How Does International Health Insurance Work?
International health insurance offers essential medical coverage for individuals living abroad. Whether you’re a student studying abroad or you’ve decided to move away from your home country, international health insurance ensures you’re able to access high-quality medical care from wherever you are in the world.
International health insurance is similar to traditional health insurance in that it covers a wide range of medical treatments and conditions and gives you access to a network of hospitals and healthcare providers.
To help you better understand your insurance options when living abroad, here’s everything you need to know for how does international health insurance work.
What is International Health Insurance?
International health insurance is health coverage designed specifically for individuals that are moving to a country other than their home country. If you plan to live abroad for longer than six months, a standard travel insurance policy will not offer sufficient coverage.
With international health insurance, you’ll get access to a global network of doctors, hospitals, and healthcare providers. This ensures that you have access to the medical treatment and services you need while outside of your home country.
Cigna Global international health insurance policies offer flexible coverage that can be customized to meet your needs. Members can add optional modules, change their deductibles, and more to create a plan that meets their coverage and financial needs.
How Does International Health Insurance Work?
International health insurance can help cover costs relating to inpatient care, outpatient care, emergency evacuation, repatriation, and medical transportation costs. These policies offer long-term health coverage for immigrants, expatriates, and global nomads living abroad for six months or more.
When building your policy, you can typically add optional coverages, like vision and dental, to ensure your plan meets your specific needs.
If you need medical care, you can contact your plan’s emergency medical hotline for assistance with finding a hospital or doctor to treat your condition. Your insurance company should be able to direct you to a facility or doctor that speaks your language and meets the insurance company’s standards for high-quality medical care.
Like a standard health insurance policy, international health insurance will often bill the hospital directly, so you don’t have to pay out of pocket. If you do ever have to pay out of pocket, you can file a claim with your insurer for reimbursement.
Most international health insurance policies also offer wellness care and preventative services, including annual physicals and vaccinations, that members can take advantage of to prevent illness.
Cigna International Health Insurance Plan Benefits
Cigna Global international health policies provide comprehensive medical coverage at affordable rates for any individuals living outside of their home country for an extended period of time.
Cigna’s international plans offer several key benefits for members, including:
- Adjustable deductibles and cost-share options.
- Treatment for mental health conditions and disorders, including addiction.
- 24/7 multilingual support services.
- Access to an online customer area where members can manage their plans and access important plan documents.
- Full coverage for inpatient care.
- Global telehealth services.
- Coverage for newborn care services.
- Coverage for vaccinations under Cigna’s Child and Adolescent well-being benefit.
Cigna international health insurance policies are available in three tiers: Silver, Gold, and Platinum. While these plans offer varying coverages and coverage limits, they all offer the core benefits outlined above.
For members that need coverage beyond what these core policies provide, you can add optional modules to your policy. These optional modules include vision and dental coverage, outpatient care, medical evacuation coverage, and health and wellbeing coverage.
How Much Does International Health Insurance Cost?
Cigna Global bases its premium rates on several factors, including:
- Plan tier
- Deductible
- Age
- Citizenship
- Where you plan to live
Cigna Global health insurance plans start at as little as $100 per month, and the average cost is around $350 per month. For members that need to keep costs low, Cigna lets members adjust their deductibles and plan features to ensure their plans meet their financial needs.
Request a Quote
If you plan to live outside of your home country for longer than six months, international health insurance can help you get access to the medical care and services you need while living abroad. Cigna Global health insurance offers flexible, comprehensive coverage at affordable rates for individuals around the world.
At KSA Insurance, we work with individuals in South Carolina and across the southeastern United States to help them find affordable international health plans that meet their coverage needs.
Contact us today to get a quote and learn more about international health insurance.
