Visitors Insurance Quote

Cigna Global Health Options

Long-Term Global Medical Insurance

For expatriates and globally mobile individuals
Worldwide network of over 1 million hospitals and physicians
24 hour access to medical experts
Worldwide inc USA or Worldwide cover available
Outbound – (CIGNA Plan) US citizens Travelling Abroad

Except – Can't be covered while traveling
To Australia,Canada, Japan, Abu Dhabi (UAE), Saudi Arabia,
Afghanistan, Iran, Sudan, Syria, or North Korea
Other options – Please click here – US Citizens Traveling Abroad

No age limits
Indian citizens– Can not be covered if visiting the USA, China & Japan
US citizens can not be covered while traveling to Australia, Japan & Canada.
Inbound – (CIGNA Plan) Indian citizens Travelling Abroad

Except – Can't be covered while traveling
To USA, Australia, Canada, Japan, Abu Dhabi (UAE), Saudi Arabia,
Afghanistan, Iran, Sudan, Syria, or North Korea
Other options – Please click here – Foreign National Visiting USA

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CignaGlobal Saver

Global Medical Insurance is a company that provides coverage of that kind for expatriates and those who do a great deal of traveling around te globe Over a million doctors and hospitals all over the world form a network of providers of Global Medical, whose website provides access to medical experts around te clock for those who are seeking healt-related advice.
Patients of all ages may be covered by Global Medical. Two kinds of coverage are provided., Worldwide and Worldwide Inc USA.
Benefits
The partcular types of benefits. that a patient can receive from Global Medical depend mostly on which of to tree Programs— silver, gold or platinum— that the patient chooses, as does the amount of coverage For instance, hospital charge,for operating theater, drug prescnptons and outpatent surgery are paid in fu11 under all tree programs, as are coronary therapy, high-dependency, units and other forms of intense care, specelist consultant treatment, Kindly dialysis, advanced medical imaging, pathology and the fees of surgeons and anestets. Hospital expenses for in patient, day patient and recovery room treatment are paid in fu11 under the silver program only for semi-private rooms, while gold and platinum pay the fu11 cost of these tings in all cases The patient is expected to pay part of te cost of certain tings out of his or her pocket except under the platnum program For a complete table te amount of coverage prvided each program for each type of treatment, go to Global Medical, Cigna Global Silver page. Prices are given in U S dollars, euros and pounds .
Optional modules
The patient can choose from Intematonal Medical Valuaton, International Vision & Dental and oter optonal modules to construct a plan geared to his or her unique needs
More about the CIGNA Global Silver plan
As mentioned above, te silver plan is the last costly of the three, with the patient having to pay at least part of te expenses that are paid in fu11 in the gold and platinum programs For instance, parental accommodaton, which is available to all eligible dependents of CIGNA beneficiaries who are under te age of eighteen is only paid for up to $1,000 to parents staying at the same hospital as a minor dependent spending te night there This applies in the United States, under the intematonal version, tings like matermity care are not covered by tesilver program at all

Benefits

Your overall limit	Silver	Gold	Platinum
Annual benefit – maximum per benefi ciary per period of cover. This includes claims paid across all sections of Int ernational Medical Insurance.	1,000,000 800,000 650,000	2,000,000 1,600,000 1,300,000	3,000,000 2,500,000 2,000,000

Your standard medical benefits	Silver	Gold	Platinum
Hospital charges for: - nursing and accommodation for inpatient anddaypatient treatment - recovery room.	Paid in full for semi-private room	Paid in full	Paid in full
Hospital charges for: - operating theatre. - prescribed medicines, drugs and dressings for inpatient or daypatient treatment. - treatment room fees for outpatient surgery.	Paid in full	Paid in full	Paid in full
Intensive care - intensive therapy. - coronary care. - high dependency unit.	Paid in full	Paid in full	Paid in full
Parental accommodation This applies to eligible dependent children under the age of 18. Cigna will pay for reasonable costs for a parent staying in the same hospital with the child where the child is required to stay in the hospital overnight. Up to the maximum amount shown per period of cover.	1,000 740 665	1,000 740 665	Paid in full
Surgeons' and anaesthetists' fees Where surgery is provided on an inpatient, daypatient or outpatient basis.	Paid in full	Paid in full	Paid in full
Specialists' consultation fees Paid in full for regular visits by a specialist during stays in hospital including intensive care by a specialist for as long as is required by medical necessity.	Paid in full	Paid in full	Paid in full
Transplant services Where treatment is provided on an inpatient basis	Paid in full	Paid in full	Paid in full
Kidney dialysis Where treatment is provided on an inpatient, daypatient or outpatient basis	Paid in full	Paid in full	Paid in full
Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) Where investigations are provided on an inpatient or daypatient basis.	Paid in full	Paid in full	Paid in full
Advanced Medical Imaging (MRI, CT and PET scans) We will pay for these scans whether received on an inpatient,daypatient or an outpatient basis	5,000 3,700 3,325	10,000 7,400 6,650	Paid in full
Physiotherapy and complementary therapies Where treatment is provided on an inpatient or daypatient basis.	2,500 1,850 1,650	5,000 3,700 3,325	Paid in full
Home nursing Up to 30 days and the maximum amount shown per period of cover.	2,500 1,850 1,650	5,000 3,700 3,325	Paid in full
Rehabilitation Up to 30 days and the maximum amount shown per period of cover.	2,500 1,850 1,650	5,000 3,700 3,325	Paid in full
Hospice stay to receive palliative care Up to the maximum amount shown per lifetime.	2,500 1,850 1,650	5,000 3,700 3,325	Paid in full
Internal prosthetic devices/surgical and medical appliances We will pay for: - prosthetic implant, device or appliance which is inserted during surgery	Paid in full	Paid in full	Paid in full
External prosthetic devices/surgical and medical appliances We will pay for: - a prosthetic device or appliance which is a necessary part of the treatment immediately following surgery for as long as is required by medical necessity. - a prosthetic device or appliance which is medically necessary and is part of the recuperation process on a short-term basis. For adults, we will pay for one external prosthetic device. For children up to the age of 16, we will pay for the initial prosthetic device and up to two replacement devices. Up to the maximum amount shown per period of cover	For each prosthetic device 3,100 2,400 2,000	Paid in full	Paid in full
Local ambulance and air ambulance services Medically necessary travel by local road ambulance or local air ambulance, such as a helicopter, when related to covered hospitalisation	Paid in full	Paid in full	Paid in full
Inpatient cash benefit We will make a cash payment to the benefi ciary when they: - receive treatment in hospital which is covered under this plan; - stay in a hospital overnight; and - have not been charged for their room, board and treatment costs. Per night up to 30 nights per period of cover.	100 75 65	100 75 65	200 150 130
Emergency dental treatment Dental treatment in hospital after a serious accident.	Paid in full	Paid in full	Paid in full

Your psychiatric care	Silver	Gold	Platinum
Psychiatric treatment We will pay for: - treatment of mental health conditions and disorders. - addiction treatment. Whether the beneficiary is staying in a hospital overnight or receiving treatment as a daypatient or outpatient. A combined maximum total of 90 days cover is available in the period of cover,including up to 30 days of inpatient treatment. For daypatient and outpatient treatment,each visit will count as one day. An overall 5 year total limit of 180 days cover will apply, of which a maximum of 60 days can be used for inpatient treatment. Up to the maximum amount shown per period of cover.	5,000 3,700 3,325	10,000 7,400 6,650	Paid in full

Your cancer care	Silver	Gold	Platinum
Cancer Treatment We will pay for active and evidence-based treatment received for, or related to cancer, including chemotherapy, radiotherapy, oncology, diagnostic tests and drugs whether the benefi ciary is staying in a hospital overnight or receiving treatment as a daypatient or outpatient.	Paid in full	Paid in full	Paid in full

Your parent and baby care	Silver	Gold	Platinum
Routine maternity benefit and childbirth cover Available once the mother has been covered by the policy for 10 months or more. Inpatient and outpatient treatment, including hospital charges, obstetricians' and midwives' fees. Up to the maximum amount shown per per iod of cover.	Not covered	7,000 5,500 4,500	14,000 1,100 9,000
Complications from maternity Available once the mother has been covered by the policy for 10 months or more. Inpatient and outpatient treatment for complications resulting from pregnancy. Caesarean sections are only covered when these are required by medical necessity. Up to the maximum amount shown per period of cover.	Not covered	14,000 1,100 9,000	28,000 22,000 18,000
Homebirths Available once the mother has covered by the policy for 10 months or more. Up to the maximum amount shown perperiod of cover.	Not covered	500 370 350	1,100 850 700
Newborn care If at least one parent has been covered by the policy for a continuous period of 10 months or more prior to the newborn's birth. We will not require information about the newborn's health or a medical examination if an application is received by us to add the newborn to the policy within 30 days of the newborn's date of birth. If an application is received after 30 days of the newborn's date of birth, the newborn will be subject to medical underwriting and we will require the completion of a medical health questionnaire whereby we may apply special restrictions or exclusions. If neither parent has been covered by the policy for a continuous period of 10 months or more prior to the newborn's birth and an application is received by us to add the newborn to the policy as a beneficiary. The newborn will be subject to medical underwriting and we will require the completion of a medical health questionnaire. Cover for the newborn will be subject to medical underwriting whereby we may apply special restrctions or exclusions. Up to the maximum amount shown for treatment within thefi rst 90 days following birth	25,000 18,500 16,500	75,000 55,500 48,000	156,000 122,000 100,000
Congenital conditions Where treatment is provided on an inpatient or daypatient basis and the congenital condition manifested itself before the benefi ciary's 18th birthday. Up to the maximum amount shown per period of cover	15,000 3,700 3,325	20,000 14,800 13,300	39,000 30,500 25,000

Your deductible and cost share options	Silver	Gold	Platinum
Deductible (various) A deductible is the amount which you must pay before any claims are covered by your plan.	0 / 375 / 750 / 1,500 / 3,000 / 7,500 / 10,000 0 / 275 / 550 / 1,100 / 2,200 / 5,500 / 7,400 0 / 250 / 500 / 1,000 / 2,000 / 5,000 / 6,650
Cost share after deductible and out of pocket maximum Cost share is the percentage of each claim not covered by your plan. The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover. The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum.	First, choose your cost share percentage: 0% / 10% / 20% / 30% Next, choose your out of pocket maximum: 2,000 or 5,000 1,480 or 3,700 1,330 or 3,325

Overview
Long-Term comprehensive medical plan for individuals and families

Flexible, long-term, annually renewable, worldwide medical insurance program for U.S. citizens living or working abroad and for non-U.S. nationals worldwide.

Highlights:
- Flexible, comprehensive medical coverage
- Coverage for individuals and families
- Four unique plan designs - Silver, Gold, Gold Plus and Platinum
- Optional riders: Global Term Life Insurance, Global Daily Indemnity, Maternity, Terrorism, Sports
- Choose your area of coverage (worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan)
- Select from multiple deductible options
- Coverage for individuals and families
- Family premium covers first two children between 14 days and 9 years at no additional cost for the first year
- Choose from several payment modes
- Multiple underwriting options to fit your needs
- Freedom to choose your provider
- Access to two extensive provider networks
- Emergency Medical Evacuation and other evacuation benefits
- Medical Concierge Program
- Medical professionals to coordinate your care
- 24 hour access to information
Who the plan is designed for:
- Coverage for individuals or families living or working abroad
- Contract employees living and working abroad
- Seniors with dual residencies six months or longer outside the U.S.
Being a citizen of the global community can be an exciting experience, yet one that can pose potential complications. Your health care while abroad should not be one of those concerns. Global Medical Insurance is a revolutionary program from IMG that offers the flexible worldwide coverage you need, backed by the world-class services you expect. Unlike other health care programs on the market, Global Medical Insurance allows you to custom build a plan that is specifically tailored for you.

Global Medical Insurance is designed to meet your total needs. The program offers you the flexibility to select from an assortment of unique benefit options. From the scheduled benefits of the Silver plan option to the benefit-rich Platinum plan option, there are a large variety of specialized coverages to meet any need. To accommodate your financial means, you can customize your length and area of coverage with the flexibility to select from multiple deductibles and modes of payment. With your medical history in mind, the program also provides flexible underwriting methods to extend coverage to you that may be declined by other companies.

Additionally, the program provides world-class services. To maximize the outcome of your medical care, our on-site clinical staff is ready to assist you at a moment's notice, and our extensive global provider networks are quickly and easily accessible. You also have direct access to our Medical Concierge, an unequalled service that provides you with personalized assistance in locating the best provider for your specific needs, while saving you on out-of-pocket and medical expenses. You can also efficiently save time managing routine areas of your account by utilizing our secure, online service tools. In addition, IMG is available for service at your convenience - via phone, email or Live Chat.

You need to know that you have the proper worldwide coverage. When you select Global Medical Insurance, you receive IMG's commitment to deliver exceptional health benefits, medical assistance and service - all designed to give you Global Peace of Mind®.

Coverage Area Options/Budget:

Two coverage areas: Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan - You have the opportunity to select the coverage area that best reflects your geographic area of need. Each provides full coverage, but premiums reflect the cost of care in different parts of the world. Regardless of the coverage area you choose, you maintain the freedom to choose your own provider.

Multiple deductible options - To accommodate your financial resources, you can select from seven different deductible options - all providing different premium levels. Additionally, your deductible can be reduced up to 50% to a $2,500 maximum.

No additional cost for children - No matter the plan option or coverage area you choose, if you are a family, the family premium covers the first two children between 14 days and 9 years at no additional cost for the first year (see Additional Coverage Information). This is a valuable savings for any budget.

Four premium modes - Schedule the frequency of payment that meets your means.
- Annual
- Semi-annual
- Quarterly
- Monthly
Option Riders:

Global Medical Insurance is designed to protect individuals and families from the high cost of medical expenses. In addition to tailored benefits packages, the program offers several optional coverages. You may review and choose any from the following list that meet your needs.

Global Term Life Insurance (Including AD&D)

Provides protection for families following a traumatic loss. Includes Accidental Death and Dismemberment (AD&D) coverage at no additional cost. AD&D is paid in addition to any amount paid by Global Term Life Insurance and can double the amount of the benefit.

Those approved for the plan and under age 70 are automatically eligible for Global Term Life Insurance at the time of application. Global Term Life Insurance is an optional program purchased in units. The number of units applicants may purchase is based upon their age at the time of application and each subsequent renewal. Applicants from age 31 days through 18 years and from 65 through age 69 are eligible for one unit of coverage. Applicants from age 19 through age 64 are eligible for two units of coverage.

Global Daily Indemnity:

Will pay the benefit amount directly to you for each required overnight stay in a hospital. The hospital stay must be eligible for coverage under your plan. Hospital stays related to maternity are not eligible.

Optional Maternity Rider

Available on Silver, Gold and Gold Plus plans only
- $50,000 lifetime maximum
- Maximum of $5,000 for normal delivery for each pregnancy - not subject to deductible or coinsurance
- Maximum of $7,500 for C-section delivery for each pregnancy - not subject to deductible or coinsurance
- Newborn covered for the first 31 days only without additional premium
- $200 child wellness benefit for the first 12 months
- Newborn care and congenital disorders maximum of $250,000 for the first 31 days
- Must be selected at time of initial purchase of plan
- Benefits available after 10 months of continuous coverage
- Eligible newborn children may be added without evidence of insurability as long as an application form is submitted within 31 days of birth
- Benefits will be reduced by 50% for births that occur in the 11th or 12th month of continuous coverage
Terrorism Rider:

Available on the Platinum plan only

If an insured person is injured as a result of an act of Terrorism*, and the insured person has no direct or indirect participation in the act, the plan will reimburse eligible medical claims subject to a $50,000 lifetime maximum.

This benefit does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person's arrival date, and the insured person unreasonably fails or refuses to depart the country or location.

* For limitations and the definition of Terrorism, please see the Certificate Wording.

Gold Plus & Platinum plan Optional Rider:

Sports Rider – Provides up to $25,000 of lifetime coverage for adventure sports such as mountaineering, parachuting, and whitewater rafting. Also provides up to $10,000 of lifetime coverage for amateur sports when not engaged for wage, reward, or profit including contact sports such as soccer and hockey

Flexible Underwriting:

The plan provides flexible underwriting methods to extend coverage to you. Your application may be underwritten by Standard Underwriting or the Flexible Underwriting Rider.

Standard Issuance - There are two levels of underwriting when all medical conditions have been disclosed and they have not been specifically excluded or restricted by a rider (subject to the foregoing limits and the other terms of the plan*).

The Silver, Gold and Gold Plus plan options provide a 50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of $5,000 per period of coverage after coverage has been in effect for 24 continuous months. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period of continuous coverage.

The following illnesses which exist, manifest themselves, are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions and are subject to the waiting period and other limitations of coverage described above: acne, asthma, allergies, tonsillectomy, back conditions, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall bladder or gall stones and kidney stones, any condition of the breast, and any condition of the prostate.

On the Platinum plan option , conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered the same as any illness. Conditions, including any complications therefrom, that are not fully disclosed on the application will not be covered.

Flexible Underwriting Rider - Where you may have otherwise been declined for coverage, the Flexible Underwriting Rider allows us to extend coverage to you. After 24 months of continuous coverage, a disclosed pre-existing condition which has not been specifically excluded by a rider will be covered as any other pre-existing condition so long as in that 24 month period no treatment has been received for that condition. If treatment has been sought or should have been sought, then the 24 month period starts over from the treatment date.
General Exclusions
Pre-existing conditions and exclusions

Exclusions & Limitations*
1. Adult routine physical examinations are excluded under the Silver plan option and for the first 12 months for the Gold, Gold Plus and Platinum plan options
2. Out-patient mental and nervous for the first 12 months on all plan options
3. In-patient mental and nervous is excluded under the Silver plan option and for the first 12 months for the Gold, Gold Plus and Platinum plan options
4. Maternity, newborn and congenital care (unless the maternity rider or Platinum plan option is purchased - see Benefits page by clicking link above) Note: maternity expenses including prenatal, delivery, postnatal, newborn and congenital disorders are excluded when the pregnancy is a result of fertility treatment
5. Organ transplants not specifically listed
6. Devices to correct sight or hearing are excluded under the Silver, Gold and Gold Plus plan options
7. Treatment or supplies not medically necessary
8. Treatment not ordered or received by a physician
9. Treatment by a relative or family member
10. Treatment as a result of war or riot
11. Treatment resulting from illegal activities
12. Organized amateur or professional sports
13. Services and treatment eligible for payment by any government or other insurance
14. Investigational, experimental or research procedures
15. Routine foot care
16. Elective cosmetic or plastic surgery
17. Drug and alcohol abuse treatment
18. Speech therapy
19. Custodial care
20. Weight modification
21. Treatment of impotency
22. Contraceptive medication or treatment
23. Persons HIV+ at effective date
Outside the USA - Network

Click here to ACCESS THE PPO DIRECTORY

Outside the USA – CIGNA have no publicly available list for competitive reasons. CIGNA use a vast network of over 1 million providers globally, comprising of direct agreements and arrangements with local networks. Whilst CIGNA cannot share this list, they do not impose any penalty for using out of network providers outside the US, so this should not be an issue.
CIGNA PPO network in USA