Expat Health Insurance

For individuals living outside of their home countries, finding affordable, comprehensive health coverage can be a challenge. International health insurance plans help expatriates get the health coverage they need while living abroad.

Expat health insurance plans are highly customizable and provide the essential benefits you need to maintain peace of mind while living outside of your home country. From inpatient care to mental healthcare services, Cigna Global health insurance plans are designed to offer flexible coverage to expats across the globe.

Here’s everything you need to know about expat health insurance.

What’s the difference between expat health insurance and travel insurance?

Travel insurance offers limited coverage for individuals who live in one country but are temporarily visiting another country where their existing health coverage does not apply.

Expat health insurance is specifically designed to offer comprehensive health coverage to expats that plan to live outside of their home countries for extended periods of time. These policies ensure you have access to the same range of medical treatments you would typically have access to in your home country.

What Does Cigna Expat Health Insurance Cover?

Cigna expat health insurance offers flexible coverage that can be modified to meet your needs.

The core policy covers essential treatment and hospital stays, as well as fees for consultation, wellness care, accommodation, and inpatient and outpatient treatments. Gold and Platinum policies offer higher levels of coverage, including coverage for maternity checkups.

Beyond the core coverages offered by Cigna Global health policies, individuals can enhance their policies with optional modules, including:

  • Outpatient coverage for consultation fees with specialists and medical professionals, as well as prescription drugs and dressings, chiropractic care, and more.
  • Medical evacuation coverage, which covers transportation costs for emergency medical treatment, repatriation, and compassionate visits for the family members of a beneficiary.
  • Health and wellbeing coverage for screenings, tests, examinations, and counseling support for a range of conditions.
  • Vision and dental coverage.

By adding optional modules to your expat health insurance policy, you can ensure your policy meets your unique needs while living abroad.

How Much Does Expat Health Insurance Cost

Cigna Global expat health insurance plans start at as little as $100 per month, while the average plan costs around $350 per month.

With that in mind, policy costs can vary significantly depending on several factors, including:

  • Age
  • Citizenship
  • Where you will be living
  • Plan level
  • Area of coverage
  • Deductibles
  • Cost-share options
  • Optional modules

For most members, plan costs range from $4,000 to $6,000 per year.

Cigna Global health plans can be modified as needed to adjust their cost.

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