Cigna Global — an independent reference profile
Insurer profile · not a ranking
The individual international health business of Cigna, the US healthcare group — one of the largest IPMI writers worldwide.
The shape of the offer
What their plans are like.
A modular build: an inpatient core with outpatient, evacuation, dental and vision added as separate modules, which is where both the value and the gaps live.
We keep this section general on purpose. Plan names, limits and premiums move every year, and a page pretending otherwise would be quietly wrong within one renewal cycle. The specifics belong in your report, dated, against your situation.
The structure, dated · facts checked 2026-08-01
What their published material actually says.
Everything below was read from the carrier's own pages and documents on2026-08-01 — specifically cignaglobal.com: the USD benefits summary, 02/2025 sales brochure, customer guide and policy rules. ⚑ marks what those materials do not state. No premiums appear here because premiums are personal quotes, and no verdicts because this page ranks nothing.
| Tier | Published maximum | The note that matters |
|---|---|---|
| Silver | $1,000,000 / yr | outpatient module to $15,000 |
| Gold | $2,000,000 / yr | outpatient module to $35,000 |
| Platinum | Paid in full | outpatient module paid in full |
| Close Care | $500,000 / yr | residence + nationality countries only; $250,000 per-condition limit |
| Structure | Modular: an inpatient core with outpatient, health & wellbeing, vision & dental, and evacuation as separate bolt-on modules — which means EVACUATION IS OPTIONAL, the single most consequential line on this profile. |
| Area of cover / USA | Worldwide or worldwide excluding the USA; out-of-area emergency hospitalisation $100k/$250k/paid-in-full by tier on non-USA cover. |
| Underwriting | Medical questionnaire with possible special exclusions; some declared conditions (the carrier names hypertension and type 2 diabetes) get maintenance outpatient cover. ⚑ No moratorium option published anywhere. |
| Renewability | No re-underwriting at renewal, and non-renewal cannot be claims-based — but the policy rules open the clause with “If we determine to renew”, and no lifetime guarantee is published ⚑. We quote that clause because nobody else does. |
| Evacuation | An optional module — and all evacuations must be approved in advance by the medical assistance service. Crisis Assistance Plus is provided via FocusPoint International. |
| Cost-sharing | The most granular in this set: seven deductible levels ($0–$10,000), cost-share options to 30% with out-of-pocket caps of $2,000 or $5,000, plus separate outpatient deductibles. |
| Waiting periods | Routine maternity 12 months; obesity and infertility 24; dental 3/12/18 by treatment. |
| Network & digital | Over 2.2 million provider partnerships and 67,000 contracted pharmacies per the brochure; Teladoc-powered global telehealth; Cigna Wellbeing app. |
| Underwriter & regulator | Cigna Global Insurance Company Limited, regulated in GUERNSEY by the GFSC — with European group entities in some markets. Worth knowing before assuming a UK or EU regulator. |
| Entry age | ⚑ Not published in the documents we read. |
Sources
- Cigna Global — benefits summary (USD, PDF) — PRIMARY — verified 2026-08-01: tiers, maximums, modules, areas, waits
- Cigna Global — sales brochure (02/2025, PDF) — PRIMARY — verified 2026-08-01: deductible and cost-share architecture, network figures
- Cigna Global — policy rules (CGIC 02/2024, PDF) — PRIMARY — verified 2026-08-01: underwriting terms, the renewal clause, the Guernsey entity
- Cigna Global — customer guide (02/2025, PDF) — PRIMARY — verified 2026-08-01: evacuation pre-approval requirement
Where else you will see this name
One of seven in an independent benchmark.
The SIP Health Cost Index 2025 prices comparable international cover across fifty countries, and Cigna Global is one of the seven insurers it quotes — the Platinum plan, on worldwide excluding usa.
Two things that does not mean. It is not a shortlist: the index needed a consistent basket of globally operating insurers to price countries with, and its authors state twice that it does not compare the seven against one another. And it is not a verdict on price — the seven plans differ in benefits, cover area, service levels and medical network, so a lower figure is a different product rather than a better deal. What the index is genuinely useful for is the question underneath it: what a country costs.
SIP Health Cost Index 2025, SIP Medical Family Office. Data as at August 2025. The fifty-country ranking, read closely.
Structural comparisons
What we check first
The questions a review asks of this paper.
Which modules were actually taken — a core-only build looks comprehensive and is not
The evacuation module's terms if you live somewhere serious cases leave (Indonesia, the Philippines)
Out-of-area emergency terms for the countries you travel to most
Holding a Cigna Global policy already? A review reads it for you
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