International health insurance and member support
Cigna Global
International medical insurance with Silver, Gold and Platinum plans, optional outpatient cover, online quotes and dedicated claims support.
Service scope
International; residence determines available policy
Sales telephone
+44 1475 492119
Member support
+44 1475 788182
Quote basis
Individual residence, age, benefits and underwriting
Overview
About Cigna Global
Cigna Global offers international medical insurance for individuals and families living abroad. Global Health Options has Silver, Gold and Platinum tiers, with hospital and daypatient cover at its core and optional outpatient, dental, wellbeing and evacuation modules. Choose the cover area and confirm availability for your country of residence when requesting a quote. Enquiries and member support are handled through international telephone and online channels.
Cover, eligibility and support
Hospital cover and optional modules
The published annual hospital/daypatient limits are USD 1 million for Silver and USD 2 million for Gold. Platinum is described as paid in full, subject to the applicable terms and benefit limits. More comprehensive outpatient care, vision/dental, wellbeing and evacuation are optional modules.
Official detailsResidence and age
The international plan page permits adults to take out their own policy from age 18 and states no upper age limit. The quotation starts with your country of residence; age alone does not establish acceptance or product availability.
Official detailsMedical history and underwriting
Disclose prior symptoms and medical advice, even without a diagnosis. Cigna may impose special exclusions. Limited existing-condition benefits advertised for certain ages and modules do not establish comprehensive cover for an existing illness.
Official detailsDeductibles and cost sharing
A deductible and a percentage cost share are separate contributions you may have to pay. Compare the selected deductible, cost-share maximum, benefit sublimits and optional modules before comparing premiums.
Official detailsPlanned treatment and emergencies
Contact member support before treatment and obtain the required authorisation for inpatient/daypatient care. Cigna may arrange direct billing, less your deductible or cost share. If an emergency prevents advance contact, its claims page asks for notification within 48 hours; upfront payment may be needed.
Official detailsSubmitting a claim
Use the secure Customer Area or send the invoice and claim information to cghoclaims@cigna.com. Include your policy number. The ID card identifies membership; it does not itself guarantee cover or payment.
Official detailsSales and member contacts
New sales enquiries use +44 1475 492119, with published Monday–Friday 08:00–20:00 GMT availability. Existing individual-policy members use +44 1475 788182 and cignaglobal_customer.care@cigna.com. Employer and other policy types should use the contacts on their own membership card.
Official detailsBefore choosing a policy
Is this the same as travel insurance?
International medical cover and short-trip travel insurance have different purposes. Ask for the named policy’s residency requirements, cover territory, emergency travel benefits and exclusions; do not assume cancellation, baggage or every activity is included.
Will it cover my existing condition?
Only the insurer’s written underwriting decision and issued policy establish this. A general no-upper-age-limit statement or limited existing-condition allowance is not a promise that your diagnosis is covered.
Can a Hua Hin hospital bill Cigna directly?
Check the exact hospital in the member network and obtain Cigna’s authorisation before planned treatment. Direct billing depends on the policy, treatment and provider arrangement; membership alone does not guarantee it.
Official resources for our insurance guide series
Cigna Global: international insurance for retirees
Open the provider’s official information and confirm the requirements for your own policy.
Open official resourceCigna Global: arranging treatment and making claims
Open the provider’s official information and confirm the requirements for your own policy.
Open official resourcePractical information
Check the latest operating details with the venue before travelling.
Contact and directions
Thailand
Helpful related information
Information you can verify
Important details are reviewed against the organisation’s own information and other accountable sources.