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Cigna Global review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Cigna Global is an insurer for expats and seniors buying private health cover abroad, paying monthly rather than yearly. Broad benefit limits and a claims network that runs online, by email and by phone suit people who want treatment funded abroad rather than a savings product, and its cost score is 7.8.

Key facts

Best for
Expatriates and overseas retirees who want private health cover abroad, a monthly premium and a high benefit ceiling.
Insurance types
Health↗
Provider type
Insurer↗
Monthly payments
Yes↗
Excess from
$0↗
Cover limit
USD 500,000 (Close Care) to USD 2,000,000 (Gold) annual overall benefit maximum per beneficiary per period of cover↗
Claims channels
Online, Email, Post, Fax, Phone↗
Age range
18 and above, no upper age limit↗
Legal entity
Cigna Global Insurance Company Limited↗
Headquarters
Guernsey↗
Support channels
Email, Phone, Help-centre↗
Audience
Expats, Seniors
Pricing model
Monthly
Official website
cignaglobal.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
TrustpilotLinkedInyoutube.com

Pros and cons

Pros

  • The annual overall benefit maximum per beneficiary per period of cover runs from the Close Care level to the Gold level, so higher plans pay more
  • The excess starts at $0, so the cheapest setting leaves nothing to pay before a covered claim is settled by the insurer
  • Monthly payments are available, so members can budget treatment cover in instalments across the year instead of a large annual payment
  • Claims can be submitted online, email and post, giving members several routes to file a claim without visiting an office

Cons

  • Cover is limited to health, so a policy with this insurer does not also cover life, motor or property risks
  • Support runs on email, phone and help centre, with no live chat listed among the ways to reach the insurer for help
Cigna Global

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Scored 9.3 / 10 by SumCue.

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Who it suits

  • Expats living outside their home country who need private treatment abroad and want the insurer to fund it
  • Seniors who want a plan that keeps them covered past retirement, with 18 and above, no upper age limit on who can join
  • Anyone who prefers a monthly premium to paying for a full year of cover in a single payment

Who should look elsewhere

  • People after life cover, who would find life insurance listed with Linxea instead of health cover from this insurer
  • Drivers and homeowners, for whom Euroasia Insurance lists auto, home, travel and gadget cover in auto, home and travel
  • Borrowers rather than savers, since Oney Préstamos ES sits in a different market with health, life and gadget lines in health, life and gadget

Deposit protection

Cigna Global is an insurer rather than a deposit taker, and insurer is the whole model: it underwrites the risk itself and pays claims from its own reserves. The licensed entity is Cigna Global Insurance Company Limited, headquartered in Guernsey and regulated there by the Guernsey Financial Services Commission. A policyholder holds a contract here, not a balance, so no deposit protection scheme is involved.

The company behind it

Cigna Global Insurance Company Limited is the legal entity, based in Guernsey and regulated there by the Guernsey Financial Services Commission, with a second licence from the Dubai Financial Services Authority. Members are served through email, phone and help centre, and the plans on offer target expatriates and seniors living outside their home country.

How Cigna Global compares

Where Cigna Global is available

Available
Argentina, Australia, Austria, Brazil, Canada, Chile, China, Costa Rica, Egypt, France, Germany, Greece, Guernsey, India, Indonesia, Ireland, Italy, Japan, Kuwait, Mexico, Netherlands, Philippines, Portugal, Singapore, South Africa, Spain, Sweden, Switzerland, Thailand, Turkey, United Arab Emirates, United Kingdom, United States, Vietnam
Licence in Guernsey
Guernsey Financial Services Commission, checked September 26, 2026
Licence in United Arab Emirates
Dubai Financial Services Authority, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Cigna Global actually cover?+

Private health insurance is the only line it writes, listed as health. There is no life, motor or property cover from this provider, so anyone who wants a bundled policy needs a separate insurer for the other risks. The plans are built for treatment costs rather than savings.

How much can a plan pay out?+

The annual overall benefit maximum per beneficiary for a period of cover runs from the Close Care level to the Gold level, and the plan you pick decides the ceiling. Higher limits suit members whose treatment abroad could be expensive, so the cover limit is worth checking against the cost of care in the country of residence.

Is there an excess to pay?+

The excess starts at $0, so on the lowest setting there is nothing to pay before a covered claim is settled. Plans with a higher benefit ceiling or a tighter network may set a different figure, so the plan table is the place to check the exact excess for the cover chosen.

Can the premium be paid monthly?+

Yes, monthly payments are available, and monthly lists the monthly model for the seniors health plans. Spreading the cost across the year suits members who prefer to budget in instalments rather than settle a large annual premium up front.

How do I make a claim?+

Claims can be submitted online, email and post, so members can file online, by email or by post as well as by phone, with a help centre for guidance. Having the invoice and referral paperwork ready before contacting the insurer helps a claim move through settlement.

Who is the insurer and who regulates it?+

The legal entity is Cigna Global Insurance Company Limited, with its headquarters in Guernsey. The Guernsey Financial Services Commission regulates it in Guernsey, and the Dubai Financial Services Authority licenses the group as well, which is what supports plans sold outside the home market.

What will a plan cost each month?+

Cigna Global does not publish a single starting premium, so the price depends on the plan chosen and the circumstances of the member. For reference, starting premiums for health plans listed on the site sit at €9.14, and the ranking covers 200 brands.

Is this a deposit account I can take money from?+

No. Cigna Global is an insurer, listed as insurer, which means it covers treatment costs rather than holding savings on an account. A policy pays claims for covered care instead of returning a balance, and there is nothing to withdraw at the end of the term.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

Cigna Global

Cigna Global

Expatriates and overseas retirees who want private health cover abroad, a monthly premium and a high benefit ceiling.

9.3/10See alternatives