Cigna Global
Cigna Plans for Expats and International Citizens
Are you moving to a new country but still want health coverage back home? Look no further than the Cigna Global 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 Global plan has got you covered.
Cigna Global
Cigna Global has an illustrious nearly 230-year history and has been providing global health insurance for decades. Today they have over 180 million customer relationships around the world. Looking after them is an international workforce of 70,000 people, plus a medical network comprising of over 1.5 million partnerships, including over 175,000 mental and behavioral health care professionals and customer service teams around the globe.
You may be familiar with Cigna’s insurance coverage in your home country. A plan in your home country typically will cover you in that country only. You can obtain coverage while living overseas through Cigna’s Global Medical Plan. You can purchase their global coverage either independently, to cover you worldwide, or as a supplement on top of your existing medical plan. Most people purchase the global plan as a standalone plan as it is comprehensive enough to replace your existing plan and will cover you anywhere in the world.
C1 Broker and Cigna Global | The opportunity to tailor the plan to your precise needs
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.
Cigna Global Services:
Cigna Global Health Insurance offers world-class customer service to globally mobile customers. Their multilingual associates are available 24 hours a day, seven days a week, 365 days a year to help with everything from a medical emergency to verification of benefits. Or find what you need online in your Cigna Global customer area.
Cigna Global is one of the largest providers of international health insurance and expatriate medical services worldwide. Clients who are living abroad benefit from their large network of doctors, their deep financial resources, a long history of service, and a focus on customer care.
Cigna Global | Product Overview
Cigna Global Insurance Plan offers you the opportunity to tailor the plan to your precise needs. With multiple plan tiers, add-on modules and deductible and cost share options, you can perfectly balance your needs with your premium costs. This plan also gives you access to Cigna’s international network of more than 1.7 million hospitals and doctors.
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
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Cigna Global | Quote Request
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Working Hours
- Monday to Friday: 09:00 – 17:00
- Saturday and Sunday: CLOSED
Cigna Global FAQs
Frequently Asked Questions about Cigna Global in Portugal
Cigna Global has no age limit. It is possible to get international medical insurance from Cigna if you are a senior citizen.
Cigna Global is for expats, but provides coverage in your country of nationality for up to 180 days per year.
All Cigna Global plans cover cancer treatment.
Cigna Global provides coverage for inpatient treatment. In fact, it’s a standard inclusion within their comprehensive medical health insurance policy. Rest assured that if you require a hospital stay, Cigna Global has got your back. They also extend their coverage to include treatment as a day patient, ensuring your peace of mind throughout your medical journey.
Wondering how to submit a claim to Cigna Global? Well, here’s the deal. Before seeking treatment, give Cigna Global a ring. They’ll hook you up with the best local clinic, doctor, or hospital and sort out the payment directly. No need to worry about footing the bill yourself and going through the hassle of getting reimbursed later. They’ll cover your initial specialist consultation, prescribed meds, and even things that don’t require prior approval (as long as it’s covered by your plan).
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Usually, the clinic or hospital will send the invoice straight to Cigna. But on the off chance you get stuck with the bill, just send it along with the claim form to Cigna, and they’ll take care of it. Now, if you’re into deductibles, make sure you pay that amount to the healthcare provider first.
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Now, keep in mind that calling Cigna before getting treatment might not always be possible in emergencies. So, in those cases, pay for treatment yourself, then send the invoice and claim form to Cigna for reimbursement (minus any deductibles). You’ll get your money back within five days, tops.
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If you’ve already paid for treatment, you can claim your covered costs (minus deductibles and cost shares) by following the instructions and using the forms in the welcome pack. Easy peasy!
Absolutely! Following a thorough review of your medical history, Cigna Global will offer coverage for any pre-existing conditions that are not explicitly excluded at the time of your application.
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Now, in the event that you’ve sought advice or experienced symptoms prior to the start date of your plan (diagnosed or not), Cigna may opt to introduce special exclusions to your coverage. Hence, it is crucial that you accurately complete the medical questionnaire during the application process.
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When it comes to pre-existing conditions, Cigna Global typically handles them in one of four ways:
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- Coverage will be provided for the pre-existing condition, treating it the same as any other illness. This is typically the case with minor conditions like allergies.
- The pre-existing condition may be excluded from coverage.
- While the policy will cover the condition, you may incur an additional “rate up” charge to account for the associated costs, or specific limits may be imposed on those costs.
- Alternatively, your application may be denied altogether.
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If you have any pre-existing conditions, it’s highly recommended that you consult with C1 Broker, your dedicated health insurance specialist who will provide you with the best advice tailored to your situation.
