Cigna’s Global Health Options is a modular international private medical insurance (IPMI) plan built around a core product, which is labelled International Medical Insurance. This covers in and day-patient costs plus cancer treatment, maternity care and psychiatric care (up to 90 days a year). Overall benefits are capped at a total of £2m a year per insured person. The core plan also includes parental accommodation with children up to age 18, transplants (as a recipient), scans, home nursing and rehabilitation up to 30 days a year.
To this basic plan can be added one or more of four benefit options:
- International Medical Insurance Plus. This covers out-patient treatment up to a total of £50,000 a year.
- International Emergency Evacuation. This provides evacuation and repatriation cover and includes travel costs for a family member too.
- International Health and Wellbeing. This pays for screening, tests, examinations and counselling as well as providing other wellbeing benefits. Routine physical examinations are limited to £300 a year.
- International Vision and Dental. This pays up to £3,500 a year, although there are limits on some items.
Once cover levels have been decided, a range of deductibles is available. For example, on the core plan the available Sterling deductibles are £250, £500, £1,000, £2,000 and £5,000. Plans are denominated in pounds Sterling, Euros or US Dollars and benefits can be paid in a wide range of other currencies too.
Quotes can be obtained online.
What They Say
What We Say
"iPMI can be a complex purchasing decision, with most providers offering a wide choice of options. As an insurer, CIGNA has a very strong global presence, although is less well known in the UK, so it is likely to appeal to international travellers.
"This plan itself is built round a good core plan, although including maternity benefits may effectively mean charging higher premiums for those who do not plan to have children as there will be some cross-subsidy. There are limits on many of the add-on benefits and the base plan itself has a £2m benefit cap. On the plus side, it is good to see another provider paying for parental accommodation with children up to age 18. Overall, this is a strong offering, albeit with little that is revolutionary or significantly different."