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International Health Insurance for wherever life takes you

Award winning International Health Insurance for Individuals and families living abroad

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• United Kingdom
• United States
• ===========
• Afghanistan
• Aland Islands
• American Samoa
• Antigua and Barbuda
• Bosnia and Herzegovina
• British Indian Ocean Territory
• Brunei Darussalam
• Burkina Faso
• Cayman Islands
• Central African Republic
• Christmas Island
• Cocos (Keeling) Islands
• Congo, DR of
• Cook Islands
• Cote d'Ivoire
• Cyprus Northern
• Czech Republic
• Dominican Republic
• El Salvador
• Equatorial Guinea
• Falkland Islands
• Faroe Islands
• Federated States of Micronesia
• French Guiana
• French Polynesia
• French Southern Territories
• Guinea-Bissau
• Heard Islands and McDonald Islands
• Holy See (Vatican City State)
• Isle of Man
• Lao Peoples Democratic Republic
• Libyan Arab Jamahiriya
• Liechtenstein
• Marshall Islands
• Nagorno-Karabakh
• Netherlands
• Netherlands Antilles
• New Caledonia
• New Zealand
• Norfolk Island
• North Korea
• Northern Mariana Islands
• Papua New Guinea
• Philippines
• Pitcairn Islands
• Puerto Rico
• Saint Barthelemy
• Saint Helena, Ascension and Tristan da Cunha
• Saint Kitts and Nevis
• Saint Lucia
• Saint Martin
• Saint Pierre and Miquelon
• Saint Vincent and the Grenadines
• Sao Tome and Principe
• Saudi Arabia
• Sierra Leone
• Solomon Islands
• South Africa
• South Georgia and the South Sandwich Islands
• South Korea
• South Ossetia
• Svalbard and Jan Mayen
• Switzerland
• Timor-Leste
• Transnistria
• Trinidad and Tobago
• Turkmenistan
• Turks and Caicos Islands
• UAE-Abu Dhabi
• UAE-Fujairah
• UAE-Ras al-Khaimah
• UAE-Sharjah
• UAE-Umm al-Quwain
• United States Minor Outlying Islands
• Virgin Islands (British)
• Virgin Islands (US)
• Wallis and Futuna
• Western Sahara

What is International Health Insurance?

An international health insurance plan gives you access to private health care services across the globe..

Cigna’s health insurance policies are flexible to suit your needs and budget: you can choose from a range of cover levels and personalization options to find the right plan for you. Our plans cover treatment for both emergency and routine healthcare, and provide you with flexibility in terms of choice of doctor and treatment facility.

How does International Health Insurance work?

With cigna's international health plans, you can access private healthcare providers anywhere within your region of travel..

This means you don't have to rely on local, public health care systems, which may not meet your needs. You also avoid surprise health care bills and instead pay a regular, predictable premium. If you do need to claim, we can often pay the provider directly.

International Health Plans for:

Global Professionals

From new overseas assignees, to seasoned expats, to digital nomads, we’ve got your healthcare covered.

Our family-friendly plans are crafted to address the health and well-being needs of you and your loved ones.

Comprehensive health plans designed for your retirement abroad, leaving you free to live life to the full, wherever that may be.

Ensure your healthcare needs are met during one of life’s most exciting adventures - studying abroad.

Get a quote, quickly.

It shouldn't take a whole lunch break to get a health insurance quote. We'll give you an idea of your price in 2 minutes.

Frequently Asked Questions

How do i get international health insurance.

With Cigna, it's easy to start building your international health insurance plan. To find the right cover for you, start by getting a quote online. You’ll be asked a few basic questions like who to cover, where you're based, and how long you'd like the cover for. You'll receive an indication of price straight away and one of our team-members will be in touch to answer any questions and set up cover over the phone.

What's the difference between international health insurance and travel insurance?

International health insurance policies are designed for people living or working overseas long term. It covers treatment for both emergency and routine health care, and provides expats with flexibility in terms of choice of doctor and treatment facility, with the ability to receive treatment anywhere within their region of cover. A travel insurance policy is designed to cover short trips abroad, such as a holiday or business trip. This kind of insurance only offers short term cover for medical emergencies, and some non-medical benefits like cover for lost luggage or trip disruptions.

Why do expats need insurance?

The quality of health care can vary widely around the world. The quality of care in your new country may not be to the standard you were used to back home. In addition, as a foreign national, you and your family may not be entitled to any free or subsidized health care. It is therefore important to consider an expat health plan to provide for the health care needs of you and your family.

What does expat health insurance cover?

A Cigna expat health insurance policy is flexible to your needs. Start with one of our core insurance policies - these provide protection for essential hospital stays and treatment. Surgeon and consultation fees and hospital accommodation are also covered. Inpatient, outpatient and cancer treatments are also provided for. In addition, our Gold and Platinum core policies offer levels of cover for routine maternity needs.

You can tailor your policy with a range of optional benefits. International Outpatient provides you with more extensive outpatient cover including doctor’s visits and prescriptions. In addition, you can add medical evacuation, health and well-being and vision and dental benefits to your policy.

How much does expat health insurance cost?

The cost of health insurance will vary by plan and insurer. Some insurers might offer you cheap plans, but the cover they provide may be significantly less. At Cigna we work hard to ensure that we keep our levels of cover high and prices down. Our plans are flexible and tailored to you.

What countries can international health insurance cover me for?

You can choose to be covered anywhere in the world. And your cover travels with you, whether you're moving between two countries or travelling more extensively.

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Cigna Global Health Insurance Plan offers comprehensive Worldwide coverage. Customizable with three levels to choose from, four optional add-ons and flexible payment options.

How to create your plan : 1. Select your Core Plan: - You have three currencies to choose from: US Dollars, Euro or Sterling - Select your payment frequency: monthly, quarterly (3% discount) or annually (10% discount) - Select your deductible for the Core plan (this is the amount you must pay towards your cost of treatment until the deductible for the period of cover is reached). - Select your Core Plan: Silver, Gold or Platinum (All of core plans cover hospital stays and treatments. Surgeon and consultation fees and hospital accommodation are also covered.) - You can also change the Cost Share of the Core Plan. Cost Share is the percentage you must pay toward your cost of treatment. It is subject to Out of Pocket Maximum (OOP Max). OOP Max is the maximum amount of cost share you have to pay per period of coverage. 2. Add optional modules: - International Outpatient (Consultation with medical practitioner and specialist that does not require overnight hospital admission, diagnostic tests, prescribed drugs, durable medical equipment and more). - International Vision & Dental (Preventative, routine and major dental treatments; Routine eye examination and cost for glasses & lenses). - International Evacuation & Crisis Assistance Plus (Medical evacuation in the event of an emergency & global crisis response service). - International Health & Wellbeing (A broad range of tools to manage your day-to-day health and wellbeing, including preventative cancer screening, emotional support councillors and wellness coaches). 3. Manage your premium: You have the flexibility to adjust your premium by choosing a Deductible and/or Cost Share.  If you choose an annual or quarterly payment for your plan, your premium will be slightly lower than paying monthly.

CORE PLAN  BENEFITS :

*Day limit only applies to inpatient and daypatient treatments. ** For treatment incurred in either Hong Kong or Singapore, this benefit is only available once the mother has been a beneficiary under this policy for a continuous period of at least 24 months or more.

Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change.  Please see the Customer Guide for full details. 

OUTPATIENT (OPTIONAL MODUL) :

VISION & DENTAL (OPTIONAL MODUL) :

EVACUATION AND CRISIS ASSISTANCE PLUS (OPTIONAL MODUL) :

HEALTH & WELLBEING (OPTIONAL MODUL) :

Why choose Cigna Global Health Plan:  

• Experience: with roots in healthcare as deep as 225 years, Cigna is a globally recognised and trusted health services company.
• Global network: over 1.65 million partnerships, including 175,000 mental and behavioural health care providers, and 14,000 facilities and clinics in over 200 countries and jurisdictions , Cigna specialise in delivering international healthcare with leading medical providers across the globe to give you peace of mind.
• Comprehensive coverage: Global Health plan covers treatment for both emergency and routine health care, and provides expats with flexibility in terms of choice of doctor and treatment facility, with the ability to receive treatment anywhere within their region of cover.  Benefits include inpatient, daypatient and emergency cover, mental health care, pandemic cover and cancer care.
• 24/7 Support: Customer Care team is available for you 24/7 and they aim to answer your call within 20 seconds. Multicultural team can assist you in many languages.
• Direct payments for eligible claims: Cigna can liaise directly with your treatment provider to arrange direct billing by issuing a guarantee of payment.  If you’ve paid your hospital, clinic or medical practitioner yourself, submit your invoice online, via email, fax, or post. Claims usually are paid within 5 working days after receiving all necessary documentation. NOTE: You are responsible for paying any deductible or cost share directly to the hospital, clinic, medical practitioner or pharmacy at the time of treatment.
• Technology: With access to the secure online Customer Area, you will be able to: Access care and easily find local medical providers; Manage your policy and submit and track claims; Contact Cigna through a live chat, by messaging, or by arranging a callback. The Travel Information Portal offers global travel advice, country profile, real time alerts and health threats, including pandemic and epidemic.
• Predictable premiums: Cigna Global Health plans are designed for people living or working overseas long term. Be aware of low introduction premiums offered in other markets! Their price can escalate significantly at time of renewal and make your health plan unaffordable after the first year of enrollment. Cigna uses their scale and years of experience to secure affordable and predictable premiums at times of policy renewals.
• Out of Area Emergency Hospitalization - up to 21 days per trip to a maximum of 60 days per year when you travel outside of your selected area of coverage. When your country of nationality is within the selected area of coverage, temporary visits to your country are covered up to 180 days per policy year.
• COVID-19 and other pandemics: Cover for medically necessary treatment for disease or illness resulting from a pandemic (including COVID-19), epidemic or outbreak of infectious illness at your selected area of coverage.

  Who can apply:  

• Local and Global Coverage - the freedom to access treatment wherever you are, through our worldwide network of over 1.65 million trusted hospitals, clinics and medical professionals.
• Flexibility, Choice and Portability - allowing you to create a plan that suits your needs and budget and one that moves with you, in over 200 countries and jurisdictions.
• 24/7 Support for Mind and Body - extensive core cover and the resources, tools and programs to look after your physical health, mental health and emotional wellbeing.
• Digital Health at your fingertips - innovative tools, including the Cigna Wellbeing™ app and Global Telehealth for multilingual access to care anytime, from anywhere.
• Maternity and New-born Care - cover for routine, and complicated maternity inpatient and outpatient care and new born care for the first 90 days.
• Fertility - covered on our Platinum plan, infertility investigation and fertility treatment.
• Child and Adolescence Wellbeing - health checks, development assessments and mental healthcare, including Autism and ADHD.
• COVID-19 and other pandemics - cover for medically necessary treatment for disease or illness resulting from a pandemic, epidemic or outbreak of infectious illness.
• 60+ Care (Gold and Platinum plans) - cover for the following pre-existing conditions: Hypertension, Type 2 Diabetes, Glaucoma, Arthritis, joint or back pain, Osteoporosis/ Osteopenia.
• Chronic Condition program gives you ongoing support for a chronic condition, through a case manager that will monitor and evaluate your condition and treatment plan.
• Cancer care is paid in full across all our core plans. Cancer screenings are also covered under the International Health and Wellbeing add on.
• Affordable coverage for students abroad.
• Mental Health Support.
• Emergency coverage for unexpected injuries.
• 24/7 multilingual Customer Service.

Cancellations and Refunds:

This policy is an annual contract. This means that, unless it is terminated earlier, the cover will end 1 year after the start date. This is not a short-term contract. You have a statutory right to cancel your policy within 14 days from the date you receive this policy and receive a full refund (unless there is a claim paid or a guaranteed of payment has been issued). If you want to terminate this policy after the 14 days free look period, you may do so at any time by giving Cigna at least 14 days’ notice in writing. Termination will take effect 14 days after the request. If the policy is terminated, before the end date, and there is a claim paid or a guarantee of payment has been issued during the period of cover, you will be liable for the remainder of any premiums in respect of the policy which are unpaid. If your annual premium is collected at intervals throughout the policy year, you will be responsible for making these payments for the remainder of the period of cover or alternatively, settle the outstanding premium amount.

Claims: Contact the Customer Care team prior to treatment. You can reach them 24 hours a day, 7 days a week via live chat on your secure online Customer Area on  www.cignaglobal.com , email at [email protected] or phone: - International:   +44 (0) 1475 788 182 - USA:   800 835 7677 (toll free) - Hong Kong: 2297 5210 (toll free) - Singapore: 800 186 5047 (toll free)

The easiest way to do this is via your secure online Customer Area. Claims forms and invoices should be submitted as soon as possible after any treatment.  If they are not submitted within 12 months of the date of treatment, the claim will not qualify for payment or reimbursement. 

How to submit claims: - Your secure online Customer Area on  www.cignaglobal.com - Email: [email protected]    - Fax:  +44 (0) 1475 492 113 (Outside the USA); 855 358 6457 (Inside the USA) - Post: For Treatment Incurred: • In the USA: Cigna International PO Box 15964 Wilmington Delaware 19850 USA  • In Hong Kong: 16/F, International Trade Tower 348 Kwun Tong Road Kwun Tong Kowloon Hong Kong SAR • In Singapore: 152 Beach Road #33-05/06 The Gateway East Singapore 189721 • Outside of the USA, Hong Kong, or Singapore:1 Knowe Road Greenock Scotland PA15 4RJ

Exclusions:

The following exclusions apply to the International Medical Insurance plan and to all of the extra coverage options. Please also refer to the list of benefits detailed in the Customer Guide, including the notes section for any further restrictions and exclusions that apply, in addition to the General Exclusions. Please also refer to your Certificate of Insurance for any special exclusions that may apply. 1. Treatment which is provided by: a) a medical practitioner who is not recognised by the relevant authorities in the country where the treatment is received as having specialist knowledge of, or expertise in, the treatment of the disease, illness or injury being treated; b) a medical practitioner, therapist, hospital, clinic, or facility to whom Cigna have given written notice that we no longer recognise them as a treatment provider. Details of individuals, institutions and organisations to whom we have given such notice may be obtained by calling our Customer Care Team; or c) a medical practitioner, therapist, hospital, clinic, or facility which, in our reasonable opinion, is either not properly qualified or authorised to provide treatment, or is not competent to provide treatment. 2. Treatment for: a) a pre-existing condition; or b) any condition or symptoms which result from, or are related to, a pre-existing condition. Cigna will not pay for treatment for a pre-existing condition of which the policyholder was (or should reasonably have been) aware at the date cover commenced, and in respect of which we have not expressly agreed to provide cover. 3. Preventative treatment, including but not limited to health screening, routine health checks and vaccinations (unless that treatment is available under the International Medical Insurance plan or one of the options for which a beneficiary has cover). Under the International Medical Insurance plan, the limits of cover for preventative surgery in respect of congenital conditions will apply, other than for cancer. 4. Treatment which is provided by anyone who lives at the same address as the beneficiary, or who is a member of the beneficiary’s family. 5. Treatment which is necessary as a result of conflict or disaster including but not limited to: a) nuclear or chemical contamination; b) war, invasion, acts of terrorism, rebellion (whether or not war is declared), civil war, commotion, military coup or other usurpation of power, martial law, riot, or the act of any unlawfully constituted authority; c) any other conflict or disaster events; where the beneficiary has: i) put him or herself in danger by entering a known area of conflict (as identified by a Government in your country of nationality, for example the British Foreign and Commonwealth Office); ii) actively participated in the conflict; or iii) displayed a blatant disregard for their own safety. 6. Any treatment outside your selected area of coverage, unless the treatment can be covered under the ‘Out of Area Emergency Hospitalisation Cover’ conditions. 7.  Travel costs for treatment including any fares such as taxis or buses, unless otherwise specified, and expenses such as petrol or parking fees. 8.  Any expenses for ship to shore evacuations. 9.  Treatment in nature cure clinics, health spas, nursing homes, or other facilities which are not hospitals or recognised medical treatment providers. 10. Charges for residential stays in hospital which are arranged wholly or partly for domestic reasons or where treatment is not required or where the hospital has effectively become the place of domicile or permanent abode. 11.  Costs of hospital accommodation for a deluxe, executive or VIP suite. 12.  Any prosthetic device or appliance, including but not limited to hearing aids and spectacles (unless the International Vision & Dental module is selected) which is not medically necessary and/or does not fall within our definition of prosthetic device(s). 13. Incidental costs including newspapers, telephone calls, guests’ meals and hotel accommodation. 14. Costs or fees for filling in a claim form or other administration charges. 15. Non-medical admissions or stays in hospital which include: a) treatment that could take place on a daypatient or outpatient basis; b) convalescence; c) admissions and stays for social or domestic reasons e.g. washing, dressing and bathing. 16. Life support treatment (such as mechanical ventilation) unless such treatment has a reasonable prospect of resulting in the beneficiary’s recovery, or restoring the beneficiary to his or her previous state of health. 17. Foetal surgery, i.e. treatment or surgery undertaken in the womb before birth, unless this is resulting from complications arising through maternity and shall be subject to the limits detailed in the Complications from Maternity benefit under the International Medical Insurance plan. 18.  Footcare by a Chiropodist or Podiatrist. 19. Treatment for, or in connection with, smoking cessation. 20.  Treatment that arises from, or is in any way connected with attempted suicide, or any injury or illness that the beneficiary inflicts upon him or herself. 21.  Developmental problems, treatment for personality and/or character disorders, including but not limited to: a) learning difficulties such as dyslexia; b) physical development problems such as short height; c) affective personality disorder; d) schizoid personality disorder; or e) histronic personality disorder. 22.  Disorders of the temporomandibular joint (TMJ). 23. Treatment for a related condition resulting from addictive conditions and disorders. 24. Treatment for a related condition resulting from any kind of substance or alcohol use or misuse. 25. Treatment needed because of, or relating to, male or female birth control, including but not limited to: a) surgical contraception, namely: - vasectomy, sterilisation or implants; b) non-surgical contraception, namely: -  pills or condoms; c) family planning, namely: - meeting a doctor to discuss becoming pregnant or contraception. 26. Treatment by way of the intentional termination of pregnancy, unless the pregnancy endangers a beneficiary’s life or mental stability. 27. Treatment for sexual dysfunction disorders (such as impotence) or other sexual problems regardless of the underlying cause. 28. Treatment which is intended to change the refraction of one or both eyes, including but not limited to laser treatment, refractive keratotomy and photorefractive keratectomy. Note that we will pay for treatment to correct or restore eyesight if it is needed as a result of a disease, illness or injury (such as cataracts or a detached retina). 29. Gender reassignment surgery, including elective procedures and any medical or psychological counselling in preparation for, or subsequent to, any such surgery, unless state or federal law requires such coverage. We will cover medically necessary behavioural health services, including but not limited to, counselling for gender dysphoria and related psychiatric conditions (such as anxiety and depression) and medically necessary hormonal therapy. 30. Treatment which is necessary because of, or is any way connected with, any injury or sickness suffered by a beneficiary as a result of: a) taking part in a sporting activity at a professional level; b) taking part in a hazardous sporting activity or hobby, including but not limited to off-piste winter sports, base jumping, tombstoning or cliff jumping, mountaineering or rock climbing, potholing, motorsports, equestrian sports (for instance horse racing or jumping, polo, or hunting), bull riding or bull running, parkour; c) solo scuba-diving; or d) scuba-diving at a depth of more than thirty (30) metres unless the beneficiary is appropriately qualified (namely PADI or equivalent) to scuba-dive at that depth. 31. Treatment which (in our reasonable opinion) is experimental, or has not been proven to be effective. This includes but is not limited to: a) treatment which is provided as part of a clinical trial; b) treatment which has not been approved by the relevant public health authority in the country in which it is received; or c) any drug or medicine which is prescribed for a purpose for which it has not been licensed or approved in the country in which it is prescribed. 32. Any form of cosmetic or reconstructive treatment and any complication thereof, the purpose of which is to alter or improve appearance even for psychological reasons, unless that treatment is medically necessary and is a direct result of an illness or an injury suffered by the beneficiary, or as a result of surgery. 33. Treatment that is in any way caused by, or necessary because of, a beneficiary carrying out an illegal act.

Cigna will not offer cover or pay claims when it is illegal for us to do so under applicable laws. Examples include but are not limited to, exchange controls, local licensing regulations or trade embargo.

In accordance with clause 19, Cigna will not cover any beneficiaries or pay claims in jurisdictions when doing so would violate applicable trade restrictions, including but not limited to: restrictions imposed by the United States Department of Treasury’s Office of Foreign Assets Control; the European Union Commission, or; the United Nations Security Council Sanctions Committees.

IMPORTANT NOTE: The product-related information on this website is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please see the policy booklet at the download section below. Please read and understand your policy before you travel.

Cigna Global Health Policy Rules PDF

Cigna Global Health Customer Guide PDF

Cigna Global Health Brochure PDF

Please, CONTACT US for more information or to apply for CIGNA Global Health plan.

International Health Insurance from Cigna

International health insurance that meets your every need:

• 24/7 access to multi-lingual service centers
• Global network of 1.5 million hospitals and healthcare professionals
• Access to medical support in over 200 markets and territories
• Quote in 2 minutes, buy online in under 10 minutes

International Health Plans for:

Global professionals

About Cigna’s international health insurance plans

Whatever your health insurance needs, our International Medical Plans can be tailored to meet them, while always offering a global support network of hospitals and medical professionals.

Whole health is a new way to think about care that allows Cigna to look at the full picture. To widen its scope, to acknowledge the full spectrum of factors that make up who you are and how you feel at any given time. So that, ultimately, we can help people live their lives in full – the good, the bad and every moment in between, knowing that you are supported in every aspect of your world.  

All our plans offer:

• Medical care essentials, including hospitals stays and treatments
• Flexible plans tailored to your needs and budget
• Priority access to support from Cigna doctors and nurses
• Whole health care support through a range of tools, product and solutions
• Digital portal to securely store important documents

Cigna Whole Health..

..is a new way of redefining healthcare support.

Find out more at the  Whole Health Hub

Who we help

Cigna’s coverage extends to more than 200 markets and territories around the world, with 1.5m health professionals and 24/7 customer service centers offering more than 50 different languages.

Individuals & Families

IGO/NGO & Government

Help break the silence surrounding mental health at work.

Mental health challenges in the workplace are becoming more persistent. But now you can play a meaningful role in strengthening your company’s emotional well-being culture.

Why choose Cigna

People first.

With customer service teams across the globe, each with their own in-depth local market knowledge, we’re able to adapt quickly and provide support. From a global health crisis to personal health requirements, Cigna is there.

Whole health and affordability focus

We provide a whole health service platform with a personalised, predictable and simple customer experience that drives affordability of medical plans. Bespoke products, services and resources are combined into one intuitive offering.

Driven by purpose

By enabling more choice and flexibility for improved customer experience, we’re able to create healthier futures for our clients and customers. Cigna is there look after your health, well-being and deliver peace of mind.

Global and local networks

Our goal is to provide customers with reliable and easy to access quality healthcare, wherever they are in the world. As part of a global organisation, we have access to a healthcare support in more than 200 markets and territories around the world and across all time zones.

Inside Expat Health

Hints & tips for Expats, by Expats on health and well-being.

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Employers & Brokers

• Governments
• North America
• Middle East

• Short Term Abroad

Peace of mind for your employees, a global flexible solution for you.

Existing customer?

Login and manage your account with the Cigna Envoy ® website

• Students & Faculty

SHORT TERM ABROAD

Whether your employees are traveling to a remote village or a bustling city center, you'll want to give them and their families peace of mind with a health care policy that covers both unexpected illness and injury as well as routine medical requirements. Our Short Term Abroad plan is designed to offer employees and mission workers the information they need before their assignment, and excellent, easy-to-access health care while they're abroad.

Your workers can find country specific information on our online health portal or call our 24/7 global service center. And in an emergency, we'll connect your workers with our global network of medical providers and facilities for quality treatment and care.

We have fifty years of experience in establishing guarantees of payment on behalf of customers to doctors and hospitals around the world.

Is Short Term Abroad the right plan for your company?

Your company has 50 or more employees on a worldwide basis At least 5 employees will be enrolled in the program at all times Your employees will be on international assignment from 6 to 24 months

For coverage details, click here

Inpatient and out-patient care

Pregnancy care, preventative care, evacuation and repatriation, the benefits of cigna.

With a global network of more than 1.5m medical professionals, access to doctors in more than 200 countries & jurisdictions and 240 legal experts in 15 key geographical regions, if you have employees abroad, Cigna has you covered.

Comprehensive information, services and support at CignaEnvoy.com

• Online global provider directory search
• Printable ID cards
• Claim submissions
• Benefit information
• Drug translation tool
• Immunization requirements
• Disease prevention tips

Need more information?

To learn more about our global health solutions, call, email us or complete our short contact form .

Long-Term Expatriate Medical Insurance

Cigna global medical insurance: a customizable and robust long term international health insurance option for expats, a ‘build-it-yourself’ expatriate medical insurance plan with options to choose from, such as premium mental health care benefits and enhanced preventative medical care, why we like it:.

WE RECOMMEND the Cigna Global Travel Health Insurance plan for all types of expatriates, business people and those traveling or living abroad over 1 year. This overseas medical insurance plan has guaranteed renewability. It also covers all regions and nations, features excellent customer service and has many Direct-Pay agreements worldwide.

Learn about the plan through this video

Cigna has a great reputation and a worldwide network of over 1 million hospitals and physicians.

You can also “design your own plan” with just the items and benefits you require.

• Customize your plan by handpicking the coverage options that suit your requirements
• A legacy of trust: serving over 86 million expatriate customer relationships across 200+ countries and jurisdictions
• Embrace the freedom of no age restrictions and guaranteed policy renewability
• Tap into a global network of over 1 million hospitals and physicians

More insurance details and benefits

CIGNA TRAVEL INSURANCE:

• 3 levels of cover – Silver, Gold and Platinum
• For expatriates and globally mobile individuals
• Worldwide network of over 1 million hospitals and physicians
• 24 hour access to medical experts
• Worldwide or Worldwide excluding USA cover
• No age limits
• Guaranteed renewability

Who Is The Cigna Travel Insurance Plan Designed For?

Click to view plan features.

The Cigna Global Travel insurance plans are best for:

• Families and individuals living overseas; expatriates looking for excellent coverage
• International workers & volunteers who want the strength and reach of the Cigna brand
• Businesspeople used to western-style group health insurance and nationalized health care benefits
• Growing families and soon-to-be families wanting to make sure their little one(s) are protected

Why are these plans best?

• They are highly customizable to include or exclude exactly what you need
• Newborn care for all; Maternity included on Gold and Platinum
• Great sports coverage
• Choose between Worldwide or Worldwide excluding the USA to save additional dollars

Choose from optional modules

Don’t pay for benefits or options you will never use.

Your core cover

International Medical Insurance is your essential cover for inpatient, outpatient and accommodation costs. It also has cover for cancer, psychiatric care and much more. Gold and Platinum plans also include maternity cover after 12 months of continuous coverage.

Your optional modules

Build a unique plan by adding on your choice of optional modules. Choose from International:

• Medical Evacuation
• Health & Well Being
• Vision & Dental

Deductibles and cost shares provide you with additional options which help you build a customized plan which fits your budget.

A bit of advice/explanation

Cigna Global Individual Private Medical Insurance provides excellent health insurance overseas for the most discerning expatriates and globally mobile individuals. There are three coverage levels, various additions, and an array of deductible and cost share options. You can be sure to find a plan which meets both your exacting overseas health requirements and your budget. Coverage is available for expatriates, business people working overseas and international volunteers with NGOs. Also nonprofits, humanitarian organizations and the faith-based community.

The Cigna Global travel insurance plans have a unique way of operating. Let’s start from the beginning, which is the coverage that is provided at minimum – the Core! The Core coverage on these plans is for hospitalizations, inpatient psychiatric care, and cancer. Newborn care is also included for all three levels of coverage. Maternity benefits are included with Gold and Platinum after 12 months of coverage. Expenses from doctors visits, prescriptions or medications, and physiotherapy or physical therapy are not covered at the Core coverages.

You may add the following modules to your coverage. Each of these coverage levels provides additional benefits, which are tailored for maximum proficiency. This is a prominent reason that the Cigna Global plans are extraordinary health insurance overseas!

International Outpatient :

This module is for expenses from lab work, doctors visits, prescriptions and physical therapy. Also immunizations, as well as annual routine for children and well child tests. The higher the level of coverage, the lower the caps are on some benefits.

International Medical Evacuation :

This coverage is highly recommended for any type of international travel. International medical evacuation insurance is designed to provide transportation to the nearest adequate medical facility for necessary treatment. This is if there is no local treatment available for the immediate medical necessity. Adding this module will provider you with not only medical evacuation coverage, but also repatriation of mortal remains, compassionate visit, and more. All of the benefits are the same for every level of coverage.

Even though great hospitals may be in your destination, they may not be able to handle every type of medical condition. We never want any individual, or their families, to be stuck with a medical evacuation bill!

International Health and Wellbeing :

This is a wonderful addition to support overall health and wellbeing! It is a rich resource that gives you access for health screenings and check-ups, physical exams, counseling, dietetic consultations, and online education and programs. All of this can be included to help you get the most out of your overseas medical insurance.

International Vision and Dental :

General coverage for tests, preventative care, and some coverage for treatment and materials relating to Dental and Vision.

U.S. Coverage :

Having U.S. coverage is very important for those with travels to the U.S.A., and for U.S. citizens. Coverage up to six months per year is available on the Cigna Global international health and travel insurance. Even if a U.S. citizen doesn’t plan to come back to the U.S., if a serious medical condition occurs, they sometimes go back to the U.S. for care. Citizens of other countries traveling outside the U.S. will save money by not selecting this module.

In Summary:

For the Core and for the International Outpatient module, you have the option to choose your deductibles, as well as cost sharing. Cost sharing is where you can choose a sum of money to pay a percentage of after the deductible. The higher the amount and percentage you pay with the cost share, the lower the premium will be. On the other hand, the higher your deductible and cost share you have, the more you will pay before full benefits kick in. When you get quotes, you will see how each module affects the premium.

Overall, this Cigna Global international health and Cigna travel insurance is extraordinary coverage and gives you many options to create a health benefit package to fit your needs and travel plans.

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Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

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1 Customers under age 13 (and/or their parent/guardian) will not be able to register at   myCigna.com .

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3 $0 virtual care (no cost share) for eligible preventive care and Dedicated Virtual Urgent Care for minor acute medical conditions. Not available for all plans. HSA plans and non-minor acute medical care may apply a copay, coinsurance or deductible. Cigna Healthcare provides access to Dedicated Virtual Care through a national telehealth provider, MDLive located on myCigna, as part of your health plan. Providers are solely responsible for any treatment provided to their patients.

4 Availability of $0 preventive care (no cost share) by plan may vary. Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care services.

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Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group SM , including Cigna Health and Life Insurance Company (Bloomfield, CT) (CHLIC), Loyal American Life Insurance Company (Cleveland, OH), and HMO or service company subsidiaries of Cigna Health Corporation, including Cigna HealthCare of Arizona, Inc . , Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). 

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Cigna Global Insurance Company

Cigna Global Overview

You may be familiar with Cigna’s insurance coverage in your home country. A plan in your home country typically will cover you in that country only. You can obtain coverage while living overseas through Cigna's Global Medical Plan. You can purchase their global coverage either independently, to cover you worldwide, or as a supplement on top of your existing medical plan. Most people purchase the global plan as a standalone plan as it is comprehensive enough to replace your existing plan and will cover you anywhere in the world.

Cigna Global has an illustrious nearly 230-year history and has been providing global health insurance for decades. Today they have over 180 million customer relationships around the world. Looking after them is an international workforce of 70,000 people, plus a medical network comprising of over 1.5 million partnerships, including over 175,000 mental and behavioral health care professionals and customer service teams around the globe.

Why Choose Cigna Global?

Our customers choose Cigna because they provide all of the following:

Provider Network

Access to an extensive network of trusted hospitals, physicians, and other healthcare professionals

Customize Your Plan

Flexibility to tailor a cost-effective plan to suit their individual needs

24/7 Member Support

Making sure their Customer Care Team is always available to speak with you day and night

Rated "A" by A.M. Best

Reassurance of their experience in delivering international healthcare

Cigna Global Plans

There are many reasons why you might need a Cigna Global Medical plan. Here are just a few:

• The quality of your local country’s healthcare system does not meet your standards or needs.
• Or, even if you are able to find good quality local healthcare, it’s too expensive.
• You find the local healthcare system confusing or a struggle due to language or cultural barriers.
• Your country of residence requires you to have international private medical insurance.

Cigna Global Insurance Plan

The Cigna Global Insurance Plan offers you the opportunity to tailor the plan to your precise needs. With multiple plan tiers, add-on modules and deductible and cost share options, you can perfectly balance your needs with your premium costs. This plan also gives you access to Cigna's international network of more than 1.7 million hospitals and doctors.

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Cigna Close Care Plan

The Cigna Close Care plan allows you to create a tightly focused plan, with coverage for your country of residence and your country of nationality only. The plan also includes emergency coverage in case you need care while in a third country. It offers a wide range of deductibles and cost share options so that you can precisely tailor your plan to your own needs.

Cigna Healthguard Insurance Plan

The Cigna Healthguard Plan is specifically for expats residing in the UAE. It offers multiple tiers and optional add-on modules that allow you to expand your coverage. This plan is approved by the Dubai Health Authority and the Insurance Authority and meets all of their requirements.

• Private medical insurance for expats residing in the UAE
• Three distinct plans with regional or worldwide coverage
• Ability to choose your Healthcare Provider Network tier

Cigna International Medical Network

The Cigna global network of more than 1.65 million international hospitals, clinics, doctors, and mental and behavioral healthcare providers gives individuals working outside their home country extensive access to global health coverage. This wide-ranging global network features providers in over 200 countries and jurisdictions and a service team that speaks over 170 languages.

In most cases, Cigna will pay your hospital, clinic, or doctor directly for treatment costs incurred which are covered. All beneficiaries are responsible for paying any deductible or cost share directly to the medical provider at the treatment time. If you seek treatment at an out-of-network provider in the U.S. without prior authorization, Cigna may reduce the amount they will pay by 20%.

For the best experience, contact the Cigna Customer Care team before treatment. You can contact them 24 hours a day via live chat on your secure online Customer Area, phone, or email.

Areas of Coverage

The Cigna Global Health Insurance Plan offers two areas of cover: worldwide including the USA and worldwide excluding the USA. If you choose worldwide including the USA, you can receive treatment anywhere in the world. If you choose worldwide excluding the USA, you can receive treatment anywhere except in the USA.

Emergency Cover

For additional peace of mind, all of the Cigna international plans include emergency short-term medical coverage when you are visiting a location outside of your selected area of coverage. So if you purchase the Worldwide excluding USA option, you will still be covered for emergency treatment on an inpatient or day-patient basis during short trips to the USA. You will also be covered on an outpatient basis if you have purchased the International Outpatient additional coverage option. Coverage is limited to a maximum period of 3 weeks per trip and a maximum of 60 days per period of cover for all trips combined. Please read your policy documentation for the full terms and conditions relating to this benefit.

Find a Provider

To find a provider, log into your online Customer Area to search the Cigna global network of international hospitals , clinics, and doctors. Simply type in your postcode or zip code, specify the distance you are willing to travel, and it will list the medical experts within your area. Alternatively, call the Cigna Customer Care Team and they will help you find a provider. With nearly 1.7 million providers in Cigna's international network, you should be able to find one that suits your needs.

Cigna Global Services

Cigna Global Health Insurance offers world-class customer service to globally mobile customers. Their multilingual associates are available 24 hours a day, seven days a week, 365 days a year to help with everything from a medical emergency to verification of benefits. Or find what you need online in your Cigna Global customer area.

Cigna Global  is one of the largest providers of  international health insurance  and  expatriate medical  services worldwide. Clients who are living abroad benefit from their large network of doctors, their deep financial resources, a long history of service, and a focus on customer care.

Need Coverage for Your Employees Abroad?

Global Benefits for Organizations

• Offering group plans for international health, life and travel
• Request a quote from the leading insurers around the globe
• A licensed agent will provide quotes and expert advice

What’s in the Cigna Global Customer Area?

In the Cigna Global customer area, you will find a lot of useful information about your healthcare plan, including:

• Your policy documents
• Claim forms – more details about claims can be found here
• Medical, travel, safety, and cultural information
• How to access hospitals, physicians, clinics and health and wellness specialists
• Online health program (if you have bought the International Health & Wellbeing option)

Cigna Global Customer Care Contact Information

Cigna Global Customer Care and Claims Email:  [email protected]

Cigna International Phone Numbers: New Sales: US: 877-758-4881 – International +1 617-500-6738 Customer Care: +44 (0) 1475 788182, or toll free from inside the US on 1 800 835 7677 Call Collect / Reverse Charges: Call will be accepted by Cigna Hong Kong – Phone: 2297 5210 Singapore – Phone: 800 1865047

Cigna Global FAQ

Does cigna global offer insurance for the elderly.

Cigna Global offers the Cigna Global Medical Insurance plan, with no age limit for applicants or current subscribers. You may apply for coverage at any age and remain on the policy for life.

Getting international medical insurance from Cigna is possible if you are a senior citizen.

Is Cigna Global only for expats?

Cigna Global is for expats and any applicant living abroad for six months or more per year. So any individual living abroad may be eligible to apply, regardless of your status. The plan also provides coverage in your country of nationality for up to 180 days per year.

Does Cigna Global cover doctor's visits for cancer?

International medical insurance provides cover for inpatient, day patient, and accommodation costs, as well as coverage for cancer, mental health, and much more. Our Gold and Platinum plans also cover you for maternity inpatient and day patient care.

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International Health Insurance for Students

Studying abroad gives you the chance to spread your wings and embrace the culture of another country. You can see the world through different eyes – and expand your language skills.

Affordable coverage  for students abroad

Mental Health Support

Emergency coverage  for unexpected injuries

24/7 multilingual  Customer Service

Health insurance for students gives you the peace of mind to embark on your new adventure, knowing that your health is protected as you kickstart your studies. But a range of factors must be weighed against the many benefits of studying abroad. Think carefully about the costs you’re likely to face in your chosen country and what the economic situation is like. Consider whether it’ll match your lifestyle needs too. Access to healthcare is another essential area, with the rules varying between each nation. Discover how international health insurance for students could ease the transition below.

How can international health insurance help students?

A student visa is usually temporary, allowing you to stay in another country for a specific period. For that reason, you may find publicly funded or universal healthcare services aren’t available to you. Luckily, that’s where international health insurance for students can come in handy…

Is international health insurance always necessary for students?

Health and other forms of insurance may be a condition of visa applications, meaning they’re generally essential for overseas students. Many universities also make health insurance a condition of entry, requesting a minimum level of coverage before you arrive. Without adequate insurance, countries with heavily privatised healthcare systems like the US or Switzerland  might prove too costly. University medical centres, doctors’ surgeries and hospital use can prove expensive if you require urgent assistance. Also bear in mind that some countries make medical checks a legal requirement before students are allowed to move there. For example, the New Zealand authorities may ask to see a medical certificate to check your health status.

What are the main international student health insurance benefits?

• Preparing you for the unexpected. Nobody knows what’s around the corner. But with international health insurance, you won’t be left behind if an accident or illness occurs. Policies typically cover inpatient treatments like surgery costs and hospital stays. Cancer care, medical emergencies and mental health support are commonly included too. • Useful add-ons. You can often go beyond the basics, with add-ons such as dental treatments, physiotherapy and health screening. • Medical evacuations. Some policies cover the costs of returning you to your home country following a medical crisis. • Potential for worldwide coverage. Many insurers provide cover if you’re planning to travel across multiple countries. This gives you the flexibility to leave your country of study without worrying about medical costs elsewhere.

Choosing your international health insurance

Get started.

Answer a few questions and enter your personal details to get started.

Choose your plan

Compare plans and find a flexible package to suit your needs.

Get protected

Receive your quote and get protected today.

Choose from two core plans:

Cigna global health options.

High quality worldwide care, with two areas to choose from (Worldwide / Worldwide excluding US).

Customizable with three levels to choose from, four optional add-ons and flexible payment options.

Comprehensive cover for inpatient, daypatient and emergency cover, mental health care, pandemic cover and cancer care.

Explore all CGHO benefits

Cigna Close Care

Our plan which covers you in the country you’re living in and your home country for return visits.

Emergency medical coverage outside of those two areas for temporary trips also included.

Cigna Close Care is flexible and cost-effective, so you can tailor it to suit your needs and budget.

Explore all Close Care benefits

Why choose Cigna for international health insurance for students?

• With two core plans to choose from, offering varying levels of cover, Cigna lets you build a flexible policy that’s an exact match for your needs.
• Sign up and you can rely on a huge international network, taking in more than 1.5 million hospitals, doctors and clinics.
• Our range of digital tools and 24/7 support will also keep you firmly in the loop.

What is a geographical area of cover?

A geographical area refers to the part of the globe you’re seeking insurance for. For example, you may need student insurance to cover your study in France and so would look for a package that covers this geographical area. You can always tailor your options to a wider area too, including ‘Worldwide’ coverage.

What is the length of cover for international student health coverage?

Most packages will cover you for the year of your study, starting for a date determined by you.

What is international student health insurance?

International  student health insurance provides access to medical services when you’re outside your home country. It can cover areas like emergency care and inpatient treatments, which might otherwise leave you counting heavy costs. It’s all about peace of mind – knowing you have a safety net in place if an accident or illness strikes. Some policies offer cover across multiple countries, while others can be tailored to the place where you’re studying or your home nation.

Should I get insurance as a student abroad?

Getting student health insurance can give you peace of mind that you are protected financially from the results of accidents and illness while you study abroad. Depending on where you’ve chosen to study, having international health insurance may be a prerequisite of attending your university.

Inside Expat Health

Hints & tips for Expats, by Expats on health and well-being.

Ask the Expert: What you need to know about travel insurance before you go on a trip

Canadians looking to ditch the cold this winter for a sunny destination may want to be prepared in case something goes awry.

While most of the travel issues from the pandemic aftermath are mostly resolved, the industry is still working out the kinks and travel insurance can provide protection in case things don’t go as planned, according to Matt Hands, vice-president of insurance at Ratehub.ca.

“The travel industry is still in a state of flux. It's in a much better position today than it was a year ago, but flight delays will happen,” Hands said in a recent interview with Yahoo Finance Canada.

“There’s a lot of baggage loss that happens. So having that peace of mind in coverage, which isn't quite expensive to add on to a policy – the most expensive part is obviously travel medical — is just something to give peace of mind in case something goes wrong.”

Despite this peace of mind, not everyone buys a travel insurance package before their trip. A 2022 survey from insurance software firm Ancileo found about 68 per cent of Canadians planned to buy travel insurance, while Baby Boomers (73 per cent) were most likely to purchase travel insurance.

Still, there are some tricks to travel insurance that can ensure you’re covered in case your dream trip doesn’t go as smoothly as you envisioned. Yahoo Finance Canada spoke to Hands and Suzanne Morrow, senior vice-president at InsureMyTrip.ca, to discuss all things travel insurance.

What kind of travel insurance plan do I need?

Both experts say a base travel insurance package is appropriate for a short road trip or weekend getaway in the U.S., but anything longer or further may need a more comprehensive plan.

“If you're doing any sort of risky activity, maybe you're going skiing overseas, or maybe you’re going paragliding … this is where it gets a little bit more complex,” Hands said. “You'll want to have a specific type of policy that covers more risky activities and medical coverage because standard policies won't do that.”

Additionally, pre-existing health conditions, the cost of the trip, the modes of transportation you will be using and your destination are things to consider before choosing the level of coverage you may need.

Morrow says any trip with a non-refundable portion that has already been paid is a candidate for insurance as a means to protect against cancellation or interruptions.

“If they're planning a trip and they've put money on the line, they may want to have coverage should something happen to cancel their trip,” she said

Read the fine print and check your credit card insurance

Many Canadians will have some level of travel insurance coverage through either their credit card plan or employer, but it’s important to check exactly what level of coverage these plans provide.

“With credit card (travel insurance), anything you want coverage for has to be purchased through your credit card, which makes sense,” Morrow said.

“If it's limited coverage for things that you're concerned about, you may want to look into buying something in the retail market.”

Morrow adds that many employers only offer emergency medical insurance through company benefits, meaning travellers will likely need to look elsewhere for trip cancellation insurance.

“Know what you have so that you can plan for what you may need to buy,” she said.

“The biggest mistake that we hear about is people assume that they are covered. They don't check, they don't verify, they just assume they're good.”

What snowbirds need to know

Snowbirds, or older Canadians who spend their winters in a warmer climate, should consider their own type of insurance package, Hands says. These packages offer multi-trip coverage over an extended stay and include robust coverage for medical expenses, he adds.

“They're all-inclusive, they include a lot of travel medical coverage, because they're designed with an older clientele in mind, so they're expecting them to need potentially hospital treatment, medical supplies, ambulance services, or physician services, or even as much as emergency dental work, or emergency return to Canada,” Hands said.

According to Statistics Canada , as many as 375,000 Canadians spend at least part of their winter in the U.S. or Mexico. The number of snowbirds may soon rise as well, as Canada’s population ages and U.S. officials consider loosening restrictions on snowbird travel.

Hands says snowbirds considering spending more than a month away from home should tell their home insurance provider about their travel plans.

“If you were to leave, and you had nobody checking on your house, or you didn't do the proper precautions in terms of pipes freezing someone and something happens, they can easily reject your claim,” he said.

Ben Cousins is a freelance journalist based in Toronto. Follow him on Twitter @cousins_ben .

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The cigna group's dividend analysis, exploring dividend trends and financial health of the cigna group ( nyse:ci ), upcoming dividend details.

The Cigna Group ( NYSE:CI ) recently announced a dividend of $1.4 per share, scheduled for payment on June 20, 2024, with the ex-dividend date set for June 4, 2024. As investors anticipate this upcoming disbursement, it's an opportune moment to delve into The Cigna Group's dividend history, yield, and growth rates, drawing on comprehensive data from GuruFocus to evaluate its sustainability.

Company Overview

Warning! GuruFocus has detected 7 Warning Sign with CI.

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The Cigna Group primarily operates in pharmacy benefit management (PBM) and health insurance services. Post its 2018 merger with Express Scripts, its PBM and specialty pharmacy services expanded significantly, catering predominantly to health plans and employers. The company boasts the Department of Defense as its largest PBM contract and has recently secured a substantial agreement with Centene. In terms of health insurance and other benefits, The Cigna Group primarily serves employers through self-funding arrangements and currently covers 18 million U.S. medical members as of December 2023.

Dividend History Insight

Since 1985, The Cigna Group has maintained a steadfast record of dividend payments, distributed quarterly. Remarkably, the company has increased its dividend annually since 2005, earning it the status of a dividend achiever. This title is reserved for companies that have consistently raised their dividends for at least 19 consecutive years. Below, you can view a chart detailing the annual Dividends Per Share to track historical trends.

Dividend Yield and Growth Analysis

Currently, The Cigna Group boasts a 12-month trailing dividend yield of 1.49% and a forward dividend yield of 1.63%, indicating anticipated increases in dividend payments over the next year. Over the past three years, the annual dividend growth rate was a robust 397.30%, with a five-year rate of 239.90% per annum. Over the last decade, the annual growth rate of dividends per share stands impressively at 67.50%. The 5-year yield on cost for The Cigna Group stock is approximately 675.99% today.

Evaluating Dividend Sustainability

The sustainability of dividends is crucial, and evaluating the dividend payout ratio is key to understanding how much of its earnings The Cigna Group allocates to dividends. With a payout ratio of 0.19 as of March 31, 2024, the company retains a significant portion of earnings for future growth and stability. The Cigna Group's profitability rank is 7 out of 10, reflecting strong earnings potential, supported by a consistent record of positive net income over the past decade.

Future Growth Prospects

For dividends to be sustainable, robust growth metrics are essential. The Cigna Group's growth rank stands at 7 out of 10, indicating a promising growth trajectory. Its revenue per share and 3-year revenue growth rate of approximately 14.70% annually outperform about 65% of global competitors. Additionally, The Cigna Group's 3-year EPS growth rate of 10.80% annually outperforms approximately 52.63% of global competitors, with a 5-year EBITDA growth rate of 11.80%, outperforming about 46.67% of global peers.

Conclusion and Next Steps

The analysis of The Cigna Group's dividend payments, growth rates, payout ratio, and profitability underscores its strong financial health and potential for sustained dividend growth. Investors considering high-dividend yield opportunities may find The Cigna Group an attractive option. For further exploration of high-dividend yield stocks, GuruFocus Premium users can utilize the High Dividend Yield Screener .

This article, generated by GuruFocus, is designed to provide general insights and is not tailored financial advice. Our commentary is rooted in historical data and analyst projections, utilizing an impartial methodology, and is not intended to serve as specific investment guidance. It does not formulate a recommendation to purchase or divest any stock and does not consider individual investment objectives or financial circumstances. Our objective is to deliver long-term, fundamental data-driven analysis. Be aware that our analysis might not incorporate the most recent, price-sensitive company announcements or qualitative information. GuruFocus holds no position in the stocks mentioned herein.

This article first appeared on GuruFocus .

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Senators See Possible Conflicts of Interest in Health Care Pricing Tools

A data analytics firm that helps insurers collect big fees while leaving some patients with unpaid bills has been summoned to explain its business model.

By Chris Hamby

Chris Hamby has been investigating the lucrative business of out-of-network medical claims.

The chairmen of two Senate committees overseeing health policy, concerned about companies “padding their own profits” at the expense of patients, are looking into the practices of a data analytics firm that works with big insurers to cut payments to medical providers.

The firm, MultiPlan, recommends what it says are fair payments for medical care, but the firm and the insurers can collect higher fees when payouts are lower. This business model could “result in an improper conflict of interest,” the chairmen of the two committees, Ron Wyden of Oregon and Bernie Sanders of Vermont, wrote in a letter to the firm’s chief executive that was released on Tuesday.

The senators called on MultiPlan to meet with the committees’ staffs to discuss an investigation last month by The New York Times that found the firm’s pricing tools could leave patients with unexpectedly large bills when they see doctors outside their health plans’ networks.

“Our committees are engaged in ongoing legislative work to put a stop to practices by plan service providers that drive up health care costs for consumers while padding their own profits,” the letter to Travis Dalton, the MultiPlan chief executive, said.

In a statement, MultiPlan said it was working with the Senate committees “to address their questions and explain the cost and complexity patients can face” when choosing high-priced care outside their networks. “We are committed to helping make health care transparent, fair and affordable for all,” the statement said.

The committees’ inquiry reflects growing scrutiny of the New York-based firm, which has largely remained out of the limelight even as it has staked out a dominant position in a lucrative corner of health care.

Another senator, Amy Klobuchar of Minnesota, this month asked federal antitrust regulators to investigate whether insurers and MultiPlan were colluding to fix prices, and multiple health systems have sued the firm, accusing it of similar anticompetitive behavior.

Separately, the Department of Labor said Tuesday that it had “a number of open investigations” into the type of pricing services MultiPlan provides, but declined to name specific companies. The agency, the primary regulator of employer-based health insurance, stressed in a statement that companies were legally obligated to ensure the firms processing medical claims acted in their employees’ best interest.

The letter from Mr. Wyden, a Democrat, and Mr. Sanders, an independent, also steps up attention on employer-based health insurance, which is the most common way Americans get coverage and a major component of MultiPlan’s business.

As health care costs climb, some employers are looking more closely at what they pay insurance companies to administer their plans, but they are often frustrated by contracts that limit access to their own claims data. To address this, a bipartisan group of senators, including Mr. Sanders, introduced legislation in December that would require insurers to turn over this data .

“Most businesses do their best to manage the ever-increasing cost of their group health plan, but it should be easier,” Senator Mike Braun, an Indiana Republican and cosponsor of the bill, said in a statement.

A majority of employers choose to pay medical claims with their own money and use an insurer to administer their plans. This setup, known as “self-funding,” can be lucrative for insurers like UnitedHealthcare, Cigna and Aetna, as well as specialized firms like MultiPlan.

The insurers pitch MultiPlan’s tools as a way to save employers money when their employees see a medical provider outside the plan’s network. The bills for these out-of-network providers are subject to negotiation, and insurers often send the claims to MultiPlan, which recommends an amount to pay.

Both MultiPlan and insurers typically collect a fee from the employer based on the size of what they call the “savings” — the provider’s list price minus the recommended payment. Lower payouts can mean bigger fees. Meanwhile, patients can be stuck with the unpaid balance, The Times investigation found.

Companies are legally obligated to ensure the insurers act in employees’ best interest, and a closely watched lawsuit filed last year could force them to become more active monitors.

A worker at Johnson & Johnson sued the company, saying it had failed to adequately oversee the administrator of its drug benefits plan. By paying too much — in one instance, $10,000 for a drug that was available for as little as $28.40 — the company had allowed the administrator, the Cigna subsidiary Express Scripts, to profit at employees’ expense, the suit claimed.

In a statement, Johnson & Johnson called the claims “meritless” and said, “We are committed to our employees and seek to provide the best coverage.”

A small industry of consultants, lawyers and data analysts has arisen to help companies step up monitoring and negotiate better deals with the insurers administering their plans.

Kraft Heinz last year sued Aetna, claiming the insurer improperly paid claims and kept millions in undisclosed fees. Trustees for a union health plan in Massachusetts sued Blue Cross Blue Shield of Massachusetts in 2021, accusing the insurer of repeatedly overpaying claims and then charging a fee to correct the errors. And in January the Department of Labor sued Blue Cross and Blue Shield of Minnesota, claiming the company forced multiple employers to pay medical providers’ tax bills without disclosing the charges.

(Aetna declined to comment on the case but said it worked with employers “to facilitate access to quality, affordable and convenient health care.” Blue Cross and Blue Shield of Minnesota said the government’s allegations were “without merit” and “based on unsupported interpretations” of the law. A court dismissed the Massachusetts case.)

The success of the employers’ efforts sometimes hinges on an unsettled legal question: Does a company’s duty to act solely in its employees’ best interest extend to insurers and firms like MultiPlan? Courts have reached different conclusions.

MultiPlan has argued that the answer is no, and in March a federal judge in California agreed, dismissing the company from a lawsuit filed by medical providers. The case against the insurer, Cigna, was allowed to go forward.

In pitches to investors, MultiPlan has highlighted its murky legal obligations. Because the firm doesn’t provide insurance or pay claims, it noted in a public filing, “we generally are not directly regulated and face significantly lower levels of regulatory complexity.”

Chris Hamby is an investigative reporter for The Times, based in Washington. More about Chris Hamby

Our Coverage of Congress

Here’s the latest news and analysis from capitol hill..

Covid Origins: Dr. Anthony Fauci, testifying before a House panel, forcefully denied Republican allegations  that he had helped fund research that sparked the pandemic or had covered up the possibility that it originated in a laboratory.

Contraceptive Vote: House Democrats plan to go on the offensive on reproductive rights with an announcement that they will seek to force a vote on legislation that codifies the right to birth control access nationwide .

Stealing the Spotlight: As Representative John Rose castigated Donald Trump’s criminal conviction, his 6-year-old son made a series of contorted faces  in a moment that circulated widely online.

Joe Manchin: The conservative West Virginia Democrat who has said he will retire at the end of his term switched his party registration to independent , leaving open the possibility of another run for office.

Departing House Members: A wave of House retirees from both parties, including committee chairs and rising stars, say that serving in Congress is no longer worth the frustration .