The Cigna Global Medical plan is available in three levels so that you can choose the coverage level that’s right for you.
On this plan you will be able to choose the deductible, cost share, and out of pocket maximum on your plan.
Example: You choose a $500 deductible, an 80%/20% coinsurance, and a $2,000 out of pocket maximum on your plan.If, for example, you have a $20,000 claim, you would pay the first $500, which would satisfy your deductible. Then you would pay 20% of $19,500 (or, $3,900) but since this is more than your out of pocket maximum, you would only pay $2,000 (your out of pocket maximum). In total, you would pay $2,500 ($500 + $2,000). Your plan would cover $17,500.
As a Cigna customer you have access to a wealth of information wherever you are in the world through your secure online Customer Area . Here you will be able to effectively manage your policy including:
When you need medical care, it’s important that you call the number on your insurance ID card so that you go to an in-network doctor, hospital or clinic. If you call in advance, direct payment is often arranged so you don’t have to file a claim. You will need to bring your ID card when you go for your appointment and be prepared to pay your deductible.
If you end up paying for your medical treatment out of pocket, then you will need to file a claim. To do this, you can send your invoice and claim form using any of the following methods.
You must be 18 years old or over to purchase a policy. While all nationalities are encouraged to apply, there are certain country restrictions. Please note that the Cigna Global is not available to internationals residing in, or citizens of, the following countries: Iran, Sudan, Syria, Cuba, North Korea, local nationals in the US Virgin Islands, and Libya.US citizens can have coverage up to 180 days in the United States as long as they choose to include coverage in the US.
The Cigna Global Medical plan is a medically underwritten plan, which means that your family's medical status and history will be used to determine your eligibility for coverage. Once you have submitted your application it will be reviewed within 5 business days by an underwriter. Within that period you will hear back from the underwriters and they will either: