Cigna Global review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Cigna Global is a Guernsey insurer writing health cover for expats and seniors, with an annual overall benefit maximum set per beneficiary per period of cover. The excess starts at $0 and monthly payments are available, so it suits buyers who prefer to spread the premium.
Key facts
- Best for
- Monthly, health-only cover for expats and seniors.
- Insurance types
- Health (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- $0 (Source, checked September 26, 2026)
- Cover limit
- USD 500,000 (Close Care) to USD 2,000,000 (Gold) annual overall benefit maximum per beneficiary per period of cover (Source, checked September 26, 2026)
- Claims channels
- Online, Email, Post, Fax, Phone (Source, checked September 26, 2026)
- Age range
- 18 and above, no upper age limit (Source, checked September 26, 2026)
- Legal entity
- Cigna Global Insurance Company Limited (Source, checked September 26, 2026)
- Headquarters
- Guernsey (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Audience
- Expats, Seniors
- Pricing model
- Monthly
- Official website
- cignaglobal.com
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- TrustpilotLinkedInyoutube.com
Pros and cons
Pros
- The excess starts at $0, the lowest figure in the range.
- Monthly payments are available, so the premium can be spread across the year rather than settled in one payment.
- Claims can be filed through online, email and post, including a paper route for members who keep records offline.
- Joining runs 18 and above, no upper age limit, so there is no upper age limit for members of expats and seniors.
Cons
- The annual overall benefit maximum rises with the plan tier, from Close Care to Gold, so the widest cover carries the higher price.
- The range covers health alone, with no other lines to bundle in.
- Support runs on email, phone and help centre only.
Who it suits
- Expats and relocating households, the two groups named in expats and seniors.
- Older members, since joining runs 18 and above, no upper age limit.
- Anyone who wants a paper claims route: online, email and post covers post and fax as well as online and phone.
Who should look elsewhere
- Good Sam Insurance Agency, which sells auto, home and renters in one place rather than health alone.
- bonus.ch, whose range covers auto, home and life.
- Oney, which pairs health with health, life and gadget.
How Cigna Global compares
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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 is the excess on Cigna Global plans?+
The excess starts at $0, the lowest point in the range. Plans above the entry tier carry a higher figure, so what you pay before cover begins depends on the tier you pick within health cover.
Can I pay monthly?+
Yes, monthly payments are available and the account model is monthly. That suits members who would rather spread the premium across the year than settle it in a single payment, and the same support on email, phone and help centre applies either way.
Who is Cigna Global aimed at?+
It writes for expats and seniors, and joining runs 18 and above, no upper age limit. In practice that means no upper age limit, so a senior moving abroad can still be covered and an expat household can look at one range for members of different ages.
Which regulator supervises Cigna Global?+
The insurer Cigna Global Insurance Company Limited appears in Guernsey under the Guernsey Financial Services Commission and in the United Arab Emirates under the Dubai Financial Services Authority. Which entity stands behind a plan is worth checking before you commit to cover abroad.
How do I make a claim?+
Claims can be filed through online, email and post, so there is an online route and a phone route, plus post and fax for members who keep paper records. Support on email, phone and help centre sits alongside those claims channels.
How much cover do I get?+
The annual overall benefit maximum is set per beneficiary per period of cover, and it moves with the plan: Close Care sits at the lower end of the range and Gold at the upper end. The figure is a plan maximum, not a per-claim amount.
Is Cigna Global an insurer or a broker?+
It is an insurer, listed as insurer, and the contract is written by Cigna Global Insurance Company Limited. The company behind the cover is the one carrying the risk, rather than a site that compares policies on behalf of several providers.
How many health brands are there to compare?+
The health category holds 205 brands, of which 134 are licensed. A Cigna Global quote therefore sits in a wide set of international and local options rather than a short list.
Sources
- cignaglobal.com checked September 26, 2026
Backs: Provider type, Headquarters, Legal entity, Licences
“Our Policies are underwritten by Cigna Global Insurance Company Limited, a private limited company under Guernsey Law”
- cignaglobal.com/individuals-families/international-health... checked September 26, 2026
Backs: Cover limit, Excess from
“Annual overall benefit maximum - per beneficiary per period of cover”
- cignaglobal.com/individuals-families/members/resources/fr... checked September 26, 2026
Backs: Claims channels, Support channels
“send your invoice and claim form to us using any of the following methods ... Online Customer Area, Email ... Fax ... Post”
- cignaglobal.com/international-health-plans checked September 26, 2026
Backs: Age range, Audience, Insurance types
“Available from the age of 18 years old with no upper age limit”
- cignaglobal.com/seniors-health-insurance checked September 26, 2026
Backs: Pricing model, Monthly payments
“Select how and when you'll pay (monthly, quarterly or annually).”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from.