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

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. 

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. 

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. 

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. 

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

Optional Modules in Cigna Global

SilverGoldPlatinum
Annual International Outpatient benefit maximum
Per beneficiary per period of cover
€12,000€25,900Paid 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
Cigna will pay for:

  • Outpatient Physiotherapy
  • Outpatient Occupational therapy
  • Osteopathy and Chiropractic treatment
  • Speech therapy
  • Cardiac and pulmonary rehabilitation
€3,700€7,400
Pre-natal and post natal care
 12-month waiting period
 €2,750€5,500

Infertility Investigations and treatment

  • Up to a maximum of 4 attempts per lifetime. Available to beneficiaries up to 41 years old.

 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

  • Up to a combined maximum of 15 consultations per period of cover
 €1,850€3,700

Durable medical equipment

Adult vaccinations€185
Dental accidents€740
Child and Adolescence Wellbeing health
60+ Care €740€1480
    
SilverGoldPlatinum
International Medical Evacuation Annual benefit maximum
Per beneficiary per period of cover

Crisis Assistance Plus™ Program

  • This program provides time-sensitive advice and coordinated in-country crisis assistance for risks that could impact you when you’re traveling.
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

  • Up to a maximum of 5 trips per lifetime
€1,000€1,000€1,000

Compassionate visit – living allowance costs

  • Per day up to 10 days per visit
€125€125€125
SilverGoldPlatinum

Life Management Assistance program

  • 24/7 access to counsellors for mental and behavioral health support

Mental Health Support Program

  • Up to 20 face to face counseling sessions per condition per period of cover

Telephonic Wellness Coaching

  • Access to a personal wellness coach for lasting lifestyle changes
Routine adult physical examination€165€330€440
    
Cervical cancer screening€165€330
Prostate cancer screening€165€330
Mammograms for Breast cancer screening€165€330
Bowel cancer screening€165€330
    
Bone densitometry€165€330

Dietetic consultations

  • Up to 4 consultations per period of cover
  
SilverGoldPlatinum
Vision Care

Eye Test

  • 1 eye examination per period of cover
€75€150

Expenses for:

  • Spectacle lenses
  • Contact lenses
  • Spectacle frames
  • Prescription sunglasses
€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% refund90% refund
Major restorative
 12-month waiting period
70% refund80% refund

Orthodontic treatment

  • Available up to 18 years old

 18-month waiting period

40% refund50% refund50% 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

  • Per night up to 30 days per beneficiary per period of cover.
€74 €75 €150

Accident and Emergency Room Treatment

  • For necessary emergency treatment.
€370 €740 €1,000
Transplant services

Advanced Medical Imaging (MRI, CT and PET scans)

  • As part of inpatient, daypatient, or outpatient treatment.
€7,400 €12,000

Rehabilitation
Cigna will pay for:

  • Physiotherapy
  • Occupational therapy
  • Cognitive and Speech therapies
  • Cardiac and pulmonary 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

  • As part of inpatient, daypatient, or outpatient treatment.

*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

  • Includes wigs, headbands, and mastectomy bras for cancer patients
$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

  • For beneficiaries who do not have Worldwide including USA coverage. Only includes inpatient and daypatient treatment costs.
€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
 12-month waiting period

  • The newborn may be required to be medically underwritten.
€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. 

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

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. 

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 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

Testimonials

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 Global
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 Global

Cigna Global | Quote Request

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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).

 

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.

 

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.

 

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.

 

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.

 

When it comes to pre-existing conditions, Cigna Global typically handles them in one of four ways:

 

  1. 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.
  2. The pre-existing condition may be excluded from coverage.
  3. 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.
  4. Alternatively, your application may be denied altogether.

 

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.