Updated September 28, 2026 · AssureCue Editorial Team
Cigna Global vs Ottonova
Where Cigna Global and Ottonova differ
| Compare |  Cigna Global |  Ottonova |
|---|---|---|
| Insurance types | Health | Health, DentalCovers more |
| Excess from | $0 | €500 |
| Cover limit | USD 500,000 (Close Care) to USD 2,000,000 (Gold) annual overall benefit maximum per beneficiary per period of cover | Up to 6 months worldwide coverage at no extra charge, unlimited within the European Economic Area |
| Claims channels | Online, Email, Post, Fax, Phone | App, Chat, Email, Phone, Post |
| Premium from | Not confirmed | €284 |
| Age range | 18 and above, no upper age limit | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Cigna Global scores higher overall: 9.4 vs 8.8.
- Cigna Global is licensed in 1 more country.
- Cigna Global is available in 33 more countries.
- Insurance types: only Ottonova offers Dental.
- Claims channels: only Cigna Global offers Online, Fax.
- Claims channels: only Ottonova offers App, Chat.
- Support channels: only Cigna Global offers Help centre.
- Support channels: only Ottonova offers Chat.
- Audience: only Cigna Global offers Seniors.
Our verdict on each
Cigna Global
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.
Ottonova
Ottonova suits expats and employees in Germany who want health and dental cover handled in an app, with monthly premiums from €284. The premium sits above the site median of €8.37, so it is priced for people who value the digital servicing and the worldwide cover limit rather than the lowest price.
Score breakdown
| Area | Cigna Global | Ottonova |
|---|---|---|
| Cost | 9.4HigherMonthly payments are available and the excess starts at $0, though the range stays within health. | 8.4Monthly premium of €284 sits well above the site median of €8.37, with an excess of €500 on top. |
| Offer | 9.1 | 9.2Higher |
| Trust | 9.6Higher | 8.9 |
How they place
| Ranking | Cigna Global | Ottonova |
|---|---|---|
| Health insurance | 46 of 216 | 23 of 216 |
Licences and countries
| Country | Cigna Global | Ottonova |
|---|---|---|
| Germany | Not confirmed | |
| Guernsey | Not confirmed | |
| United Arab Emirates | Not confirmed |
Available in 1 country for both. Additional countries for Cigna Global: 33.
Which one suits you
Pick Cigna Global if trust matter most.
Pick Ottonova if insurance types matter most.
What we checked
Cigna Global
- cignaglobal.com: 12 facts, checked September 26, 2026
Ottonova
- ottonova.de: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Cigna Global | Ottonova |
|---|---|---|
| Audience | Expats, SeniorsCovers more | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | Cigna Global Insurance Company Limited | ottonova Krankenversicherung AG (Amtsgericht München, HRB 227378) |
| Headquarters | Guernsey | Germany |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone |
Where each stands against the rest
| Fact | Cigna Global | Ottonova | Median |
|---|---|---|---|
| Premium from | Not confirmed | €284highest quarter | €6.02 |
Median across 116 listed insurance providers.
Pros and cons
Cigna Global
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.
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.
Ottonova
Pros
- Health and dental cover in one place, listed under health and dental
- Monthly payments are available, with a monthly model
- Claims run through the app, chat, email, phone and post under app, chat and email
Cons
- The starting premium of €284 is far above the site median of €8.37
- An excess of €500 applies
- Support runs on email, chat and phone only, with no branch network listed
Who each suits
Cigna Global
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.
Ottonova
Who it suits
- Expats living in Germany who need treatment covered outside their home market
- Employees covered through a company plan with a monthly payment model
- Anyone who wants dental alongside health cover under health and dental
Who should look elsewhere
- Price-led buyers, since €284 is well above €8.37
- People who prefer a branch or in-person service, as support is limited to email, chat and phone
- Those wanting free policies, unlike bonus.ch at CHF 0
Current offers
Cigna Global
Current offer
Discount code
10% discount on the Cigna Senior bundle: 10% discount
Bundle consists of Cigna Global Health Options silver inpatient core cover, optional outpatient cover including access to complimentary Health and Wellbeing, plus the 10% discount on the chosen plan; for those aged 60 years and above; T&Cs apply.
Source, checked September 26, 2026
Country by country
| Country | Cigna Global | Ottonova |
|---|---|---|
| Argentina | Yes | No |
| Australia | Yes | No |
| Austria | Yes | No |
| Brazil | Yes | No |
| Canada | Yes | No |
| Chile | Yes | No |
| China | Yes | No |
| Costa Rica | Yes | No |
8 of 34 countries where either is available.
Questions about each
Cigna Global
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.
Ottonova
How much does Ottonova cost?+
Premiums start at €284 a month, with monthly payments available on a monthly basis. That starting figure sits above the site median of €8.37, so expect a higher bill than a typical comparison. The cover also carries an excess of €500.
Is Ottonova regulated?+
Ottonova is supervised in Germany by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). It operates as an insurer rather than a broker, so it carries the risk on the policies it issues rather than placing it elsewhere.