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1. IntroductionCigna Global is a well known brand internationally and when you have a Cigna insurance you can benefit of a vast network of healthcare providers who actively work together with Cigna, also on direct billing. Cigna Global Health Options is not the cheapest international insurance available, but they offer very good and solid administration, quick acceptance procedures and easy and fair cancellation conditions. 2. Characteristics of Cigna Global Health healthcare insurances
3. List of countries which are exempt of coverIf you live in one of the countries listed below you cannot apply for a policy with Cigna:
This list might change. To check whether your country of stay abroad is eligible please check the online module which is always up-to-date. 4. A few important subjects regarding Cigna Global HealthFreedom of choice and pre-approvalWith an insurance of Cigna you can go to any licensed hospital, either private or non-private. When you need to undergo planned hospitalization you need to contact Cigna upfront by phone. This way Cigna can set up direct billing and maybe negotiate cheaper rates. (which helps in the long run to prevent premium increases). Pregnancies and childbirthPregnancy and childbirth is only covered under ‘Gold’ and ‘Platinum’. A waiting period of 10 months applies. During those 10 months immediately after the start date of the insurance no costs for pregnancy and childbirth will be reimbursed by Cigna. A Caesarean is only covered when medically necessary. Reimbursements of costs for pregnancy and childbirth are maximized and to be honest; the maximums amounts are not very high. If you want proper cover for pregnancy and childbirth please fill out our advice form online. We might have better and cheaper solutions, depending on age and nationality. Cover in USAUSA is a very expensive country for healthcare. Medical costs in the USA are only covered at the policy of Cigna if the additional ‘USA cover’ has been added to the policy. If you do not have such a cover included on the policy no medical costs occurred in the USA will be reimbursed (even medical emergencies are not covered!) If you have cover for USA you will need to use contracted care within the network of Cigna. Please contact Cigna at any time you need to see a doctor in the USA. Cover ‘medical evacuation’Cigna offers a quite expensive cover for medical evacuation. This might be a bit confusing, because in the Core plan ‘inpatient cover’ transportation in ambulance / helicopter to another hospital within 160 km is covered already. The separate cover for medical evacuation offers the additional choices:
5. Premium & Cash BackPremium depends on age, country of origin, country of stay abroad, medical history / medical condition, cover and deductible / co-insurance. Cigna offers a lot of options in their web module to personalize your insurance. We ask you to go online, try and see what combination of cover versus deductible and co-insurance fits your needs and your budget. Payment per year or per month?If you want to pay per month you pay an additional fee of 10% on the premium on a yearly basis. So if you choose to pay per year you can save 10% of premium! Beware: if you pay premium per year Cigna could not (fully) return paid premiums when you want to cancel the policy during an insurance year in which you have made medical costs which were already reimbursed by Cigna. CashbackWe offer 50 euro cashback when you issue and accept a policy at Cigna. Please ask us for the conditions to obtain this cashback! 6. Apply for the insurance
Medical acceptance applies. You will have to answer a few questions regarding your medical history and/ or current medical condition. Cigna will decide, based upon the answers, if they want to accept you and if yes, under what kind of conditions. Exclusions or surcharges may apply. In some cases Cigna will not be able to insure you. 7. JoHo Services & ApplicationJoHo Insurances offers several free services:
Get an online quote now 8. Important documents
9. Do you have a question about this insurance?How much does most health insurance cost?The average national monthly health insurance cost for one person on an Affordable Care Act (ACA) plan without subsidies in 2022 is $438.
Who is Cigna's biggest competitor?Cigna Corporation competitors include UnitedHealth Group, CVS Health and Aetna. Cigna Corporation ranks 1st in CEO Score on Comparably vs its competitors.
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