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Seguro de salud para expatriados
Seguro para expatriados
Designed for individuals and families living or working abroad, our international expat medical insurance provides access to healthcare support and services across your chosen area of cover.
Enjoy:
- Comprehensive cover to suit different budgets
- Flexible plans including mental health and cancer care
- Global access to care & telehealth doctors
- Asistencia 24/7
Moving abroad brings new, exciting opportunities - and having appropriate health cover in place can help you access healthcare while living overseas. Our international health insurance for expats is designed to provide support throughout your time abroad.
With Cigna Healthcare plans, you get:
- International cover designed to support your healthcare needs
- Flexible plans shaped around your lifestyle, location, and priorities
- Access to a global network of providers, and 24/7 customer support
What is expat medical insurance?
Expat insurance is health cover designed for people living or working abroad, helping them access healthcare services covered under their plan.
Whether you're based in one country or moving between destinations, global coverage can help you access healthcare across multiple countries through a single plan, rather than relying on local systems in each location.
It's designed to make healthcare abroad more straightforward, with access to care and support across your chosen area of cover.
Key benefits include:
- One plan that covers you across multiple countries, with no need to switch
- Access to international healthcare providers and support when needed
¿Por qué elegir Cigna Healthcare?
Cigna Healthcare offers flexible cover, access to global support services and an extensive network of healthcare professionals. We help you manage your healthcare needs while living abroad.
With our expatriate medical insurance plans, you can get:
Cobertura local y global
Access to a global network of 2,2 million hospitals, clinics and medical professionals
Asistencia 24/7
24/7 multilingual customer support to help you navigate healthcare services
Comprehensive Plans
Support for individuals and families, with plans designed for both everyday care and longer-term health needs
Flexibility and Choice
Flexible plans designed to reflect your location, lifestyle and healthcare needs
The benefits of health insurance for expats
Our cover can help simplify how you manage your healthcare abroad. This gives you a clearer, more consistent way to access care across different stages of your journey.
Other benefits include:
- Greater clarity on cover and costs, to help you understand your healthcare options abroad
- Access to multiple healthcare providers, across your chosen area of cover
- Flexible options designed to support changing location, lifestyle or family needs
- Ongoing support to help you navigate healthcare systems in different countries
- Support for more complex situations, including medical evacuation and access to virtual care services
- Access to wellbeing support, including mental health services and preventative care options.
Who is expat medical insurance for?
Expat medical insurance is designed for people living, working, or spending extended time abroad who want a consistent way to access healthcare across countries. It supports a wide range of lifestyles, offering flexible cover that can adapt as your circumstances change.
Profesionales de todo el mundo
Get a clear and consistent approach to healthcare when relocating abroad for career reasons, or taking on international work assignments. It helps you access treatment locally or internationally, without needing to rely solely on unfamiliar healthcare systems.
Estudiantes
Students studying abroad can benefit from cover that supports both routine healthcare and unexpected medical needs. It provides access to healthcare services and support while living away from home, helping students manage their healthcare needs during their time abroad.
Familias
Get a practical way to manage healthcare for everyone under one plan. Our insurance can support a range of needs, from everyday and maternity care to more complex treatment, with flexibility as your family’s situation evolves.
Retirees living abroad
If you’re spending your retirement overseas, expat health insurance can help you access healthcare in your chosen country, with options to suit your lifestyle. It provides access to healthcare support, helping you enjoy your time abroad with greater certainty around your healthcare arrangements.
Nuestros planes de seguro médico globales: tu cobertura de un vistazo
Cigna Global Health Options
Atención global de alta calidad
Elige entre dos opciones de planes de salud: Internacional o internacional excepto en los EE. UU.
Seguro de salud global personalizable
Con tres niveles para elegir, cuatro complementos opcionales y opciones de pago flexibles, puedes crear un plan personalizado y a medida que se adapte a tus necesidades médicas.
Cobertura completa
Accede a un seguro sanitario global para atención hospitalaria, ambulatoria y de urgencias. También ofrecemos atención psiquiátrica, cobertura para pandemias y atención oncológica.
Construye un plan que se adapte a tus necesidades y presupuesto, elige entre Silver, Gold o Platinum.
Silver
Máximo anual de USD1.000.000 para tratamientos en régimen de hospitalización y ambulatorio.
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Habitación individual
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Atención oncológica completa hasta 1.000.000 USD
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Radiografías médicas y escáneres hasta 10.000 USD
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Rehabilitación, incluida fisioterapia, hasta 5.000 USD
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Tratamiento en sala de urgencias hasta 500 USD
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Sin cobertura por maternidad
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Sin tratamiento de la obesidad
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Sin reproducción asistida
Gold
Máximo anual de USD2.000.000 para tratamientos en régimen de hospitalización y ambulatorio.
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Habitación individual
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Atención oncológica completa hasta 2.000.000 USD
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Radiografías médicas y escáneres hasta 30.000 USD
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Rehabilitación, incluida fisioterapia, hasta 15.000 USD
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Tratamiento en sala de urgencias hasta 1.000 USD
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Cobertura común por maternidad hasta 7.000 USD
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Cirugía de obesidad hasta 20.000 USD
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Sin reproducción asistida
Platinum
El tratamiento en régimen de hospitalización y de hospital ambulatorio está Pagado por completo.
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Habitación individual
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Cobertura completa para cáncer
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Radiografías y exploraciones médicas pagadas por completo
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Rehabilitación, incluida fisioterapia Pagado por completo
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Tratamiento en sala de urgencias hasta 2.000 USD
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Cobertura común por maternidad hasta 14.000 USD
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Atención de maternidad hospitalaria hasta 14.000 USD
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Cirugía de obesidad hasta 25.000 USD
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Reproducción asistida hasta 10.000 USD
Key features of Cigna Global Health Options
- Three levels of cover to choose from: Silver, Gold y Platinum
- Annual benefit limits aligned to your chosen level of cover
- Option to include outpatient, dental, and wellbeing modules
- Cover for inpatient, day patient, and cancer treatment as standard
- Global telehealth services for remote consultations where available
- Medical evacuation and repatriation support included in core plans
¿No sabes qué plan de seguro de salud global se adapta mejor a tus necesidades?
Si tienes alguna pregunta sobre nuestro seguro de salud global, no dudes en ponerte en contacto con nosotros. Tanto si estás planificando un cambio profesional en el extranjero, como si vives y trabajas en el extranjero, o visitas regularmente otros países por negocios, estamos aquí para ayudarte.
Échale un vistazo a nuestra comparación de planes [PDF] o llama a nuestros expertos del equipo de ventas a uno de estos números.
Internacional: + 44 (0)1475 492119 - Singapur: +65 3158 7581 - Estados Unidos: 877.539.6295
How to create your policy
Paso 1: Para empezar
Answer a few simple questions about yourself, your location, and your plans abroad. This helps tailor your quote and identifies cover options personal circumstances and requirements.
Paso 2: Elige tu plan de seguro
Review the available options and select the level of cover that suits your needs, budget, and destination. You can also tailor your plan with additional benefits to match your lifestyle.
Paso 3: Start your cover
Once you’re happy with your selection, you can complete your application and receive your quote. Your cover can then begin, giving you a clear and consistent way to access healthcare abroad.
¿Necesitas solicitar un reembolso?
If you need to make a claim, Cigna Healthcare aims to keep the process as simple as possible. When we can, we work to pay healthcare providers directly, so you don’t have to manage the cost yourself. If you do need to pay upfront, claims can be submitted online.
Reimbursements are typically processed as quickly as possible too, once all required information is received.
Why do I need expat medical insurance when working abroad?
You may be starting a new role overseas, taking on an international assignment, or already building your life in a new country. Expat medical insurance can help you access healthcare services and support while settling into a new environment.
- Healthcare systems vary. In some locations, access to care may be limited, private treatment can be costly, or health insurance may be a requirement for entry or residency.
- Having appropriate cover in place can provide a clearer, more consistent way to manage your healthcare, without needing to rely solely on unfamiliar healthcare systems.
With health insurance tailored for your expat needs, you can focus on the opportunities ahead, knowing you have access to healthcare services and support.
Preguntas frecuentes
Expat health insurance can be used across multiple countries, depending on the cover you choose. Some plans are designed for specific regions, while others offer worldwide coverage, with or without the USA.
It’s important to check your selected level of cover and area of coverage before accessing treatment. Understanding where your policy applies can help you use it effectively in different locations.
Yes, you’ll usually need to share details of any pre-existing medical conditions when applying for expat health insurance. Providing accurate information helps us assess your application and determine the cover available to you.
The cost of expat health insurance depends on your individual circumstances and the level of cover you choose.
Factors such as your age, destination, area of coverage, medical history, and selected benefits can all affect the price. Getting a personalized quote is the best way to understand how much your expat health insurance may cost.
Expat health and travel insurance are designed for different purposes. Travel insurance is typically for short trips, while expat health insurance is intended for longer stays or living abroad.
Expat health insurance is not always a legal requirement, but it can be an important part of preparing for life overseas. Healthcare access, quality, and costs can vary, so having cover can help you access healthcare services while living abroad.
It can be particularly valuable for families or those planning retirement. You can also explore popular expat destinations to help plan your move.
The best expat health insurance for you will depend on your individual needs, including where you live, your budget, and the level of cover you’re looking for.
Plans like Cigna Global Health Options offer flexible levels of cover, access to a global network of providers, and optional benefits. This means you can choose from a range of cover options based on your individual healthcare needs, destination, and preferences.
Puedes hablar con nuestro equipo de ventas u obtener ayuda general si ya eres miembro de Cigna Healthcare®; te proporcionaremos la información que necesites.
Información de contacto© Cigna Healthcare. Todos los derechos reservados.
* Ten en cuenta que esto es una representación de las prestaciones disponibles y no contiene los términos, condiciones y exclusiones específicos de cada prestación. Las prestaciones pueden estar sujetas a cambios. Algunas prestaciones pueden formar parte de un módulo opcional. Consulta la Guía del cliente para obtener todos los detalles.
Este sitio web está proporcionado por Cigna European Services (UK) Limited, una compañía registrada en Inglaterra y Gales con domicilio social en 13th Floor, 5 Aldermanbury Square, Londres EC2V 7HR y número de registro 00199739. El nombre y el logotipo de Cigna Healthcare, así como otras marcas de Cigna Healthcare, son propiedad de Cigna Intellectual Property, Inc., con licencia de uso de The Cigna Group y sus filiales.
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Esta comunicación la emite o distribuye Cigna Insurance Management Services (DIFC) Limited, que está regulada por la Autoridad de Servicios Financieros de Dubái.
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