Private international health insurance in Australia
Whether you’re a student, an expat, or a business transfer, protect yourself and your loved ones with private health insurance.
Our policies are international, so you’ll be protected in Australia and over 200 countries and territories.
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Get a quote in under two minutes
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Customizable plan to meet your needs
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24/7 support and assistance available
Why choose Cigna for global health insurance in Australia?
Wide-ranging cover for medical expenses
We cover many costs at doctor’s clinics and hospitals in Australia. From accommodation charges and emergency treatment, to screening for cancer.
Direct billing with most care providers
We can settle the cost of treatment directly with the provider. This means you don't have to foot the bill upfront. Get access to medical support in Australia - and beyond.
Customer care team available 24/7
Our customer care team is available 24 hours a day, every day of the week. You can also speak to a doctor remotely if needed.
Our health insurance plans
Our Global Health Options plans are available in Silver, Gold and Platinum. Access wide-ranging support across medical providers and hospitals worldwide – from hospital rooms and outpatient medicines to rehabilitation assistance. Key cover includes:
- Atención psiquiátrica
- Cancer treatment and preventative surgery
- Emergency outpatient treatments in hospitals
You could also receive maternity and dental care, depending on your health insurance plan.
In addition to our global plans, we also offer regional cover via our Close Care℠ plan.
| Silver | Gold | Platinum | |
|---|---|---|---|
Our Silver plan covers day-patient cover, including hospital stays and treatment. | Our Gold policy package includes maternity cover, and dental treatment. This plan could be ideal for you if you’re moving with your family. | Our most extensive insurance package, Platinum gives you and your family access to a broad range of treatments – often paid in full. |
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| Geographic cover | Silver | Gold | Platinum |
Internacional | Internacional | Internacional |
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| Beneficio anual general | Silver | Gold | Platinum |
1.000.000 $ | 2.000.000 $ | Ilimitado |
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| Inpatient, day-patient and accommodation costs | Silver | Gold | Platinum |
Private room paid in full | Private room paid in full | Private room paid in full |
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| Atención oncológica | Silver | Gold | Platinum |
Cobertura íntegra | Cobertura íntegra | Cobertura íntegra |
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| Mental and behavioral healthcare | Silver | Gold | Platinum |
Up to $5.000 | Up to $10.000 | Cobertura íntegra |
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| Asistencia de maternidad | Silver | Gold | Platinum |
No incluido | Routine inpatient maternity cover – paid in full up to $7.000 | Routine inpatient maternity cover – paid in full up to $14.000 |
Our Silver plan covers day-patient cover, including hospital stays and treatment.
Our Gold policy package includes maternity cover, and dental treatment. This plan could be ideal for you if you’re moving with your family.
Our most extensive insurance package, Platinum gives you and your family access to a broad range of treatments – often paid in full.
Internacional
Internacional
Internacional
1 000 000 $
2 000 000 $
Ilimitado
Private room paid in full
Private room paid in full
Private room paid in full
Cobertura íntegra
Cobertura íntegra
Cobertura íntegra
Up to $5 000
Up to $10 000
Cobertura íntegra
No incluido
Routine inpatient maternity cover – paid in full up to $7 000
Routine inpatient maternity cover – paid in full up to $14 000
Our essential plan covers you in your country of residence and your home country. You can also add modules to extend this cover, including dental and wider outpatient care. |
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| Geographic cover | Close Care℠ | |
Country you’re living in and home country only |
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| Beneficio anual general | Close Care℠ | |
$500.000 (with $250.000 condition limit) |
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| Inpatient, day-patient and accommodation costs | Close Care℠ | |
Semi-private room paid in full |
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| Atención oncológica | Close Care℠ | |
Cobertura íntegra |
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| Mental and behavioral healthcare | Close Care℠ | |
No incluido |
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| Asistencia de maternidad | Close Care℠ | |
No incluido |
Our essential plan covers you in your country of residence and your home country.
You can also add modules to extend this cover, including dental and wider outpatient care.
Country you’re living in and home country only
$500 000 (with $250 000 condition limit)
Semi-private room paid in full
Cobertura íntegra
No incluido
No incluido
¿Cómo funciona un seguro de salud internacional?
1. Get a free quote and
buy your policy
Build a quote online or give us a call at +44 (0)1475 492119
Choose a plan, customise your deductibles & cost shares, find a cost that meets your needs, and choose how you want to pay. Choose from monthly, quarterly and annual payments.
2. Gestionar tu póliza
with our easy app
Manage your health and wellbeing on the go, wherever you may be.
The Cigna Wellbeing® App gives you access to Global Telehealth consultations from anywhere in the world. Use our online customer area to access your policy documents, at any time.
3. Get your treatment
and make a claim
Get in touch with our customer care team to make a claim.
We’ll connect you to a medical expert within 24 hours, via global network of over 2,2 million partnerships.
Direct billing available in most cases, as we liaise directly with your treatment provider.
Private health insurance in Australia
Australia’s healthcare system, known as Medicare, guarantees all citizens healthcare at a low, or no cost. But international visitors usually need private health insurance to access care.
Our international expat coverage provides broader protection, including prescription medications, doctor visits and emergency services. También podrás acceder al tratamiento con mayor rapidez y eficacia que en gran parte del sistema público australiano.
Whether you’re living in metropolitan Melbourne or coastal Darwin, remote locations are no problem for our team. Get Telehealth consultations from anywhere, plus pre-trip advice through our Travel Information Portal.
Additional benefits as part of your international health insurance cover
Telehealth
consultations
We understand how to provide the support you need, when you need it. Get unlimited phone or video doctor consultations, plus counseling and coaching.
International cover,
wherever you are
Your international cover (Silver, Gold or Platinum) can help wherever you are.
Flexible plans,
made for you
Your health insurance quote is tailored to you and your family’s needs. Match it to your budget today.
Add more cover to your policy
Once you’ve chosen from our Silver, Gold and Platinum packages, make them even more bespoke to you with additional cover.
Our international outpatient insurance provides access to a broad range of healthcare treatments that don’t require admission to a hospital. For example, you can get:
- Consultations with specialists, in-person or online
- Vendajes y fármacos con prescripción
- Radiology and diagnostic tests
- Rehabilitación ambulatoria
- Cover for hearing aids
This medical insurance add-on covers emergency healthcare and assistance. It could help if there’s a global crisis, or to evacuate you if local treatment can’t help. It can give you:
- Emergency transport to good hospitals.
- Repatriation if you experience a serious medical event
- Crisis response services following travel or security risks
- Help with compassionate travel and living costs
- Travel costs for people who accompany you
Boost your health with insurance for screening, tests and dietetic consultations. There’s also a mental health support program for expats as well.
Get eye tests and help with the cost of eyewear, plus a wide range of preventative, and routine dental treatments.
Who comes to us for Australian health insurance?
International students
Students in Australia may need specific health insurance policies to stay protected. This can mean getting cover for routine medical procedures – such as trips to the doctor and dentist.
With international student health insurance, there’s emergency coverage for anything unexpected.
Mobile workers
Australia’s international working community ranges from rural backpackers to high-flying professionals in Sydney, Melbourne or Brisbane.
With health insurance needs as varied as their backgrounds, expats may benefit from custom cover options. That’s why we offer international expat health insurance at various prices and levels, including insurance for families and global professionals.
Jubilados
From the golden beaches to the laid-back lifestyle, it’s no wonder so many people choose Australia as a place to spend their later years.
Taking care of your health can help you make the most of later life, whether through screening for age-related conditions or cover for nutrition, sleep and weight management coaching. Cigna’s insurance for seniors and retirees can help you to thrive.
More information about healthcare in Australia
Hospitals: There are 697 public hospitals in Australia (Australian Government, 2022). Additional private hospitals are available too.
Healthcare ranking: 21st out of 167 countries (Legatum Institute Foundation)
Health insurance: According to a report by the Australian Competition and Consumer Commission (ACCC), 55% of Australians held private medical insurance in 2023.
Emergency services number (while in Australia): 000
Cigna claim number (while in Australia): 800 835 7677
In an emergency in Australia, call 000 and request an ambulance, or go to the nearest hospital.
If you are from a country with a reciprocal arrangement, Emergency Department treatment is free.
As of 2024, these countries are: Finland, Ireland, New Zealand, the Netherlands, Norway, Sweden, the United Kingdom, plus Italy and Malta for a limited timeframe.
Other nationalities will need to pay for their emergency care in Australia. Our insurance can help you to manage this cost.
Australia is a hot and sunny nation. While that is undoubtedly part of its appeal, it’s important to know that it has some of the world’s highest skin cancer rates as a result. The good news is with Cigna Platinum health insurance, cancer screening is covered.
In the north, you’ll find hot and humid summers, with warm winters too. However, the island of Tasmania sees winter temperatures as low as 3°C.
Having effective cover in place can provide peace of mind if you’re concerned about the impact of the climate on your health, or any underlying conditions.
Frequently asked questions about health insurance in Australia
Yes, in some cases our international health insurance may include cover for repatriation from Australia to your home country. This may apply if your specific treatment or emergency needs cannot be catered for in Australia. Sin embargo, Australia cuenta con uno de los principales servicios sanitarios del mundo y cubre la mayoría de los tratamientos.
The cost of expat health insurance in Australia will depend on your personal circumstances. Certain factors, such as your age, may alter the total price of your international insurance. At Cigna, our flexible, global options can help you build your plan around your budget and preferences.
El nivel de asistencia sanitaria en Australia es uno de los más altos del mundo. In a 2023 report the Organisation for Economic Cooperation and Development (OECD) found that 85% of Australians rate their health as ‘good’ or ‘very good’. It also found the system is efficient, with plenty of doctors per person. However, it’s easier for those living in the inner city and built-up areas to access treatment than those in rural areas.
Yes, expats can get health insurance for their trip to Australia – whether they’re staying for six months or moving permanently. International health insurance lets expats get coverage from the moment they arrive. Remember that expats are responsible for their own health costs in Australia – without insurance, you might need to pay big bills upfront.
Visits to the GP – a type of primary doctor called a general practitioner – are not free in Australia. They may be covered fully or in part by Medicare, which is available to Australians and New Zealanders. As of 2024, GP visits may cost around $100 a visit for expats from elsewhere. International health insurance may help cover some of these costs.
For a visitor to Australia, the best health insurance depends on your circumstances. You can choose from:
- Close Care℠, for cover in Australia and your home country only
- International health insurance, for worldwide cover
- Seguro de salud internacional de corta duración