International health insurance comparison
Cigna Global vs Allianz Care
Both ranges let you choose benefits around a medical core. Evacuation is one practical difference to check; the underwriting terms are another. A moratorium is a conditional route, not a promise to cover ongoing medical conditions.
Your situation, your policy documents, a written recommendation
Compare the key features
Which deserves a closer look?.
Consider Cigna if its chosen modules and cost sharing fit how you want to fund treatment. Consider Allianz alongside it if you want evacuation within the core plan or need to examine its available underwriting routes. Neither consideration replaces checking the written terms for your own history and residence.
The products compared. Global Health Options: Silver, Gold and Platinum; Care Base, Care Enhanced and Care Signature.
Cigna Global Health Options individual benefits use the February 2026 UK customer guide. The separate CGIC February 2024 Guernsey rules are a labelled renewal example, not universal Cigna terms. Allianz Care uses the individual benefit guide valid from November 2025. Cigna SME/group underwriting and local-market Allianz products are outside the comparison.
These are editorial selection pointers, not a personal recommendation or a quote. Your residence, medical history and written acceptance terms can change the shortlist.
The benefits and terms to compare.
Read the selected benefits as a whole. On smaller screens, scroll the table sideways.
| Feature | Cigna Global · sources | Allianz Care · sources |
|---|---|---|
| Plan structure | A core medical plan with optional benefit modules. | Three core levels with optional outpatient and dental plans. |
| Outpatient care | Additional International Outpatient module. Some named core benefits already include outpatient treatment; read both sections. | Day-to-day cover is selected separately; emergency outpatient benefits in the core do not replace it. |
| Medical evacuation | Optional International Medical Evacuation module, subject to medical assistance approval and terms. | Included in the described core range, with medical necessity and insurer arrangement requirements. |
| Medical underwriting | The individual documents use medical disclosure and any agreed exclusions. Do not import the underwriting options of a Cigna employer scheme. | Full medical underwriting and moratorium routes are described. Under the latter, prior conditions need a continuous 24-month period after joining without symptoms or other indications, and without needing or receiving treatment, medication, a special diet or advice. |
| Treatment countries | Select the treatment area and check residence eligibility. Emergency cover outside that area is a separate, limited benefit. | The published range offers different treatment areas. Residence restrictions and local compulsory cover remain separate checks. |
| Renewal and continuity | The CGIC February 2024 example protects against claims-based non-renewal, subject to clause 7, while renewal is offered on stated terms. Check the rules for your issuer. | Automatic subject to plan availability, residence, payment and other terms. Benefits and premiums can change; new-condition protection has disclosure and cover-increase conditions. |
How the differences affect your choice.
A medical history needs a written answer. Under full medical underwriting, compare the acceptance decision and any personal exclusions. Allianz also describes moratorium eligibility after a continuous 24-month period without symptoms, treatment, medication, special diet, advice or other indications of the condition. Ongoing treatment may prevent that qualification. Do not choose it simply to avoid a questionnaire, and do not confuse individual cover with a group scheme.
Put evacuation on the quote checklist. Cigna offers evacuation as an optional benefit in the guide used here; Allianz includes it in the core range described here. Compare its presence and the assistance, approval and destination rules. Similar benefit labels do not by themselves establish equivalent cover.
Choose outpatient limits and cost sharing together. Both quotes need to state the routine-care benefits selected. Read the deductible and any share you pay alongside the outpatient limits, not as a standalone premium discount. A configuration that is affordable in a healthy year may leave a different bill when regular treatment is needed.
Confirm which renewal rules apply. The older Guernsey Cigna rules cited below are useful for showing why the issuer matters, but they must not be attached to a UK-issued quote by assumption. Ask for current rules for the actual issuer of either plan. Check residence changes and renewal protections before replacing a policy that already covers your medical history.
Cigna Global source documents and Allianz Care source documents support the product descriptions above. The selection questions are our editorial interpretation.
What would put each on your shortlist?.
Cigna Global
Worth examining if you want to select routine-care and evacuation benefits explicitly and compare the available cost-sharing choices. Make sure the final quote includes all the benefits used in the comparison.
Cigna Global profileAllianz Care
Worth examining if the core evacuation benefit and available outpatient options fit your needs. A moratorium merits a separate history-specific check; chronic or ongoing treatment is not automatically accepted through that route.
Allianz Care profileAlready insured? Bring the existing schedule and wording into the comparison. A new offer can introduce exclusions or waiting periods. Have the replacement accepted and the transition checked before cancelling current cover.
Questions about these plans.
Does an Allianz moratorium cover a pre-existing condition after two years?
Not automatically. The published rule requires a continuous 24-month qualifying period after joining without symptoms, treatment, medication, a special diet, advice or other indications of the condition. Continuing treatment can prevent qualification. The benefit guide and your individual terms determine the outcome.
Is evacuation included with Cigna Global and Allianz Care?
For the individual ranges compared here, Cigna lists evacuation as an optional benefit and Allianz includes it in the core plan. Confirm the actual selected benefits and approval rules. Including a benefit does not remove its medical criteria, exclusions or assistance requirements.
Which is better, Cigna Global or Allianz Care?
Compare a complete Cigna configuration with the relevant Allianz configuration, then check written underwriting, treatment geography and renewal. Cigna group products and country-specific policies can differ from the individual documents used here. Keeping existing cover should remain an option when a replacement would weaken it.
Sources and scope.
We compared the carrier documents below, keeping their editions and issuing contexts separate. Your proposal, membership guide and acceptance terms establish the cover available to you. How cover is placed and how we are paid.
Cigna Global: Global Health Options: Silver, Gold and Platinum
- Cigna Global Health Options customer guide · February 2026, UKCEIC guide; benefits and optional modules. Other issuing entities may use different documents.
- Cigna CGIC policy rules · February 2024, Guernsey CGIC edition; clause 13 is a renewal example for that issuer, not a universal Cigna contract.
Allianz Care: Care Base, Care Enhanced and Care Signature
- Allianz Care individual plans · Care Base, Enhanced and Signature; core, optional plans and treatment areas. Specialised country plans differ.
- Allianz Care Individual Benefit Guide · Effective 1 November 2025, AWP Health & Life SA Irish branch; pre-existing conditions pp. 11–12, renewal pp. 28–29.
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