CIGNA: Global Health Options

CIGNA

The Product

CIGNA’s Global Health Options is a modular international private medical insurance (IPMI) plan built around a core product, which is labelled International Medical Insurance. This covers in and day-patient costs plus cancer treatment, maternity care and psychiatric care (up to 90 days a year). Overall benefits are capped at a total of £2m a year per insured person. The core plan also includes parental accommodation with children up to age 18, transplants (as a recipient), scans, home nursing and rehabilitation up to 30 days a year.

To this basic plan can be added one or more of four benefit options:

  • International Medical Insurance Plus. This covers out-patient treatment up to a total of £50,000 a year.
  • International Emergency Evacuation. This provides evacuation and repatriation cover and includes travel costs for a family member too.
  • International Health and Wellbeing. This pays for screening, tests, examinations and counselling as well as providing other wellbeing benefits. Routine physical examinations are limited to £300 a year.
  • International Vision and Dental. This pays up to £3,500 a year, although there are limits on some items.

Once cover levels have been decided, a range of deductibles is available. For example, on the core plan the available Sterling deductibles are £250, £500, £1,000, £2,000 and £5,000. Plans are denominated in  pounds Sterling, Euros or US Dollars and benefits can be paid in a  wide range of other currencies too.

Quotes can be obtained online.

Pros

  • CIGNA is a major global player with considerable experience in this sector.
  • Modular approach means cover can be tailored to both needs and budget.
  • Generally a good level of benefits is available.

Cons

  • Can be expensive to include all benefits.
  • Some benefit and overall financial limits.
  • Including maternity benefits in the core plan will inevitably mean some degree of cross-subsidy.

RATING:
7.5 out of 10

SELECT THIS FOR... Clients who want to tailor their iPMI cover to meet their needs and budget.

The Company

CIGNA has over 30 years experience in global health insurance. The group has over 60 million customers in 200 countries and jurisdictions worldwide and has a workforce of 30,000.

Contact Details

Website:

Telephone: 01475 492119

The Literature

See website for full details.

What They Say

Phil Austin, head of global iPMI, CIGNA, said: “For CIGNA's customers and their families, wherever they are working, living and travelling around the world, CIGNA is the only company that delivers unrivalled care and access for their healt care needs - ranging from surgery, hospital and outpatient coverage for local citizens to full comprehensive medical coverage for local and globally mobile individuals.

"With a global network of over one million hospitals, health care professionals, clinics and facilities, and over 30 years of experience along with expertise and knowledge as the leading provider of expatriate benefits to major multinational corporations and organizations, CIGNA strives to make a positive difference in customers' lives around the world.”

What We Say

Andy Couchman Andy Couchman

"iPMI can be a complex purchasing decision, with most providers offering a wide choice of options. As an insurer, CIGNA has a very strong global presence, although is less well known in the UK, so it is likely to appeal to international travellers.

"This plan itself is built round a good core plan, although including maternity benefits may effectively mean charging higher premiums for those who do not plan to have children as there will be some cross-subsidy. There are limits on many of the add-on benefits and the base plan itself has a £2m benefit cap. On the plus side, it is good to see another provider paying for parental accommodation with children up to age 18. Overall, this is a strong offering, albeit with little that is revolutionary or significantly different."

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