This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by Cigna Global Health Options
This is Cigna Global Health Options's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: Cigna Healthcare — Cigna Global Health Options Individual Plans brochure, February 2026 — showing every published column.
From the insurer's published documents
| International Medical Insurance | |||
|---|---|---|---|
| Paid in full, up to the annual benefit maximum, if applicable, for your selected plan per beneficiary per period of cover. | |||
| Not covered. | |||
| Waiting period applies. | |||
| 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. | |||
| *Day limit only applies to inpatient and daypatient treatments. | |||
| Benefit | Silver | Gold | Platinum |
| Annual overall benefit maximum - per beneficiary per period of cover | $1,000,000/€800,000/£650,000 | $2,000,000/€1,600,000/£1,300,000 | Paid in full |
| Hospital chargesNursing and accommodation for inpatient and daypatient treatment, and recovery room;Operating theatre;Prescribed medicines, drugs and dressings for inpatient or daypatient treatment only;Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging);Treatment room and nursing fees for outpatient surgery (we will only provide the nursing fees whilst a beneficiary is undergoing surgery);Intensive care: intensive therapy, coronary care and high dependency unit;Surgeons’ and anaesthetists’ fees;Inpatient and daypatient specialists’ consultation fees;Emergency inpatient dental treatment. | Paid in fullPrivate room | Paid in fullPrivate room | Paid in fullPrivate room |
| Hospital accommodation for a parent or guardian | $1,000/€740/£665 | $2,000/€1,480/£1,330 | Paid in full |
| Pandemics, epidemics and outbreaks of infectious illnesses | Paid in full | Paid in full | Paid in full |
| Inpatient cash benefitPer night up to 30 days per beneficiary per period of cover. | $100/€75/£65 | $150/€120/£95 | $200/€150/£130 |
| Accident and Emergency Room TreatmentFor necessary emergency treatment. | $500/€370/£335 | $1,000/€740/£665 | $2,000/€1,600/£1,300 |
| Transplant services | Paid in full | Paid in full | Paid in full |
| Kidney Dialysis | Paid in full | Paid in full | Paid in full |
| Advanced Medical Imaging (MRI, CT and PET scans)As part of inpatient, daypatient or outpatient treatment. | $10,000/€7,400/£6,650 | $30,000/€22,200/£19,200 | Paid in full |
| RehabilitationWe will pay for: Physiotherapy; Occupational therapy; Cognitive and Speech therapies; and Cardiac and pulmonary rehabilitation. | $5,000/€3,700/£3,325Up to 30 days | $10,000/€7,400/£6,650Up to 60 days | Paid in fullUp to 90 days |
| Home nursing | $2,500/€1,850/£1,650Up to 30 days | $5,000/€3,700/£3,325Up to 60 days | Paid in fullUp to 120 days |
| Acupuncture & Chinese Medicine | $1,500/€1,100/£1,000 | $2,500/€1,850/£1,650 | Paid in full |
| Palliative care | $35,000/€25,900/£23,275 | $60,000/€44,400/£38,400 | Paid in full |
| Prosthetic devices | Paid in full | Paid in full | Paid in full |
| Local ambulance & air ambulance services | Paid in full | Paid in full | Paid in full |
| Mental and Behavioural Health CareAs part of inpatient, daypatient or outpatient treatment.*Day limit only applies to inpatient and daypatient treatments. | $5,000/€3,700/£3,325Up to 30 days* | $10,000/€7,400/£6,650Up to 60 days* | Paid in fullUp to 90 days* |
| Treatment for ObesityWaiting period applies. 24 MONTHS | Not covered | 70% refund up to $20,000/€14,800/£13,300 | 80% refund up to $25,000/€18,500/£16,500 |
| Cancer preventative surgeryWaiting period applies. 12 MONTHS | $10,000/€7,400/£6,650 | $18,000/€13,300/£12,000 | $20,000/€14,800/£13,300 |
| Extensive Cancer Care | Paid in full | Paid in full | Paid in full |
| Cancer related appliancesIncludes wigs / headbands and mastectomy bras for cancer patients | $125/€100/£85 per lifetime per cancer related appliance | $250/€185/£165 per lifetime per cancer related appliance | $500/ €370/£335 per lifetime per cancer related appliance |
| Congenital conditions | $5,000/€3,700/£3,325 | $20,000/€14,800/£13,300 | $50,000/€40,000 /£33,000 |
| Out of Area Emergency Hospitalisation CoverFor beneficiaries who do not have Worldwide including USA coverage. Only includes inpatient and daypatient treatment costs. | $100,000/€75,000/£65,000 | $250,000/€200,000/£162,500 | Paid in full |
| International Medical Insurance | |||
| Global Telehealth | |||
| Benefit | Silver | Gold | Platinum |
| Global Telehealth with TeladocVideo and phone doctor consultations via the Cigna Wellbeing® App, or via a referral from our Customer Care team for non-emergency health issues. | Unlimited consultations | Unlimited consultations | Unlimited consultations |
| Parent and Baby Care | |||
| ** For treatment incurred in either the UK, 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. | |||
| Benefit | Silver | Gold | Platinum |
| Routine maternity careWaiting period applies. 12 MONTHS**** For treatment incurred in either the UK, 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. | Not covered | $7,000/€5,500/£4,500 | $14,000/€11,000/£9,000 |
| Complications from maternityWaiting period applies. 12 MONTHS**** For treatment incurred in either the UK, 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. | Not covered | $14,000/€11,000/£9,000 | $28,000/€22,000/£18,000 |
| HomebirthsWaiting period applies. 12 MONTHS**** For treatment incurred in either the UK, 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. | Not covered | $500/€370/£335 | $1,100/€850/£700 |
| Newborn CareThe newborn may be required to be medically underwritten. | $25,000/€18,500/£16,500For first 90 days from birth | $75,000/€55,500/£48,000For first 90 days from birth | $156,000/€122,000/£100,000For first 90 days from birth |
| Family Building Support with Carrot | Not covered | Not covered | Paid in full |
| International Outpatient | |||
| OPTIONAL MODULE | |||
| The following details the optional benefits available to add to your core cover - International Medical Insurance. You can add as many optional benefits as you wish to build a plan that suits your needs. | |||
| Paid in full, up to the annual benefit maximum, if applicable, for your selected plan per beneficiary per period of cover. | |||
| Not covered. | |||
| Waiting period applies. | |||
| 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. | |||
| ** For treatment incurred in either the UK, 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. | |||
| Benefit | Silver | Gold | Platinum |
| Annual International Outpatient benefit maximum - per beneficiary per period of cover. | $15,000/€12,000/£9,650 | $35,000/€25,900/£23,275 | Paid in full |
| Consultations and outpatient procedures with medical practitioners and specialists | $2,500/€1,850/£1,650 | $7,500/€6,000/£4,825 | Paid in full |
| Prescribed drugs and dressings | $1,500/€1,100/£1,000 | $4,500/€3,300/£3,000 | Paid in full |
| Pathology, Radiology and diagnostic tests (excluding Advanced Medical Imaging) | $2,500/€1,850/£1,650 | $5,000/€3,700/£3,325 | Paid in full |
| Outpatient RehabilitationWe will pay for: Outpatient Physiotherapy; Outpatient Occupational therapy; Osteopathy and Chiropractic treatment; Speech therapy; Cardiac and pulmonary rehabilitation. | $5,000/€3,700/£3,325 | $15,000/€12,000/£9,650 | Paid in full |
| Pre-natal and post natal careWaiting period applies. 12 MONTHS**** For treatment incurred in either the UK, 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. | Not covered | $3,500/€2,750/£2,250 | $7,000/€5,500/£4,500 |
| Infertility Investigations and treatmentWaiting period applies. 24 MONTHSUp to a maximum of 4 attempts per lifetime. Available to beneficiaries up to 41 years old. | Not covered | Not covered | $10,000/€7,400/£6,650 |
| Hormone Therapy | $500/€370/£335 | $1,000/€740/£665 | $1,500/€1,100/£1,000 |
| Sleep Apnoea | Not covered | $1,500/€1,100/£1,000 | $2,000/€1,480/£1,330 |
| Genetic Cancer testWaiting period applies. 12 MONTHS | $1,000/€740/£665 | $2,000/€1,480/£1,330 | $4,000/€2,950/£2,650 |
| Acupuncture & Chinese medicineUp to a combined maximum of 15 consultations per period of cover. | $2,500/€1,850/£1,650 | $5,000/€3,700/£3,325 | Paid in full |
| Durable medical equipment | Paid in full | Paid in full | Paid in full |
| Hearing Aids | $500/€370/£335 | $5,000/€3,700/ £3,325 | Paid in full |
| Adult vaccinations | $250/€185/£165 | Paid in full | Paid in full |
| Dental accidents | $1,000/€740/£665 | Paid in full | Paid in full |
| Child and Adolescence Wellbeing health | Paid in full | Paid in full | Paid in full |
| 60+ Pre-Existing Condition Care | $500/€370/£335 | $1,500/€1,100/£1,000 | $3,000/€2,220/£2,000 |
| 40-59 Pre-Existing Condition Care | Not covered | Not covered | $2,000/€1,480/£1,330 |
| International Medical Evacuation | |||
| OPTIONAL MODULE | |||
| Paid in full, up to the annual benefit maximum, if applicable, for your selected plan per beneficiary per period of cover. | |||
| Not covered. | |||
| Waiting period applies. | |||
| 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. | |||
| Benefit | Silver | Gold | Platinum |
| International Medical Evacuation Annual benefit maximum - per beneficiary per period of cover. | Paid in full | Paid in full | Paid in full |
| Medical evacuation | Paid in full | Paid in full | Paid in full |
| Medical repatriation | Paid in full | Paid in full | Paid in full |
| Repatriation of mortal remains | Paid in full | Paid in full | Paid in full |
| Travel cost for an accompanying person | Paid in full | Paid in full | Paid in full |
| Compassionate visit - travel costsUp to a maximum of 5 trips per lifetime. | $1,200/€1,000/£800 | $1,200/€1,000/£800 | $1,200/€1,000/£800 |
| Compassionate visit - living allowance costsPer day up to 10 days per visit. | $155/€125/£100 | $155/€125/£100 | $155/€125/£100 |
| International Health & Wellbeing | |||
| OPTIONAL MODULE | |||
| Paid in full, up to the annual benefit maximum, if applicable, for your selected plan per beneficiary per period of cover. | |||
| Not covered. | |||
| Waiting period applies. | |||
| 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. | |||
| Benefit | Silver | Gold | Platinum |
| Life Management Assistance programme24/7 access to counsellors for mental and behavioural health support. | Paid in full | Paid in full | Paid in full |
| Mental Health Support ProgrammeUp to 20 face to face counselling sessions per condition per period of cover. | Paid in full | Paid in full | Paid in full |
| Wellness CoachingAccess to a personal wellness coach for lasting lifestyle changes. | Paid in full | Paid in full | Paid in full |
| Routine adult physical examination | $325 / €250 / £220 | $650 / €500 / £440 | $2,000/€1,600/£1,300 |
| Footcare by a Chiropodist or Podiatrist | $325/€250/£220up to 5 sessions | $650/€500/£440up to 10 sessions | $2,000/€1,600/£1,300up to 20 sessions |
| Cervical cancer screening | $325 / €250 / £220 | $650 / €500 / £440 | Paid in full |
| Prostate cancer screening | $325 / €250 / £220 | $650 / €500 / £440 | Paid in full |
| Breast cancer screening | $325 / €250 / £220 | $650 / €500 / £440 | Paid in full |
| Bowel cancer screening | $325 / €250 / £220 | $650 / €500 / £440 | Paid in full |
| Skin cancer screening | $325 / €250 / £220 | $650 / €500 / £440 | Paid in full |
| Lung cancer screening | $325 / €250 / £220 | $650 / €500 / £440 | Paid in full |
| Diabetes screening | $325 / €250 / £220 | $650 / €500 / £440 | Paid in full |
| Bone densitometry | $325/€250/£220 | $650/€500/£440 | Paid in full |
| Dietetic consultations1 consultation available to all eligible beneficiaries.Up to 4 consultations per period of cover. | $325 / €250 / £220 | $650 / €500 / £440 | Paid in full |
| International Vision & Dental | |||
| Vision Care | |||
| OPTIONAL MODULE | |||
| Paid in full, up to the annual benefit maximum, if applicable, for your selected plan per beneficiary per period of cover. | |||
| Not covered. | |||
| Waiting period applies. | |||
| 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. | |||
| Benefit | Silver | Gold | Platinum |
| Eye Test1 eye examination per period of cover. | $100/€75/£65 | $200/€150/£130 | Paid in full |
| Expenses for: Spectacle lenses; Contact lenses; Spectacle frames; Prescription sunglasses. | $155/€125/£100 | $200/€150/£130 | $310/€245/£200 |
| Dental Treatment | |||
| Benefit | Silver | Gold | Platinum |
| Annual Dental benefit maximum - per beneficiary per period of cover. | $1,250/€930/£830 | $2,500/€1,850/£1,650 | $5,500/€4,300/£3,500 |
| PreventativeWaiting period applies. 3 MONTHS | Paid in full | Paid in full | Paid in full |
| RoutineWaiting period applies. 3 MONTHS | 80% refund | 90% refund | Paid in full |
| Major restorativeWaiting period applies. 12 MONTHS | 70% refund | 80% refund | Paid in full |
| Orthodontic treatmentWaiting period applies. 18 MONTHSAvailable up to 18 years old | 40% refund | 50% refund | 50% refund |