Cigna Global international health insurance for expats
Cigna Global is the individual international plan of Cigna Healthcare, built module by module. It is also the plan for US citizens living outside the United States. We are an EU-regulated broker appointed by Cigna Global: we build the plan with you, handle the application and stay with you at claim time.
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Written and reviewed by Hugo Gonçalves, Founder & Risk Management Specialist at Adler & Rochefort. Degree in Business Management (University of Hertfordshire) and ongoing training at the Chartered Insurance Institute (CII), London.
Key facts
- Core levels: Silver, Gold and Platinum, with optional modules added one by one.
- Area of cover: worldwide excluding the United States, or worldwide including it.
- Accepts US citizens living outside the United States. Allianz Care does not.
- Deductibles from €275 to €7,400 on hospital cover; 10% off when you pay annually.
- Real 2026 premiums: couple aged 55 and 59, worldwide excl. USA, from €15,951 a year.
- To quote: full name, date of birth, nationality, the country where you will live and, for US nationals, the state. No fee to you.
Get your Cigna Global quote
Four details are enough to start. We reply in writing within one working day, with Cigna Global configured for you and, where you are eligible, Allianz Care on the same terms.
Thank you
We will come back to you in writing within one working day.
How Cigna Global is built
- Three levels of core cover: Silver, Gold and Platinum. The core is international medical insurance: hospital stays, specialist treatment in hospital, cancer care and in-patient psychiatric care. Platinum carries the highest annual limit, without a fixed cap.
- Four optional modules: International Outpatient, International Medical Evacuation, International Health and Wellbeing, and International Vision and Dental.
- Area of cover: worldwide excluding the United States, or worldwide including it.
- Deductible and cost-share: you choose a deductible and can add a cost-share percentage with an annual out-of-pocket maximum.
- Maternity is part of Gold and Platinum once the mother has been insured for twelve months.
The strength of the design is flexibility: high core cover with a large deductible for protection against big bills, or a fuller plan with out-patient and dental for everyday use.
The United States in your cover
Including the United States is the single biggest driver of price. Plans that exclude the US still include emergency hospital treatment there, up to €75,000 on Silver and €200,000 on Gold, and paid in full on Platinum. When your country of nationality is inside your area of cover, temporary stays there are covered for up to 180 days per policy year.
US citizens living abroad
Cigna Global accepts US citizens who live outside the United States, which is why it is the plan we configure for American families. We ask for the state where you live or last lived because Cigna needs it for tax purposes. We price worldwide cover with and without the US so you can see what the US element really costs. See also health insurance for US citizens abroad.
What Cigna Global costs: real quotes
Real quotes we obtained for clients in September and October 2026, anonymised, with no deductible.
| Profile | Area of cover | Annual premium, Silver to Platinum |
|---|---|---|
| Couple, 55 and 59, living in Portugal | Worldwide excl. USA | €15,951 to €31,904, all modules, monthly payment |
| Family of five: two adults around 40, three children under 8 | Worldwide excl. USA | €19,769 to €39,634, all modules |
| US couple, 67 and 68, moving to Portugal | Worldwide excl. USA | US$24,597 (Silver), US$35,738 (Gold), US$47,963 (Platinum) |
Indicative premiums before medical underwriting. Your premium is set by the insurer on your own details and confirmed in writing before you commit.
How to bring the premium down
- Leave the United States out of the area of cover.
- Add a deductible: hospital deductibles run from €275 to €7,400 and out-patient deductibles from €110 to €1,100.
- Add only the modules you will use.
- Pay annually: Cigna Global gives 10% off compared with monthly payment.
If the plan is needed for a visa, check the deductible first: some consulates do not accept co-payments, so the plan has to be set up with the visa in mind.
Medical history and underwriting
Cigna Global underwrites on a medical questionnaire and may cover, exclude or load a pre-existing condition. The terms offered for the same history can differ from those of Allianz Care, which is one reason to apply through a broker who can present both.
Frequently asked questions
Can US citizens get Cigna Global?
Yes, provided they live outside the United States. Cigna Global is the international plan we configure for American clients; Allianz Care does not accept US citizens.
Does a plan without US cover pay anything in the United States?
Yes, emergency hospital treatment, up to €75,000 on Silver and €200,000 on Gold, and in full on Platinum.
Can I be treated in my home country?
When your country of nationality is inside your area of cover, temporary stays there are covered for up to 180 days per policy year. International plans do not cover people who live in their own country.
How much can a deductible save?
It depends on age and plan, but the deductible is the main lever on the premium. Hospital deductibles run from €275 to €7,400. We quote with and without one so you can see the difference.
What do you need to quote?
Full name, date of birth, nationality, the country where you will live and, for US nationals, the state. We reply in writing within one working day.