Cigna Global
Cigna Plans for Expats and International Citizens
Are you an expat in Portugal in need of comprehensive medical insurance? Look no further than the Cigna Global plan, complemented by the expertise of C1 Broker health insurance specialists. Their flexible approach allows you to add modules with specific benefits tailored to your needs, without having to pay for unnecessary coverage. Let C1 Broker help you configure the multiple deductible and cost-sharing options, so you can optimize the cost of your premium. The variety of benefits and access to international doctors and hospitals makes Cigna Global one of the top choices for travelers and expats alike. As C1 Broker is the leading provider for Cigna in Spain and Portugal, you can trust their expertise in helping you find the best health insurance plan to meet your needs.
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Cigna Global Portugal
At C1 Broker, we are proud to be the leading provider of health insurance plans in Spain and Portugal for expatriates and international citizens. Whether you are looking for medical insurance to cover your routine checkups or comprehensive plans that can be tailored to suit your individual needs, we have got you covered.Â
What’s more, you can access the Cigna Global network of trusted hospitals, clinics, and doctors with us. And don’t worry about customer service – Cigna representatives are available to you 24/7/365.Â
What sets us apart is our expertise in the field, ensuring that we can answer all your questions and support you in case of serious claims. At C1 Broker, we understand that your health is your most valuable treasure, and we are dedicated to defending your interests. So why not contact us today for a personalised quote?
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.
C1 Broker and Cigna International Health plans
Keeping yourself healthy is important no matter where you are in the world, but sometimes our health needs can be unpredictable. That’s where the Cigna International Health Insurance Plans come in – with their comprehensive and flexible coverage, you can rest easy knowing you’re covered for whatever life throws at you.Â
What sets Cigna apart is their customizable plans, which allow you to choose and only pay for the coverage you truly need. And with the help of C1 Broker, finding the right plan for your needs has never been easier.Â
The three levels of coverage – Silver, Gold, and Platinum – give you the flexibility to choose the amount of coverage and cost that works best for you. So no matter where you go in the world, you can feel secure knowing that your health is taken care of.
CIGNA SILVER
CIGNA GOLD
CIGNA PLATINIUM
Cigna International Health Plan 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.
Find out some of the most important features in Cigna Global’s three core Health International plans: Silver, Gold, and Platinum.
Standard Features Included in all plans of Cigna Global
- Deductible Options - Members can choose a deductible and a cost-share option for their plan to adjust the cost of their premiums.
- Area of Coverage - Members can choose between two coverage areas: Worldwide Coverage or Worldwide Coverage, Excluding the U.S.
- Inpatient Care -Â Essential hospital stays and treatments, such as cancer care, are paid in full.
- Mental Health Care -Â Treatment for mental health conditions, disorders, and addiction.
- Global Health Assist - Cigna provides members with full medical support.
- Online Customer Area - Access to a secure online customer area to handle your documents and claims.
Optional Modules in Cigna Global
- OUTPATIENT - Cigna's optional Outpatient coverage module provides cover for consultation fees with specialists and medical professionals, as well as prescription drugs and dressings, chiropractic care, and more.
- EVACUATION - Medical Evacuation coverage provides cover for transportation costs for emergency medical treatment, repatriation, and compassionate visits for the family members of a beneficiary.
- HEALTH & WELLBEING - The optional Health and Wellbeing coverage module provides cover for screenings, tests, examinations, and counseling support for a range of conditions. It also includes advice and support through Cigna's online health risk assessment.
- VISION & DENTAL - Vision care provides coverage for the beneficiary's routine eye examination and the cost for eyeglasses and lenses. Dental care provides cover for preventative, routine, and major restorative dental treatments.
| Silver | Gold | Platinum | |
|---|---|---|---|
| Annual International Outpatient benefit maximum Per beneficiary per period of cover | €12,000 | €25,900 | Paid in full |
| Consultations with medical practitioners and specialists | €1,850 | €2,200 | ✔ |
|  Prescribed drugs and dressings | €1.100 | €2,200 |  ✔ |
| Pathology, Radiology and diagnostic tests (excluding Advanced Medical Imaging) | €1,850 | €3,700 | ✔ |
Outpatient Rehabilitation
| €3,700 | €7,400 | ✔ |
| Pre-natal and post natal care  12-month waiting period |  | €2,750 | €5,500 |
Infertility Investigations and treatment
 24-month waiting period |  |  | €7,400 |
| Sleep Apnoea |  | €1,100 | €1,480 |
| Genetic Cancer test  12-month waiting period |  | €1,480 | €2,950 |
Acupuncture & Chinese medicine
|  | €1,850 | €3,700 |
Durable medical equipment | ✔ | ✔ | ✔ |
| Adult vaccinations | €185 | ✔ | ✔ |
| Dental accidents | €740 | ✔ | ✔ |
| Child and Adolescence Wellbeing health | ✔ | ✔ | ✔ |
| 60+ Care |  | €740 | €1480 |
| Â | Â | Â | Â |
| Silver | Gold | Platinum | |
|---|---|---|---|
| International Medical Evacuation Annual benefit maximum Per beneficiary per period of cover | ✔ | ✔ | ✔ |
Crisis Assistance Plusâ„¢ Program
| FocusPoint International® will pay for crisis consulting expenses and other additional expenses per covered response (up to a maximum of two physical incidents per beneficiary per period of cover). | ||
| Medical evacuation | ✔ | ✔ | ✔ |
| Medical repatriation | ✔ | ✔ | ✔ |
| Repatriation of mortal remains | ✔ | ✔ | ✔ |
| Travel cost for an accompanying person | ✔ | ✔ | ✔ |
Compassionate visit – travel costs
| €1,000 | €1,000 | €1,000 |
Compassionate visit – living allowance costs
| €125 | €125 | €125 |
| Silver | Gold | Platinum | |
|---|---|---|---|
Life Management Assistance program
| ✔ | ✔ | ✔ |
Mental Health Support Program
| ✔ | ✔ | ✔ |
Telephonic Wellness Coaching
| ✔ | ✔ | ✔ |
| Routine adult physical examination | €165 | €330 | €440 |
| Â | Â | Â | Â |
| Cervical cancer screening | €165 | €330 | ✔ |
| Prostate cancer screening | €165 | €330 | ✔ |
| Mammograms for Breast cancer screening | €165 | €330 | ✔ |
| Bowel cancer screening | €165 | €330 | ✔ |
| Â | Â | Â | Â |
| Bone densitometry | €165 | €330 | ✔ |
Dietetic consultations
|  |  | ✔ |
| Silver | Gold | Platinum | |
|---|---|---|---|
| Vision Care | |||
Eye Test
| €75 | €150 | ✔ |
Expenses for:
| €125 | €125 | €240 |
| Dental Treatment | |||
| Annual Dental benefit maximum Per beneficiary per period of cover | €930 | €1,850 | €4,300 |
| Preventative  3-month waiting period | ✔ | ✔ | ✔ |
| Routine  3-month waiting period | 80% refund | 90% refund | ✔ |
| Major restorative  12-month waiting period | 70% refund | 80% refund | ✔ |
Orthodontic treatment
 18-month waiting period | 40% refund | 50% refund | 50% refund |
Cigna Global Medical Benefits and Coverage
| Deductible | Cost Share | Out of Pocket Maximum | |
|---|---|---|---|
| International Medical Insurance | €0, €275, €550, €1,100, €2,200, €5,500, €7,400 | 0%, 10%, 20%, or 30% | €1,480 or €3,700€ |
| International Outpatient | €0, €110, €370, €700, €1,100 | 0%, 10%, 20%, or 30% | €2,200 |
| Silver | Gold | Platinum | |
|---|---|---|---|
| Annual overall benefit maximum – per beneficiary per period of cover | €800,000 | €1,600,000 | Paid in full |
| International Medical Insurance | |||
| Hospital charges | ✔ Paid in full |
✔ Paid in full |
✔ Paid in full |
| Hospital accommodation for a parent or guardian | €740 | €740 | ✔ |
| Pandemics, epidemics and outbreaks of infectious illnesses | ✔ | ✔ | ✔ |
Inpatient cash benefit
| €74 | €75 | €150 |
Accident and Emergency Room Treatment
|
€370 | €740 | €1,000 |
| Transplant services | ✔ | ✔ | ✔ |
Advanced Medical Imaging (MRI, CT and PET scans)
|
€7,400 | €12,000 | ✔ |
Rehabilitation
|
€3,700 Up to 30 days |
€7,400 Up to 60 days |
✔ Up to 90 days |
| Home nursing | €1,850 Up to 30 days |
€3,700 Up to 60 days |
✔ Up to 120 days |
| Acupuncture & Chinese Medicine | €1,100 | €1,850 | ✔ |
| Palliative care | €25,900 | €44,400 | ✔ |
| Prosthetic devices | ✔ | ✔ | ✔ |
| Local ambulance & air ambulance services | ✔ | ✔ | ✔ |
Mental and Behavioral Health Care
*Day limit only applies to inpatient and daypatient treatments. |
€3,700 Up to 30 days* |
€7,400 Up to 60 days* |
✔ Up to 90 days* |
| Treatment for Obesity 24-month waiting period |
70% refund up to €14,800 | 80% refund up to €18,500 | |
| Cancer preventative surgery | 70% refund up to €7,400 | 80% refund up to €13,300 | 90% refund up to €13,300 |
| Cancer care | ✔ | ✔ | ✔ |
Cancer related appliances
|
$125 per lifetime per cancer related appliance | $125 per lifetime per cancer related appliance | $125 per lifetime per cancer related appliance |
| Congenital conditions | €3,700 | €14,800 | €30,500 |
Out of Area Emergency Hospitalization Cover
|
€75,000 | €200,000 | ✔ |
| Parent and Baby Care | |||
| Routine maternity care 12-month waiting period |
€5,500 | €11,000 | |
| Complications from maternity 12-month waiting period |
€11,000 | €22,000 | |
| Homebirths 12-month waiting period |
€370 | €850 | |
Newborn Care
|
€18,500 Up to 90 days |
€55,500 Up to 90 days |
€122,000 Up to 90 days |
Restrictions of Cigna Global Health Care
The Cigna Global Health Benefits plan is available to all nationalities living abroad.
You are encouraged to apply regardless of your nationality, so long as you meet the minimum age requirement of 18 years old to purchase a Cigna International Health Plan.Â
There will be instances when countries might limit or restrict coverage due to local health care regulations. If you encounter this problem, we will recommend a suitable alternative plan.
Geographic Restrictions with Cigna Global Health Care
- COUNTRY RESTRICTIONS — Cigna is currently not accepting an address in Cuba, the Democratic Republic of the Congo, Iran, Israel, Libya, Sudan, or Syria.
- DESTINATION RESTRICTIONS — Cigna is currently NOT covering individuals residing in Afghanistan, Cuba, the Democratic Republic of the Congo, Guernsey, Hong Kong, Iran, Iraq, Lebanon, North Korea, Singapore, Sudan, or Syria.
- U.S. to U.S. Affiliated Country Restrictions — Cigna cannot cover U.S. citizens residing in Guam, Puerto Rico, U.S. Virgin Islands, Northern Mariana Islands, or any U.S. Minor Outlying Islands.
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.Â
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.
Maximilian WichelsÂ
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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
Testimonials
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.
