Cigna Individual Health Insurance Cost - Cigna health insurance plans can be a good option for expats who need health insurance while working and living in Singapore, or consumers looking for unlimited coverage. However, its above-average price and very comprehensive plans may turn off power users or those looking without plans that cover frequent but short business trips.
Cigna Global Health Insurance can be a good option for expats working abroad and Singaporeans who are willing to pay above-average rates for very robust and comprehensive coverage. It is also one of the best options for seniors above 65 years due to the premiums being lower than the average for this age bracket in Singapore. There are 3 plans to choose from: Silver Plan, Gold Plan and Platinum Plan. These plans are usually around or above the market average. The coverage area is global except US and global including US. You can also customize your plan by adding optional packages that range from outpatient to eye and dental.
Cigna Individual Health Insurance Cost
While Cigna may not be the best choice for healthy, cost-conscious consumers because of its expensive base plan, it can certainly provide value for consumers who are willing to spend more to get comprehensive coverage without of annual caps. For example, all plans include full coverage of hospital charges, surgery, intensive care, surgeons and anesthetists' fees, and major treatments such as cancer. It is also one of the few insurance companies that covers treatment costs for mental illness, disorders, addictions and routine maternity care in its basic plan. So while Cigna is actually more expensive than some other international health insurance, it can benefit consumers who find value in additional coverage. However, one potential drawback is that Cigna does not provide emergency medical reimbursement in its basic plans. However, the cost of inclusion is less than $200 per year.
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Cigna Global's most basic plan is well above the average for basic level plans, with premiums costing up to 85% of the average per year, depending on age. Therefore, we do not recommend this plan for users who are looking for budget plans.
Premiums are for 0% cost-sharing plans with a maximum cost of SGD 0 and a deductible of SGD 750. Premiums are converted from USD to SGD at an exchange rate of 1:1.34.
One aspect that could potentially make this plan worth its hefty price tag is its exceptional $5,000 mental health and addiction treatment coverage. You also have access to all the optional Cigna Global packages – a useful feature not usually found with basic plans from other insurance companies. However, if you absolutely do not need these additional benefits, we recommend more affordable insurance companies such as MSIG, Liberty Insurance or FWD.
The Cigna Gold Plan can be a good option for wealthy Singaporean families abroad and expats in Singapore. Compared to silver plan premiums, gold plan premiums are much closer to the average price of its peers, making it more affordable for consumers looking for a mid-range plan. It is also particularly attractive to seniors above 70, as its premiums are 30-40% lower than the average for this age group.
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The Gold Plan offers a range of benefits, from comprehensive coverage for cancer, hospitalization, emergency and ICU, to many benefits that are sure to please families, such as home birth, postnatal Complications and routine follow-up care. In addition, while other insurers may charge thousands of dollars extra for these maternity benefits, Cigna bundles them into its base plan, making the Gold plan relatively affordable. On the other hand, due to the high price, we do not recommend this option for young, price-sensitive users. While the benefits are many and some have unique coverage, such as mental health treatment and maternity care, healthy people may be paying more for services they don't need.
If you're willing to pay extra for unlimited coverage with no annual cap, the Cigna Platinum Plan is your best option. No annual limit, complete coverage of almost all benefits provided by Cigna Global, such as medical imaging, cancer treatment, organ and stem cell transplants, physiotherapy, home care, rehabilitation and much more. For all these added benefits, the Platinum Plan premium costs only 25% above the top tier average, and seniors over 70 see premiums that are actually 20% below the top tier average.
Cigna Platinum also provides full coverage for routine and emergency maternity care and home births, and hospital stays for parents, making the Platinum plan comprehensive enough for the extended family without the need for price increases. As with other Cigna plans, the Platinum Plan is not a good option for consumers who are on a tight budget or only need basic coverage for medical emergencies or accidents. Instead, because of the benefits it offers, it is definitely a plan aimed at families who need to move because of a long-term work plan.
Cigna Global offers several optional add-on packages with benefits that vary based on the base plan. There are four additional packages: outpatient, international medical evacuation, health and wellness, and vision and dentistry. All four packages vary greatly in price, with the medical evacuation package costing less than $200 per year in the United States and outpatient care costing several thousand additional dollars per year. Since each package can be quite expensive, we would only recommend them to users who need the coverage offered in these packages.
Health Insurance Plans For Employers
Annual Routine Checkups, Pediatric Vaccinations, Pediatric Exams, Durable Equipment Rentals, Alternative Medicine, Osteopathic/Chiropractic, Pathology/Radiology, Physiotherapy, Adult Vaccinations, Dental Accidents, Prenatal Care*, Specialist Consultations , care 60+ care)) *, reinforcement speech
Routine Physical Exam, Pap Smear, Prostate Cancer Screening, Mammograms, Colorectal Cancer Screening, Bone Densitometry, Diabetes Counseling**, Life Management Assistant/Online Health Education
Cigna has standard policy exclusions (listed below), but may be able to cover you for conditions listed in the general exclusions. This includes some pre-existing medical conditions. Their list of exclusions is also small compared to other insurers, which may benefit those looking for policies that are fairly lax in terms of exclusions.
You can file a claim with Cigna by contacting Cigna's customer service team before treatment to arrange direct payment. They will work with you to find the right hospital and doctor. If you have paid for treatment and want to be reimbursed, you can go to their claims page (link below) and complete the appropriate form. Then you can send them by fax, email or post. It usually takes 5 business days to consider a complaint.
Global Health Options Plans
Having the right health insurance can mean that you will be well protected in a medical emergency, of any kind. That's why it's important to choose the right plan for your medical needs and to compare prices to know you're getting the best value for your money. We've summarized Cigna's benefits and coverage below, and if you want to compare it to other plans on the market, you can read our guide to the best international health insurance.
Anastasia is a senior research analyst in Singapore and evaluates consumer insurance products based on quantitative and qualitative financial analysis. She graduated in economics and international business management, and her previous professional experience includes working in the capital market sector. His analyzes on insurance, healthcare, international relations and personal finance have been featured in Asia One, Business Insider, DW, Vice, Her World, Asia Insurance Review, Australian Institute of International Affairs and others.
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We try to keep our site with the most up-to-date information, but users should contact the appropriate financial institution if they have any questions, including eligibility to purchase financial products. Should not engage in or be involved in the distribution or sale of any financial product or assume any risk or responsibility in connection with any financial product. The Site does not review or cover all companies or all available products. Do you buy insurance on your own? Open Enrollment for 2023 projects has ended. If you had a qualifying life event, you may still be eligible for the plan during special enrollment.
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Not eligible to purchase a plan during special signup? Open enrollment for 2024 will begin on 1 November 2023. Meanwhile, you can go back and review the plan offers.
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