C1 Broker®

Cigna Close Care

Bridging the gap between health insurance in two countries

Are you moving to a new country but still want health coverage back home? Look no further than the Cigna Close Care plan featured by C1 Broker. With this innovative plan, you can create a customized plan that covers only your country of nationality and residence, plus emergency coverage in a third country. Choose from a variety of deductible and cost share options to create the perfect plan to fit your needs. Whether you’re moving to Portugal or another exciting location, the Cigna Close Care plan has got you covered.

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C1 Broker - Cigna Health Insurance for Residents and Expats in Portugal

Cigna Close Care

When it comes to private health insurance, it’s important to find coverage that accommodates your lifestyle, especially if you’re a frequent traveller or reside in multiple countries throughout the year. With nationalities and visas to consider, finding the right plan can seem overwhelming. However, there are options available that cater to your needs, and luckily C1 Broker is here to help!


For international citizens that split their time between two countries, finding a comprehensive health insurance can be challenging. That’s why private health insurance that offers cover in both the country of origin and the country of residence was created. This special product bridges the gap and ensures you’re covered no matter where you are. Unlike other international health plans that provide coverage all around the world, these plans only cover two countries, making them affordable for those on a budget. Don’t settle for incomplete coverage, get the peace of mind you deserve with private health insurance tailored to your specific needs.

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C1 Broker and Cigna Close Care | Comprehensive Health Insurance for Internationals who live between two countries

C1 Broker, international insurance broker, specialist in health insurance for expats and retirees, understand that for many internationals citizens who live between two countries, private health insurance that covers both their country of origin and country of residence can be a game-changer.

We have developed with Cigna International a very special solution that offers comprehensive health coverage for individuals who tend to spend most of their year in two different places.

Interestingly, due to the nature of this coverage, the costs of this international health plan are significantly affordable compared to health plans that cover people worldwide. Health insurance has always been an essential requirement, especially when living abroad. Therefore, whatever your health needs or circumstances, having a private health plan that suits your unique lifestyle can provide peace of mind knowing you are always covered, no matter where you go.

Summary of Benefits - Core Coverage

Inpatient and Daypatient Benefits 
Annual overall benefit maximum – per beneficiary per period of cover €400,000

Area of Coverage

The area of coverage is limited to your country of habitual residence and country of nationality.
› USA coverage is included if the country of habitual residence is the USA.
› USA nationals can choose to purchase USA coverage (if the policyholder does not elect to purchase USA
coverage, then beneficiaries do not have coverage on visits home).
› USA area of coverage is not permitted if either of the options above do not apply.


Condition limit

This is the annual amount we will pay towards all costs of treatment following the diagnosis of a condition. This
includes all claims paid across inpatient, daypatient and outpatient in relation to the primary condition. This applies to
each beneficiary per period of cover


Out of area emergency cover

Emergency inpatient, daypatient and outpatient medical treatment during temporary trips outside your country
of habitual residence or country of nationality.
› This is limited to 21 days per trip and a maximum of 45 days for all trips combined per policy year.



Hospital charges

›nursing and accomodation for inpatient and daypatient treatment and recovery room;

›operating theatre

›prescribed medicines, drugs and dressings for inpatient or daypatient treatment.
› treatment room fees for outpatient surgery.

Semi-private room
Pandemics, epidemics and outbreaks of infectious illnesses
 Inpatient cash benefit                                                                                                                                                                                                                        €75 Per night up to 30 days

Intensive care

› intensive therapy.
› coronary care.
› high dependency unit.

Surgeons’ and Anaesthetists’ fees
Specialists’ consultation fees
Transplant services                                                                                                                                                                                                                                       ✔
Kidney Dialysis                                                                                                                                                                                                                                               ✔
Advanced Medical Imaging (MRI, CT and PET scans)€1,850
Physiotherapy and complementary therapies€1,480


Cigna will pay for: 

› Physucal therapy;

› Occupational therapy

› Speech therapy

Up to 30 days 

Mental Health Care

As part of inpatient, daypatient or outpatient treatment. 

Cigna will pay: 

› Up to 60 days combined maximum total for inpatient and outpatient mental health care
› Up to 30 days maximum for inpatient mental health care

Up to 60 days
Cancer care
Cancer related appliances100€
per lifetime per cancer related appliance
Hospice and Palliative care€1,850
Internal prosthetic devices
External prosthetic devices€1,850
Local ambulance services
Emergency inpatient dental treatment€1,850
Annual overall benefit maximum – per beneficiary per period of cover €3,700
Consultations with medical practitioners and specialists€500

Telehealth consultations 


Pathology, radiology and diagnostic tests
(excluding Advanced Medical Imaging)




Osteopathy and chiropractic treatment


Acupuncture and Chinese medicine

Up to the total limit shown per beneficiary per period of cover.


Prescribed drugs and dressings


Rental of durable medical equipment

Up to 45 days and the total limit shown per beneficiary per period of cover.

Adult vaccinations€185
Dental accidents€370
Child wellbeing tests€740

Child immunisations


Annual eye and hearing test for children aged 15 and younger

Routine adult physical examination€75
Life Management Assistance ProgrammeIncluded

Telephonic Wellness Coaching


Cervical cancer screening

Prostate cancer screening

Breast cancer screening

Bowel cancer screening

Skin cancer screening

Lung cancer screening

Bone densitometry

Per screening limit

Combined aggregate limit


Annual overall benefit maximum – per beneficiary per period of cover.
Preventative dental treatment Paid in full

Routine dental treatment

 80% refund per
period of cover

Major restorative dental treatment

70% refund per 

period of cover


For example, Canadian nationals who relocate to Portugal can benefit from private health insurance that offers coverage in both countries. This solution allows for peace of mind, knowing that you are covered regardless of which country you happen to be in at any given time. It’s important to thoroughly consider your options to find the best plan for you and your unique lifestyle. C1 Broker can happily offer you this solution with Cigna Close Care.  Contact us today to get a personalised quote!


C1 Broker provides expert advice and solutions for all your health insurance needs when relocating to Portugal or Spain. With over 27 years of experience, we are specialists in international health insurance for expats, families, and retirees. Our partnership with Cigna Global Insurance ensures that we can offer the best coverage and support to our clients before, during, and after their move abroad. Our team can assist you with managing health claims with local providers, making the process seamless and stress-free. Let us provide you with the peace of mind you deserve by protecting your health while abroad.

Canadians who want to relocate to Portugal

Cigna Close Care - Health Insurance for expats in Portugal
C1 Broker team - Maximiliam Wichels - Insurance Broker - Spain - Portugal - Expat Insurance broker

Maximilian Wichels 

Request a Video-call with a C1 broker Health Insurance specialist!

We will help you find the right private health insurance product, answer all your doubts and address important questions like:

  • Understanding the importance of comprehensive health insurance for internationals who live between two countries
  • Overview of the different types of international health insurance coverage available
  • Exploring the advantages and disadvantages of various international health insurance policies
  • Tips for finding affordable, comprehensive international health coverage that fits your budget
  • The benefits of having a dedicated health insurance specialist to guide you through the process
  • Choosing the right insurer for your unique healthcare needs and lifestyle

Cigna Close Care | Product Overview

Cigna Close Care is a expat health insurance plan offers protection in both your home country and the country you’re living in – so you only pay for insurance in the areas you need it. Plus, if you decide to take a trip elsewhere, Cigna’s Out of Area Emergency Cover ensures you’re still protected. This plan is fully customizable to fit your budget and needs, and our expert team is ready to help you create the perfect plan for you. Travel with peace of mind with Cigna Close Care.


We are so thrilled that we found C1 Broker and their brilliant team of experienced professionals. We were looking for a Comprehensive health insurance for internationals who live between two countries and the results were better than expected. Not only did they have top cover options, but also very attractive prices! The process was smooth as butter: all the instructions were clear and concise; the team answered our questions quickly and thoroughly. We felt like we could trust them from the very beginning. Highly recommended!
Family Martin, Scotland
Cigna Close Care​
We are so happy that we chose C1 Broker for our health insurance needs! After relocating from the UK to Portugal, we needed a comprehensive health plan that would cover us in both countries - and C1 Broker was able to provide exactly what we were looking for. Not only did they offer a great coverage plan, it was also very affordable. We are so glad that we chose C1 Broker for our health insurance needs! They made it easy and straightforward, and we highly recommend their services. Thank you, Fatima and Ralf from C1 Team!
Family Johnson, UK
Cigna Close Care

Cigna Close Care | Quote Request

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FAQs about Cigna Close Care

Frequently Asked Questions about Cigna Close Care in Portugal

Find your peace of mind with Cigna Close Care medical insurance – without breaking the bank! We’ll cover your medical needs with personalized care, and the cost won’t leave you feeling drained. Our rates are designed to fit your lifestyle and your budget.

This plan is designed for internationals who frequently travel between two countries, making it a more affordable option than a private health plan that covers you globally. You’ll have peace of mind knowing you have access to quality healthcare no matter where you are, all without breaking the bank.

As an expat, you can get medical insurance specifically designed for you. With Cigna Close Care, you can customize your deductible and cost-share to fit your budget. Plus, you can add extra benefits for an additional premium. So how much does it cost? The price can vary depending on your age, citizenship, and location. On average, a UK national at the age of 44 can expect to pay around 200 euros per month. For most clients, the annual cost ranges between 3.000-5.000 euros. Get a free quote today to see how you can get affordable health coverage with Cigna Close Care with all the local and human support of C1 Broker specialists!

The short answer is yes! As long as your nationality is American, you can receive coverage in both the United States and Portugal. Why not get a free quote today from C1 Broker specialists to find out how you can get affordable and reliable health coverage with the added benefits of local and human support?

Cigna Close Care special plan let you opt out, because as a US citizen, you have the option to skip out on US coverage.  Discover the benefits of opting out of US coverage as a US citizen! While opting out means you won’t receive emergency coverage in the US, it could be an excellent way to reduce your health insurance premium. At C1 Broker, our health insurance specialists in Portugal can help you find the best plan for you and your family. Contact us today for a free quote and find the perfect health insurance plan.

If you find yourself in Portugal and in need of medical care, Cigna Close Care may be the right choice for you. With this health insurance, you have the option of choosing a clinic with direct billing, where Cigna will pay the hospital directly, or you can choose to pay upfront and present the invoice for reimbursement of 100%. The Overall Maximum Coverage for Cigna Close Care is 400.000 euros, with a 250.000 euros maximum for any specific condition. Inpatient and Outpatient services also have specific annual limits. If you are diagnosed with cancer, your treatment will be paid in full. The Outpatient and Wellness module provides an additional yearly maximum of 5.000 euros for outpatient coverage, and up to 500 euros in prescription drugs per year. Cigna Close Care can offer peace of mind when it comes to your health while in Portugal.

Applying for Cigna Close Care is easy with the help of C1 Broker, your trusted international health insurance specialists in Portugal. As your local Cigna representative, we ensure that you receive the benefits of a global insurer with personalized assistance from a knowledgeable local broker. The premiums are the same whether you hire directly from Cigna or through us. However, by choosing us, you can enjoy an extra layer of service that includes one-on-one human interaction and the option to visit us personally at our offices. We take pride in putting our clients first, which is why we go by the name “C1” which means Customer First, Always. Contact us today to learn more about applying for Cigna Close Care.

It’s natural to have concerns about whether or not your pre-existing conditions will be covered under the Cigna Close Care plan. Unfortunately, as a general rule, the plan does not cover pre-existing conditions. However, there may be options available to you. If you would like to explore the possibility of finding a plan that can cover your pre-existing condition, we suggest that you get in touch with the C1 Broker health insurance specialists. They can analyse your case and make recommendations for plans that may offer greater coverage for pre-existing conditions. Alternatively, they can negotiate with Cigna on your behalf to try and obtain better coverage for you. It’s important that you have the right coverage for your needs, so don’t hesitate to reach out for help.

Cigna Close Care is a health insurance plan designed for global citizens, meaning that if you are a national living in your home country, you do not meet the criteria to use this insurance. For example, if you are a Portuguese national living in Portugal, applying for Cigna Close Care is not an option, and a local health plan would be more beneficial for you. However, if you are a Portuguese living abroad in countries such as Switzerland, US, UK, or Brazil, you are eligible to apply for Cigna Close Care. If you are unsure about your eligibility or have any doubts, contact our health insurance experts, and they will be delighted to assist you in finding the right health plan for your individual needs.