doctor prescribes a contraceptive for medical reasons after you enroll in a Cigna International Health Plan.
Does Cigna cover international medical care or treatment abroad?
If you purchase a Cigna international health plan, you will have access to medical care and medical services anywhere in the world. You have the option to purchase worldwide coverage with or without coverage in the United States. If you choose to exclude coverage in the U.S., the plan will provide benefits worldwide, but not in the U.S. This option is more cost-effective, but limits the geographic area of coverage. Cigna Worldwide Health Care Insurance
The Signa International Customer Care team can assist you in arranging a treatment plan and point you in the right direction to avoid delays and confusion. This saves time and hassle of searching for hospitals, clinics, and practitioners in foreign lands. Cigna Worldwide Health Care Insurance
The Cigna team knows that there are times when it is impractical or impossible for beneficiaries to contact them for prior authorization. This usually occurs in emergency situations where the hospital is unable to contact the insurance company prior to the emergency surgery. In such cases, the Cigna team will request that you or the applicable beneficiary be contacted 48 hours after the treatment to see if the surgery is covered by insurance.
Is my Cigna Overseas Plan membership card covered?
No, it does not. The purpose of the membership card is to verify your membership and does not guarantee all solvency. Rest assured that you will be covered under the terms of your policy based on the coverage and benefits you select. We always recommend that you contact our customer service team who can assist you in locating a physician and, if appropriate, provide a guarantee of coverage for specific treatment when approved.
If you need treatment, please call the Cigna Treatment Approval Team at +44 (0) 1475 788182 or toll-free in the US at 1 800 835 7677. If you are a member of a Cigna UK plan, you can log your inquiry through the member portal. Cigna Worldwide Health Care Insurance
Whenever possible, and as long as the benefits are covered as part of the plan you selected when applying, we will arrange payment directly to the hospital, clinic or physician.
How do I find the nearest hospital, clinic or doctor in the Cigna Global Network?
Once you have purchased a plan, go to the Cigna Global website and log in to the online Customer Area. From there, you can search the directory of hospitals, clinics, and physicians affiliated with Cigna. Simply enter your zip code or postal code and specify the distance you are willing to travel, and medical professionals in that area will be listed.
You can also call the Cigna Customer Care team, who will be happy to assist you with any questions you may have. Always remember to bring your Cigna ID card with you when you receive treatment.
If your direct billing has not yet been verified, ask your hospital, practitioner, or clinic about direct billing. If approved, Cigna International will arrange direct payment to the hospital, clinic, or physician you wish to see.
Below are the contact details for Cigna Global Customer Care to assist you in locating a doctor or hospital. Cigna Worldwide Health Care Insurance
Phone: +44 (0)1475 788182
Fax: +44 (0)1475 492113
Email: cignaglobal_customer.care@cigna.com
Will Cigna pay for my treatment through direct charging?
Yes, Cigna Global has an extensive international physician and hospital network that can bill directly. When possible, Cigna International Healthcare Services will arrange payment directly to the hospital, clinic, or physician. However, if you choose to pay the deductible, you must pay this amount yourself.
We recommend that you always contact Cigna Global Customer Care to arrange for direct billing prior to receiving treatment.
If your direct claim is not automatically covered, contacting Cigna prior to treatment will help you manage future payments and claim reimbursements. Cigna Worldwide Health Care Insurance
What is it that I really want to be aware prior to presenting a case to Cigna Worldwide?
Always call Cigna Global before you seek treatment. We can locate the best clinic, doctor, or hospital in your area and arrange payment directly to you. This saves you the expense and hassle of paying for your treatment yourself and requesting reimbursement from Cigna later. Cigna Global will cover the cost of the initial specialist visit, along with any prescribed medications, even without prior authorization, as long as the treatment is covered by your plan.
In most cases, the clinic, doctor, or hospital will send the bill directly to Cigna. In some cases, however, you may be given an invoice after treatment. In these cases, please send the bill to Cigna along with your claim form. If you choose to apply a deductible to your plan, you must first pay this amount to the hospital, clinic, or physician.
Calling Cigna Global before you seek treatment is not always possible, especially in an emergency. In this case, you must pay for the treatment yourself and send the bill and claim form to Cigna. Within 5 days of receipt, you will be reimbursed the amount of the claim, minus the deductible.
If you paid for the treatment yourself, you must file a claim for the covered cost minus the deductible and/or copay. Detailed information on how to receive treatment and file a claim is enclosed in your Welcome Pack along with a copy of the claim form. Additional claim forms can also be downloaded here:
Medical and Vision Claim Form [PDF].
Dental Claim Form [PDF].
Claims and claim forms can be sent to Signa International in one of the following ways
Directly through our secure online customer area.
Email: cghoclaims@cigna.com
By fax: +44 (0) 1475 492113
By mail
Customer Care Team
Cigna Global Health Options
Customer Service
1 Knowe Road
Greenock
Scotland
PA15 4RJ
How will Cigna reimburse my claim?
If you have already paid for your treatment out-of-pocket, please complete the claim form and mail, email or fax it along with your claim to Cigna Global. Be sure to keep the original form in case it is later requested by your insurance company.
Cigna Global will reimburse you within 5 business days of receiving your completed form. Please decide in which currency you would like to receive your funds when they are deposited into your account. Because of Cigna’s extensive worldwide network, you can receive your reimbursement in more than 135 currencies.
What are Cigna Global’s deductibles and cost sharing?
When creating a customized plan, you have the option to add a deductible. For example, if you choose a $250 deductible, you must pay the first $250 of any claim or claims during the policy period directly to the hospital, clinic, or doctor at the time of treatment.
If the treatment costs $500, you must pay $250 and Cigna Global will pay the remaining $250. If you choose a deductible, you must pay it only once during the policy period, regardless of the number of times you file a claim. Cigna Worldwide Health Care Insurance
Expense Percentage is the percentage you are responsible for for each claim. Out of Pocket Maximum is the maximum amount you must pay as Cost Share per policy year.
An example calculation is shown below:
If your claim amount is $20,000
Your policy has a $500 deductible.
You have a 20% cost-share and the out-of-pocket maximum is $2,000.
You pay $2,500. Cigna Global pays $17,500.
After paying the $500 deductible, your out-of-pocket amount is 20% of $19,500 ($3,900). This is more than the $2,000 co-pay limit, so you only pay the $2,000 co-pay limit. In total, you will pay $2,500, which is the sum of your cost share and the $500 deductible you paid initially. The remaining $17,500 will be covered by Cigna.
Does Cigna Global cover pre-existing conditions?
Yes – Cigna Global will cover pre-existing conditions that are not specifically excluded at the time of application until the medical history is verified. Regardless of the diagnosis, Cigna may decide to add special exclusions to the plan if you have sought advice or experienced symptoms prior to the plan start date. Therefore, you should complete the medical questionnaire as accurately as possible when applying. Cigna Worldwide Health Care Insurance
If you have a pre-existing condition, Cigna Global will usually address it in one of four ways.
Pre-existing conditions are covered like any other illness. This is usually the case for minor pre-existing conditions such as allergies.
Pre-existing conditions are excluded.
The policy will cover the pre-existing condition, but may charge a “rate increase” to cover additional costs associated with that pre-existing condition or place specific limits on costs associated with that pre-existing condition.
The application will be denied.
How do I contact Cigna International to discuss my treatment plan?
If you need to speak with an agent about your new policy or would like to speak with Cigna Global Customer Care about your treatment plan, please contact our sales and customer care team who can direct your call to a Cigna Global medical professional.
Cigna International Contact Information
Sales – for quotes and information about purchasing a new plan:
Info@internationalInsurance.com
United States 877-758-4881
USA Direct 617-500-6738
International +44 (20) 35450909
Existing Customer Service – Cigna International phone number:
For customer service, call toll-free 1-800-835-7677 from the U.S.
Phone number UK +44 (0) 1475 788182 or
Fax: +44 (0) 1475 492113
Email Cignaglobal_customer.care@Cigna.com
Does Cigna Global offer travel insurance?
Cigna Global is a division of Cigna Insurance Company. Its primary service is the Cigna Global Plan, which is detailed here. The Cigna Global team provides group-based travel insurance for employers worldwide. We also offer a variety of corporate group travel insurance plans and group international insurance for employers, please contact us for more information.
For individuals looking for international travel insurance, we offer excellent options for both trip cancellation insurance and travel medical insurance.
Does Cigna Global cover COVID 19? Cigna Worldwide Health Care Insurance
Yes, Cigna Global plan coverage for diagnosis, testing and treatment related to COVID-19 includes
- COVID-19 diagnostic visits: COVID-19 office visits: Cigna will waive co-payments for COVID-19 office visits by in-network providers, whether in a medical office, urgent care center, urgent care unit, or virtual care, during the Public Health Emergency (PHE) period, which is currently scheduled to end on January 16, 2022 will waive the co-pay for COVID-19 office visits by.
- COVID-19 Testing: COVID-19 Testing: Cigna will waive copayments for COVID-19 FDA-approved testing during the Public Health Emergency (PHE) period, which is currently scheduled to end on January 16, 2022. For more information on how to test at a center or at home, see [PDF].
- If you receive an out-of-network COVID-19 diagnosis or test and receive an unexpected bill, Cigna’s COVID-19 Customer Protection Program (CPP) can help. This COVID-19 assistance program helps resolve billing issues and is offered at no additional cost to eligible customers.2 Call the phone number on your ID card and an advocate will assist you.
- COVID-19 TREATMENT: COVID-19 TREATMENT: Cigna will cover medical care for COVID-19 treatment in accordance with standard cost-sharing, co-payments, and deductibles. Cigna will cover all administration of FDA Emergency Use Approved (EUA) COVID-19 infusions in accordance with EUA guidelines and Cigna’s COVID-19 Therapeutic and Biologic Coverage Policy [PDF].
Diagnostic testing is covered for individuals who have symptoms of COVID-19 infection or have had contact with a person with suspected or confirmed COVID-19 infection and prior to elective hospitalization or surgery. Non-diagnostic and antibody tests are not covered under standard Cigna coverage, but may be covered if required by state law. For more information on testing, download Cigna’s testing brochure [PDF]. Get a Statement