Cigna Global is an international modular health insurance suite of plans for individuals. It has three versions – Silver, Gold and Platinum.
At the centre of each plan is international medical insurance core cover which pays for in-patient and day-patient hospital care, specialist consultations and cancer care. Maximum annual benefit is $1m, $2m and $3m (or £ or € equivalents) respectively for Silver, Gold and Platinum plans). Platinum pays in full for most benefits, while the other two have more limits e.g. on parent accommodation, advanced medical imaging and home nursing.
To the core cover, customers can add any of the following benefits:
* International outpatient. Pays up to $78,000 a year (on Platinum) with again the other two plans having limits on many treatments. Separate deductibles and cost sharing options are available.
* International Medical Evacuation. Pays in full for all versions.
* International Health and Wellbeing. Pays for a range of benefits including regular exams and screening, dietetic consultations and also includes life management (a customer assistance programme). Each version offers different maximum benefits for most benefits.
* International Vision and Dental. Pays for eye tests, glasses/lenses and dental benefits. Maximum benefit is $1,250 (Silver), $2,500 (Gold) and $5,500 (Platinum), with lower limits for any one person covered under the plan.
A range of seven deductibles is available (from $0 to $10,000 a year), together with four cost shares (0%, 10%, 20% and 30%) along with out of pocket maxima ($2,000 or $5,000).
The cost for someone aged 30 living in Abu Dhabi and having a deductible of £250 would be £50.60 a month (Silver), £71.16 (Gold) or £98.83 (Platinum). Additional covers would cost Outpatient (£34.79); Medical Evacuation (£15.81), Health & Wellbeing (£7.59) and Vision and Dental (£20.74). So, Platinum cover would cost £177.76 a month to have all benefits – or an additional £64.71 a month if US cover was required too.
What They Say
Head of global individual private medical insurance, Paul Austin, said: “The new plans give us the ability to provide products which suit a greater footprint of customers and, with the added flexibility of teaming a modular approach with deductible and cost share options, it has become really easy for customers to build a plan which is matched to their needs.”
What We Say
"This is a middle market suite of products, recognising that many people going abroad have at least half an eye on keeping costs low. There is also perhaps a recognition that too many expats are taking a (big) risk and choosing not to have any health cover at all.
"It is possible to have more cover, but international PMI is now expensive for many people. For a lot of people, having a modular plan that allows cover to be tailored to budget will be valuable, while choosing a higher deductible will also have a big influence on cost. Choosing all options will though prove to be expensive."