Cigna Global | Benefits

Our plan is available in three levels: Silver, Gold and Platinum. Each plan includes International Medical Insurance, and you will be able to include the following optional modules, including:

We also encourage you to contact our customer support team who will be able to assist you with finding the correct plan to fit your needs and explain the different levels in more detail.

Benefits Silver Gold Platinum
Annual Overall Limit $1,000,000
€800,000
£650,000
$2,000,000
€1,600,000
£1,300,000
Unlimited
Deductibles Options:
$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
€0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400
£0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650
Out of Pocket Max Options:
$2,000 or $5,000
€1,480 or €3,700
£1,330 or £3,325
Coinsurance Options:
70% / 80% / 90% / 100%
Hospitalization/Room and Board Semi-private room Private room Private room
Intensive Care Paid in full Paid in full Paid in full
Surgeons’ and anaesthetists’ fees Paid in full Paid in full Paid in full
Specialists’ consultation fees at Hospital Paid in full Paid in full Paid in full
Hospital accommodation for a parent or guardian $1,000
€740
£665
$1,000
€740
£665
Paid in full
Inpatient cash benefit
Per night up to 30 nights
$100
€75
£65
$100
€75
£65
$200
€150
£130
Local ambulance and air ambulance services Paid in full Paid in full Paid in full
Transplant services for organ, bone marrow and stem cell transplants Paid in full Paid in full Paid in full
Kidney dialysis Paid in full Paid in full Paid in full
Pathology, Radiology, and Diagnostic tests
(excluding Advanced Medical Imaging)
Paid in full Paid in full Paid in full
Advanced Medical Imaging
(MRI, CT, PET)
$5,000
€3,700
£3,325
$10,000
€7,400
£6,650
Paid in full
Physiotherapy and complementary therapies
(acupuncturists, homeopaths, and practitioners of Chinese medicine)
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in full
Home Nursing
Up to 30 days
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in full
Rehabilitation
Up to 30 days
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in full
Hospice and palliative care $2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in full
Cancer care Paid in full Paid in full Paid in full
Internal prosthetic devices/surgical and medical appliances Paid in full Paid in full Paid in full
External prosthetic devices/surgical and medical appliances For each prosthetic device
$3,100
€2,400
£2,000
For each prosthetic device
$3,100
€2,400
£2,000
For each prosthetic device
$3,100
€2,400
£2,000
Treatment for mental health conditions and disorders and addiction treatment $5,000
€3,700
£3,325
$10,000
€7,400
£6,650
Paid in full
Maternity
Available once the mother has been covered by the policy for 12+ months
Not Covered $7,000
€5,500
£4,500
$14,000
€11,000
£9,000
Complications of maternity
Available once the mother has been covered by the policy for 12+ months
Not covered $14,000
€11,000
£9,000
$28,000
€22,000
£18,000
Homebirths
Available once the mother has been covered by the policy for 12+ months
Not covered $500
€370
£335
$1,100
€850
£700
Newborn Care
Up to the maximum amount shown for treatment within the first 90 days following birth. Available once at least one parent has been covered by the policy for 12+ months
$25,000
€18,500
£16,500
$75,000
€55,500
£48,000
$156,000
€122,000
£100,000
Congenital Conditions
Eligible if at least one parent has been covered by the policy for a continuous period of 12+ months prior to the newborn’s birth and the newborn is added to the policy within 30 days of the birth or if they were not evident at policy inception
$5,000
€3,700
£3,325
$20,000
€14,800
£13,300
$39,000
€30,500
£25,000
Emergency inpatient dental treatment Paid in full Paid in full Paid in full

Pre-existing conditions

There may be some medical conditions that we agree to include at an additional premium. Our Underwriters will determine whether we are able to include a medical condition that would normally have been excluded. Where applicable, we will present you with a quote with the option to include the condition.

Out of area emergency cover

For additional peace of mind, all of our plans include emergency short-term medical coverage when you are visiting a location outside of your selected area of coverage (you can select from Worldwide including USA or Worldwide excluding USA cover). So if you purchase the Worldwide excluding USA option, you will still be covered for emergency treatment on an Inpatient or Daypatient basis, or Outpatient basis (if the International Outpatient additional coverage option has been purchased under your policy) during temporary business or holiday trips to the USA. Coverage is limited to a maximum period of 3 weeks per trip and a maximum of 60 days per period of cover for all trips combined. Please read our policy documentation for the full terms and conditions relating to this benefit.

The above is a summary schedule of benefits. Benefits are subject to the deductible and coinsurance unless otherwise noted. For a further description of benefits, please refer to the Master Certificates of the plan.

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International Outpatient

More extensive outpatient care for treatments that don’t require an overnight stay in hospital. As well as this, consultations with specialists and medical practitioners, prescribed outpatient drugs and dressings, pre-natal and post-natal outpatient care, physiotherapy, osteopathy, chiropractic and much more are covered with this Optional Module.
Benefits
Benefits Silver Gold Platinum
Annual Benefit $10,000
€7,400
£6,650
$25,000
€18,500
£16,625
Unlimited
Deductibles $0 / $150 / $500 / $1,000 / $1,500
€0 / €110 / €370 / €700 / €1,100
£0 / £100 / £335 / £600 / £1,000
Out of Pocket Max Options:
$3,000
€2,200
£2,000
Coinsurance Options:
70% / 80% / 90% / 100%
Consultation with medical practitioners and Specialists $125/€90/£80 limit per visit.
Up to 15 visits per year
$250/€185/ £165 limit per visit.
Up to 30 visits per year
Paid in full
Pre-natal and post-natal care
Available once the mother has been covered by the policy for 12+ months
Not covered $3,500
€2,750
£2,250
$7,000
€5,500
£4,500
Pathology, radiology and diagnostic tests
(excluding Advanced Medical Imaging)
$2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in full
Physiotherapy treatment $2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in full
Osteopathy and chiropractic treatment Paid in full up to 15 visits Paid in full up to 15 visits Paid in full up to 30 visits
Acupuncture, Homeopathy, and Chinese medicine
Up to a combined maximum of 15 visits per period
Paid in full Paid in full Paid in full
Restorative speech therapy $2,500
€1,850
£1,650
$5,000
€3,700
£3,325
Paid in full
Prescribed drugs and dressings $500
€370
£330
$2,000
€1,480
£1,330
Paid in full
Rental of durable equipment
Up to a maximum of 45 days in the period of cover.
Paid in full Paid in full Paid in full
Adult vaccinations
Covered vaccinations: Influenza (flu); Tetanus (once every 10 years); Hepatitis A; Hepatitis B; Meningitis; Rabies; Cholera; Yellow Fever; Japanese Encephalitis; Polio booster; Typhoid; and Malaria (in tablet form, either daily or weekly).
$250
€185
£165
Paid in full Paid in full
Dental accidents $1,000
€740
£665
Paid in full Paid in full
Well child tests
Up to the age of 6
Paid in full Paid in full Paid in full
Child immunizations
For children aged 17 or younger for: DPT; MMR; HiB; Polio; Influenza; Hepatitis B; Meningitis; HPV
Paid in full Paid in full Paid in full
Annual routine tests
For children aged 15 or younger for: one eye test and one hearing test
Paid in full Paid in full Paid in full
60+ Care
Pay for the medically necessary outpatient treatment costs associated with the maintenance of this condition: Arthritis, joint or back pain, Glaucoma, Hypertension, Osteoporosis / Osteopenia, Type 2 Diabetes
Not covered $1,000
€740
£665
$2,000
€1,480
£1,330

International Medical Evacuation

Medical evacuation in the event that treatment is not available locally in an emergency, as well as repatriation, allowing the beneficiary to return to their country of habitual residence or nationality. Also includes compassionate visits for a parent, spouse, partner, sibling or child to visit a beneficiary after an accident or sudden illness and the beneficiary has not been evacuated or repatriated.
Benefits
Benefits Silver Gold Platinum
Annual Benefit Paid in full Paid in full Paid in full
Medical Evacuation Paid in full Paid in full Paid in full
Medical repatriation Paid in full Paid in full Paid in full
Repatriation of mortal remains Paid in full Paid in full Paid in full
Travel costs for an accompanying person Paid in full Paid in full Paid in full
Compassionate visits
— travel costs
Up to a maximum of 5 trips per lifetime
$1,200
€1,000
£800
$1,200
€1,000
£800
$1,200
€1,000
£800
Compassionate visits
— living allowance costs
Up to the maximum amount shown per day for each visit with a maximum of 10 days per visit.
$155
€125
£100
$155
€125
£100
$155
€125
£100

International Health & Wellbeing

Covers you for screenings, tests, examinations and counseling support for a range of life crises and tailored advice and support through our online health education and health risk assessment, helping the beneficiary to take control and manage their health the way they want.
Benefits
Benefits Silver Gold Platinum
Routine adult physical examinations
We will pay for routine adult physical examinations (including but not limited to: height, weight, bloods, urinalysis, blood pressure, lung function etc), for persons aged 18 or older.
$225
€165
£150
$450
€330
£300
$600
€440
£400
Pap smear
We will pay for one pap smear for females.
$225
€165
£150
$450
€330
£300
Paid in full
Prostate cancer screening
We will pay for one prostate examination for males aged 50 or over.
$225
€165
£150
$450
€330
£300
Paid in full
Mammograms for breast cancer screening
We will pay for:
  • Aged 35–39: one baseline mammogram for asymptomatic women.
  • Aged 40–49: one mammogram for asymptomatic women every two years.
  • Aged 50 or older: one mammogram each year.
$225
€165
£150
$450
€330
£300
Paid in full
Bowel cancer screening
We will pay for one bowel cancer screening for a person aged 55 or older.
$225
€165
£150
$450
€330
£300
Paid in full
Bone densitometry
We will pay for one scan to determine the density of the beneficiary’s bones.
$225
€165
£150
$450
€330
£300
Paid in full
Dietetic consultations
We will pay for up to 4 consultations with a dietician per period of cover, if the beneficiary requires dietary advice relating to a diagnosed disease or illness such as diabetes.
Not covered Not covered Paid in full
Life management assistance programme
We will pay for up to 5 counselling sessions per issue per period of cover.
Paid in full Paid in full Paid in full
Online health education, health assessments and web-based coaching programmes Paid in full Paid in full Paid in full

International Vision & Dental

Vision care including an eye test and a wide range of preventative, routine and major dental treatments.
Benefits
Vision Care
Benefits Silver Gold Platinum
Eye examination
We will pay for one routine eye examination per period of cover, to be carried out by either an ophthalmologist or optometrist.
$100
€75
£65
$200
€150
£130
Paid in full
Expenses for:
  • Spectacle lenses
  • Contact lenses
  • Spectacle frames
  • Prescription sunglasses
$155
€125
£100
$155
€125
£100
$310
€245
£200
Dental Treatment
Benefits Silver Gold Platinum
Annual benefit — maximum per beneficiary per period of cover $1,250
€930
£830
$2,500
€1,850
£1,650
$5,500
€4,300
£3,500
Preventative dental treatment
After the beneficiary has been covered on this option for 3 months, the plan will cover:
  • two dental check-ups per period of cover
  • X-rays, including bitewing, single view, and orthopantomogram (OPG)
  • scaling and polishing including topical fluoride application when necessary (two per period of cover)
  • one mouth guard per period of cover
  • one night guard per period of cover
  • Fissure sealant.
Paid in full Paid in full Paid in full
Routine dental treatment
After the beneficiary has been covered on this option for 3 months, the plan will cover:
  • root canal treatment
  • extractions
  • surgical procedures
  • occasional treatment
  • anaesthetics
  • periodontal treatment
80% refund per period of cover 90% refund per period of cover Paid in full
Major restorative dental treatment
After the beneficiary has been covered on this option for 12 months, the plan will cover:
  • dentures (acrylic/synthetic, metal and metal/acrylic)
  • crowns
  • inlays
  • placement of dental implants
70% refund per period of cover 80% refund per period of cover Paid in full
Orthodontic treatment
For beneficiaries aged 18 years old or younger after the beneficiary has been covered on this option for 18
40% refund per period of cover 50% refund per period of cover 50% refund per period of cover

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