For individuals living abroad for an extended period of time, international health insurance can provide the coverage you need to ensure you have access to high-quality medical care while outside of your home country.
International health insurance policies provided by insurers like Cigna offer flexible coverage and can be customized as necessary to fit your budget, making it easy to get the coverage you need at an affordable rate.
Here’s what you need to know about international health insurance cost, for what you get in your package.
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What is International Health Insurance?
International health insurance provides health coverage for individuals living outside of their home countries for periods longer than six months. In these cases, travel insurance will typically not provide sufficient coverage to meet your medical needs.
The main advantage of international insurance is that it provides health coverage no matter where you are in the world. With an international health policy, you’ll be covered in the country where you live, your home country, and wherever you travel to.
With Cigna Global health policies, you get access to Cigna’s worldwide network of doctors, hospitals, and healthcare providers, making it easy to find high-quality treatment and medical services wherever you are.
What Does it Cover?
The coverage provided by international health insurance typically includes inpatient care, outpatient care, health and wellness, medical evacuation and transportation, and depending on your policy, vision and dental.
Cigna Global health insurance policies can be customized with optional modules as needed to meet your coverage needs. These optional modules include outpatient coverage for consultations, prescriptions, and more, vision and dental coverage, and more.
The benefits and coverage limits offered by Cigna Global policies depend on the plan tier you choose. Plans are available in three tiers: Silver, Gold, and Platinum. Platinum plans offer higher coverage limits and more benefits in exchange for higher premiums.
Who Needs International Health Insurance?
International health insurance is ideal for any person that plans to move outside of their home country for six months or longer. This may include expatriates, students studying abroad, digital nomads, or anyone else that plans to live abroad for an extended period of time.
How Much Does International Health Insurance Cost?
The monthly cost of Cigna Global health insurance policies can start at as little as $100 and average around $350 per month, while annual costs range from $4,000 to $6,000. Plans with lower deductibles, higher coverage limits, and more benefits will have higher premiums.
Costs can vary depending on several factors, including:
- Age
- Medical history
- Area of coverage
- Deductible
- Plan level
- Coverage limits
- Optional benefits
- Home country
For individuals that need to minimize the cost of their health insurance policies, there are several ways to reduce the cost of your premium. Cigna Global plans allow members to adjust their deductible as necessary, which can lower your monthly premium
Moreover, most plans offer two areas of coverage options: worldwide or worldwide excluding the USA. Excluding coverage in the US can cut costs significantly at the expense of not having coverage if you visit the United States. Many insurers also rank countries by medical costs and adjust members’ premiums accordingly.
Cigna Global International Health Insurance
Cigna Global international health insurance policies offer a wide range of benefits to help members get the medical care and treatment they need while living abroad.
These benefits include:
- Adjustable deductibles and cost-share options.
- Coverage for pre-existing conditions.
- Access to 24/7 multilingual support services.
- Inpatient and outpatient care coverage.
- Treatment for mental health conditions, disorders, and addiction.
- An online customer care area that members can use to manage their plans and find important documents.
- Global telehealth services.
- Cancer care, including cancer screening and mental health support.
- Newborn care coverage, including coverage for newborns via surrogacy or adoption.
- Coverage for vaccinations.
Members can choose from three plan tiers, including Silver, Gold, and Platinum, and you can add optional modules to ensure your plan meets your coverage and financial needs.
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International health insurance provides essential medical coverage for any person that intends to move outside of their home country and live abroad for longer than six months. These policies not only offer comprehensive health coverage, but they are also often very affordable and can be customized to meet your financial needs.
At KSA Insurance, we work with individuals in South Carolina and across the southeastern United States to help them find affordable international health plans that meet their coverage needs.
Contact us today to get a quote and learn more about international health insurance.
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