Why Choose the Cigna Global Health Plan?
- Cigna aims to pay claims directly with the Hospital or Doctor so its hassle free and you are not out of pocket, on the rare occasion if this is not possible, Cigna will have your claim processed usually within 5 working days and reimbursed to you in the 3-5 working days.
- Cigna has years of experience in dealing with unique and varied clinical service situations worldwide. Their staff are highly flexible in tailoring a plan to suit your individual needs, regardless of wherever you are in the world.
- The plan can cover most expatriates in up to 180 days back in their country of citizenship and some locals in select countries.
- You can exclude medical treatment in the USA if it is not required, which offers excellent savings for most expatriates
- There is no upper age limit with Cigna and they can cover you at any age subject to medical underwriting decision by Cigna.
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It may be possible for Cigna to cover your pre-existing medical condition. Cigna does underwrite the application and pre-existing conditions are assessed by their experienced team of underwriters. Cigna will if they can include cover for them. There are four potential outcomes for an international health insurance application with Cigna via Expat Financial:
- 1. Policy Agreed with no changes and cover for the condition included.
- 2. Policy Agreed with an exclusion, Cigna may provide cover for everything except the existing condition.
- 3. The policy agreed and cover offered for a condition with a premium loading.
- 4. Policy denied.
How to apply?
Click below to obtain a quote and even purchase online. A new window will open and you will be connected to the Cigna quote page where you can get a quote and even apply online. The process is fast and simple. You can even edit the quote as you see how different options affect your premiums so you can select the coverage at the right price for you. Feel free to contact us for more information.
Cigna Expat Health Plan Documents
- Plan Terms & Conditions for Expats in CLICE Country List. All other countries outside of Indonesia, HK and Singapore should use the Guernsey Plan Terms and Conditions. Please contact us for more information.
Cancellation Policy For Cigna:
Any customer can cancel their policy within the first 14 days and receive a full refund (as long as no claims have been made). After the 14 day cool off has ended the customer can still cancel by sending CIGNA 7 days notice in writing. They will only be charged for their time on cover. This is subject to no claims being made on the policy and this is reviewed by Cigna on an individual basis. The Cigna plan is meant for people who are living abroad for a year or more. It is NOT a short term travel medical or short term health insurance plan. It is not meant for someone trapped by the pandemic.
CLICE Zone Countries for Cigna International
Here are a list of Countries in the CLICE Zone for Cigna International: Aland Islands, Aruba, Austria, Belgium, Bonaire, Bulgaria, Croatia, Curacao, Cypress, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, French Guyana, French Polynesia, French Southern Territories, Germany, Gilbrator, Greece, Guadeloupe, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Montserrat, New Caledonia, Netherlands, Norway, Poland, Reunion, Saba, Saint Eustatius, Saint Martin, Sant Pierre and Miquelon, Saint Martin, Slovakia, Slovenia, Spain, Sweden, United Kingdom and Wallis & Futuna. Note that this list may change without notice or updates. Expats in the CLICE Zone should use the Clice zone plan terms and conditions.
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