Cigna Global expat insurance: what their own site publishes

Everything below comes from Cigna Global's own plans-in-detail page at cignaglobal.com, checked on 11 August 2026. We have not used review sites, forums or comparison blogs, and we make no claim about how any consulate or immigration office treats any provider. That is not data we have.

Cigna Global publishes four plan levels: Close Care, Silver, Gold and Platinum. The overall limit on their benefit table, which they describe as covering claims paid across all sections of the policy rather than one benefit at a time, is $500,000 on Close Care, $1,000,000 on Silver, $2,000,000 on Gold, and paid in full on Platinum.

Two dates on that page are worth noting before you rely on any of it. The benefit table states that it applies to annual policies commencing or renewing on or after 15 February 2026, and Cigna adds that the benefits described may be subject to change. Their policies are underwritten by Cigna Global Insurance Company Limited, a Guernsey company regulated by the Guernsey Financial Services Commission, and the site itself is provided by Cigna European Services (UK) Limited.

The four levels are not four sizes of one plan. Silver, Gold and Platinum all show inpatient and daypatient treatment paid in full in a private room. Close Care shows a semi-private room instead, with kidney dialysis capped at $5,000 and emergency inpatient dental treatment at $2,500, and it carries no coverage against several rows the other three do cover.

Area of cover is a separate choice from plan level. One row in their table applies specifically to members who do not hold Worldwide including USA coverage, and it is limited to inpatient and daypatient treatment costs. In plain terms, treatment in the United States is priced as its own decision on that page rather than assumed in by default.

Cigna groups its buyers on the same page: global professionals, which their copy stretches from new overseas assignees to long-term expats to digital nomads, then families, retirees and students. If you are moving as a household rather than alone, that grouping is the part to read slowly, because family pricing and children's benefits sit behind the quote rather than on the public page.

This is the one part of Cigna's table that is identical across all four plans, which makes it the easiest thing to hold against another quote. As published on 11 August 2026, the deductible options are $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000. Cost share, which their page defines as the percentage of each claim not covered by the plan, can be set at 0%, 10%, 20% or 30%. You then choose an out-of-pocket maximum of either $2,000 or $5,000.

The point that matters for a visa file is that a deductible is a setting you choose, not a fixed property of a brand. Two people can hold the same named plan and produce very different certificates. Several countries read a deductible on core cover differently from zero, and that is a document question rather than a brand question. We cover which countries care and how it appears on paper in the guide to no-deductible visa health insurance.

Nothing, as of 11 August 2026. Their plans-in-detail page carries no premium table and no example household. It routes you to an online quote, a callback request or a phone number, and it notes that prices are displayed in US dollars, with benefit limits available in euros and pounds in the sales brochure. We are not going to estimate a figure on their behalf. If you want a Cigna number, their own quote is the only honest source of it.

That is a normal way for a global insurer to sell, and it is worth understanding before you start comparing. It means any "Cigna costs X" figure you find on a third-party page was produced from someone else's age, someone else's country of residence, someone else's area of cover and someone else's deductible. It is not a rate you can carry across to your own case.

We cannot tell you whether a consulate will accept a Cigna certificate, and nobody outside that consulate can. What we can tell you is what a certificate has to survive: the exact wording printed on the document, the right product category (residence cover rather than travel cover), a fit with the specific rule of the country you are applying to, and a duration and territory that match the visa you are asking for.

We are not going to re-argue that method here, because it already has a home. The full version is in how to compare international health insurers for a visa, and the five-criteria checklist sits in best expat health insurance for a visa.

Applied to Cigna, the useful questions are not about brand strength. They are: can I see the certificate wording in writing before I pay, does the area of cover I selected include the country on my application, and does the deductible I selected appear on the certificate.

For balance, our own side with the same lack of spin. Our published rate card for an adult aged 18 on the EU region, paid annually, is Essential $392, Major Medical $721, Standard $1,133, Comprehensive $1,525 and Fully Comprehensive $1,906. Children aged 0 to 17 are charged one flat rate per plan, which is the number that usually decides a family case. See what the price actually buys for what sits behind each tier.

The honest limits, stated up front rather than in a policy appendix: pre-existing conditions are excluded, treatment is covered worldwide excluding the United States, and there are age caps at 70 on the health plans and 80 on Essential.

So if your case needs cover that includes treatment in the United States, or a benefit ceiling above what our tiers carry, or you are older than our caps allow, a global plan with a worldwide-including-USA area of cover is built for something ours is not. We would rather say that than argue you into the wrong product.