AI DoctorGet Quote
Friends sitting arm in arm looking out over a city
/Compare

Compare

vs

Cigna Global vs Bupa Global

Document-scoped comparison: Cigna Global and Bupa Global. Match current issuer, market, benefit version and accepted terms before comparing quotations. No universal winner is established.

ExpatMedicare educational information · Policy terms govern

Which published facts matter for you

Full review ↗
Product & market scope

Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.

Full review ↗
Product & market scope

BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.

01

Insurer and regulator

The broker document index distinguishes Belgian, UK-branch, Guernsey, Hong Kong and Singapore issuing entities. The policy schedule—not the Cigna brand—identifies your insurer and regulator.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

Bupa Insurance Limited is authorised by the PRA and regulated by FCA and PRA, registration 203332. Bupa Insurance Services Limited is a separate FCA-regulated service entity, registration 312526. Footer states FCA does not regulate Bupa Insurance Limited activities outside the UK. Do not substitute DAC or Hong Kong issuers.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
02

Plan tiers

Silver, Gold and Platinum are broader international tiers. Close Care is a separate geographically restricted product, not equivalent worldwide cover at a lower tier.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

Major Medical, Select, Premier, Elite and Ultimate. Familiar tier names do not establish equivalent benefits across BINS, DAC and Hong Kong contracts.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
03

Overall annual limit

Per beneficiary per period of cover: Silver US$1m, Gold US$2m, Platinum Paid in Full, Close Care US$500,000. Benefit sublimits, exclusions and medical necessity still apply. These are benefit ceilings, not premiums.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

Per person: Major Medical US$3.4m / €2.5m / £2m; Select US$1.7m / €1.25m / £1m; Premier US$2.55m / €1.875m / £1.5m; Elite US$5.1m / €3.75m / £3m; Ultimate Unlimited. Sublimits apply. Major Medical has a higher overall maximum than Select despite narrower everyday cover.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
04

How the plan is built

Broader tiers combine core International Medical Insurance with up to four optional modules: International Outpatient; International Medical Evacuation; International Health and Wellbeing; International Vision and Dental. Do not transfer this menu to Close Care. Its September 2024 guide describes separate outpatient/wellness and dental options; current availability is unresolved.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

Tiered Global Health Plans customised through area, deductible and pricing frequency. Major Medical emphasises hospital/cancer/evacuation; broader tiers add everyday benefits. This is not the modular Worldwide Health Options family.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
05

Areas of cover

Broader plans offer worldwide including USA or worldwide excluding USA. Close Care is scoped to country of residence and nationality; request its current permitted-country and temporary-travel rules.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

All five tiers list Worldwide or Worldwide without U.S. Select, Premier and Elite additionally list Europe including UK; the European option is not listed for Major Medical or Ultimate.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
06

US treatment

USA inclusion is an area choice. Worldwide excluding USA is not unrestricted US treatment. Any emergency-outside-area exception requires its own conditions and duration.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

Worldwide includes USA. The Worldwide without U.S. option lists 28 days emergency US cover across all five tiers, subject to conditions. That exception is not attached to Europe-only cover.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
07

Hospital deductible options

Broader core USD deductibles: 0 / 375 / 750 / 1,500 / 3,000 / 7,500 / 10,000. Outpatient deductibles are separate; optional percentage cost share is additional. These are not confirmed Close Care choices.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

Ultimate has no deductible. Select/Premier/Elite separate outpatient day-to-day from other benefits; outpatient GBP choices 0 / 250 / 500 / 1,000. Major Medical lists GBP0/500/1,000/2,000 for UK residents only and GBP5,000 for UK and Channel Islands residents. Do not drop the residence qualifications.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
08

Outpatient

International Outpatient is optional: annual maximum Silver US$15,000, Gold US$35,000, Platinum Paid in Full, with sublimits. A current core table places US$5,000 beside kidney dialysis, not routine Close Care outpatient, and has a separate inconsistent dialysis row. Do not claim a built-in US$5,000 outpatient allowance without current wording.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

Annual day-to-day outpatient: Major Medical not covered; Select US$12,800 / €9,400 / £7,500; Premier US$25,500 / €18,750 / £15,000; Elite US$85,000 / €62,500 / £50,000; Ultimate Unlimited. Services retain visit limits and other conditions.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
09

Maternity and waiting period

Routine maternity in core: Silver not covered; Gold US$7,000; Platinum US$14,000. The standard wait is 12 months with treatment-location exceptions that may require 24 months. Optional outpatient prenatal/postnatal limits are separately US$3,500 for Gold and US$7,000 for Platinum. Check location, event, complications and newborn rules.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

Routine maternity/childbirth on Elite and Ultimate with an 18-month wait; not on Major Medical, Select or Premier. Complications and newborn provisions require separate reading; inclusion is not automatic unlimited cover.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
10

Dental and optical

International Vision and Dental is optional for broader tiers, with its own limits and waits. Emergency inpatient dental is not routine dental or optical cover. Close Care options require current confirmation.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

Preventive and routine dental from Premier upward, not Major Medical or Select; six-month waits are stated. Accident-related dental is separate across all tiers. Optical entries and limits must be read in the selected tier table.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
11

Medical evacuation

International Medical Evacuation is optional for broader tiers. Core ambulance is not equivalent to evacuation/repatriation. The generic Close Care ambulance row specifies road only.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

Evacuation lists Paid in full across all tiers subject to definitions and approval. Ultimate adds extensions including a separately listed non-medical evacuation benefit; it is not the same package as the lower tiers.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
12

Pre-existing conditions

Medical underwriting and accepted exclusions govern. February 2026 literature describes narrowly defined 60+ Pre-Existing Condition Care and Platinum 40–59 Pre-Existing Condition Care. These are not blanket acceptance of every existing condition.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

Certain pre-existing conditions may be accepted subject to underwriting. Exclusions state such conditions are excluded unless cover including medical loading has been applied for, with loading on the quote. This is not unconditional acceptance or evidence of a moratorium option.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
13

Direct billing and claims

Exact current provider and authorisation conditions remain to be confirmed in the customer guide and policy rules. Do not assume every hospital or outpatient visit is cashless.

Awaiting verification · February 2026 · generic CGHO

Official evidence ↗

Many facilities offer cashless settlement for hospital treatment according to the brochure. It does not promise every facility or routine outpatient service will bill directly; verify authorisation and payment guarantee.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
14

Maximum age to join

Current market-specific new-entry age rules remain unverified here. An age-banded benefit or quote returned for age 75 does not establish new-applicant eligibility.

Awaiting verification · February 2026 · generic CGHO

Official evidence ↗

The exact May 2026 Bupa Insurance Limited no-upper-entry-age clause has not been recovered. Do not infer new-applicant age eligibility from this April brochure, a quote or renewal terms.

Awaiting verification · BINS Global Health Plans · April 2026

Official evidence ↗
15

Renewal

The dated table applies to annual policies commencing or renewing from 15 February 2026. Guaranteed-renewability, age and termination clauses require the applicable current contract.

Awaiting verification · February 2026 · generic CGHO

Official evidence ↗

Table lists automatic renewal and no cancellation based on claims pattern/history for all five tiers. This does not promise unchanged premiums/benefits or remove other contractual termination grounds.

Source-scoped evidence · BINS Global Health Plans · April 2026

Official evidence ↗
16

Cooling-off

Request the issuing-entity cancellation clause: window, starting event and refund/no-claim conditions. No universal cooling-off period is established.

Awaiting verification · February 2026 · generic CGHO

Official evidence ↗

The exact Ultimate no-claims 30-day refund clause remains unverified. No universal 30-day Bupa refund is asserted; obtain the applicable issuer and cancellation terms.

Awaiting verification · BINS Global Health Plans · April 2026

Official evidence ↗
17

Paying monthly

February 2026 brochure offers annual, quarterly and monthly payment. Monthly instalments do not establish a month-to-month cancellable policy; no monthly premium is supplied.

Source-scoped evidence · February 2026 · generic CGHO

Official evidence ↗

Brochure confirms a choice of pricing frequency; exact monthly instalment terms, loading and cancellation implications remain unverified. No monthly premium is supplied.

Awaiting verification · BINS Global Health Plans · April 2026

Official evidence ↗

Sources for each comparison question

Insurer and regulator: Insurer and regulator · official evidence · Insurer and regulator · official evidence

Plan tiers: Plan tiers · official evidence · Plan tiers · official evidence

Overall annual limit: Overall annual limit · official evidence · Overall annual limit · official evidence

How the plan is built: How the plan is built · official evidence · How the plan is built · official evidence

Areas of cover: Areas of cover · official evidence · Areas of cover · official evidence

US treatment: US treatment · official evidence · US treatment · official evidence

Hospital deductible options: Hospital deductible options · official evidence · Hospital deductible options · official evidence

Outpatient: Outpatient · official evidence · Outpatient · official evidence

Maternity and waiting period: Maternity and waiting period · official evidence · Maternity and waiting period · official evidence

Dental and optical: Dental and optical · official evidence · Dental and optical · official evidence

Medical evacuation: Medical evacuation · official evidence · Medical evacuation · official evidence

Pre-existing conditions: Pre-existing conditions · official evidence · Pre-existing conditions · official evidence

Direct billing and claims: Direct billing and claims · official evidence · Direct billing and claims · official evidence

Maximum age to join: Maximum age to join · official evidence · Maximum age to join · official evidence

Renewal: Renewal · official evidence · Renewal · official evidence

Cooling-off: Cooling-off · official evidence · Cooling-off · official evidence

Paying monthly: Paying monthly · official evidence · Paying monthly · official evidence

Source versions and boundaries

Close Care Customer Guide · September 2024

Archival document · not current benefits

Document / page version
September 2024 · historical version
Market / jurisdiction
Close Care residence/nationality product; applicability to a current local offer unconfirmed
Issuing entity
Confirm the issuing insurer and current contract; this guide is not proof of every residence offer.

Guide describes optional Outpatient and Wellness Care and Dental Care and Treatment. This conflicts with the supplied no-modules assertion and cannot establish current 2026 packaging.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Cigna plans in detail

Inspected first-party source · limited scope

Document / page version
Live page; benefit-table note: annual policies commencing or renewing on/after 15 February 2026
Market / jurisdiction
Generic international product presentation; not a local-license policy schedule
Issuing entity
Your legal issuing insurer is not established by this sales table.

Silver, Gold, Platinum and Close Care overall maxima and table caveats. Individual benefits retain their own definitions, restrictions and exclusions.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Cigna Global Professionals

Inspected first-party source · limited scope

Document / page version
Undated live sales page inspected on the check date
Market / jurisdiction
Generic international sales information; residence eligibility must be confirmed
Issuing entity
Confirm the legal entity on the residence-specific quotation.

Area/currency choices and optional outpatient, evacuation, wellbeing and vision/dental modules. A sales page is not evidence of availability in every residence market.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Cigna broker brochure · February 2026

Inspected first-party source · limited scope

Document / page version
February 2026; benefit table for annual policies commencing/renewing on or after 15 February 2026
Market / jurisdiction
Generic CGHO brochure; USD examples here are not local-market offers
Issuing entity
No single local policy issuer is established for all readers; confirm the applicable issuing entity.

International Medical Insurance deductible options; separate outpatient deductible table. This is promotional literature, not your accepted schedule.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Cigna IPID applicability notice

Inspected first-party source · limited scope

Document / page version
Undated live resources page inspected on the check date
Market / jurisdiction
EU, UK and non-EU IPIDs; explicit local-license exceptions
Issuing entity
Applicable local issuer and substitute documents must be requested from Cigna.

The listed CGHO IPIDs do not apply to individuals covered under local licences in Singapore, Hong Kong, Thailand, Indonesia or UAE. This exception does not mean all residents are ineligible; it means those IPIDs are not their governing documents.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Insurer and regulator · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Plan tiers · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Overall annual limit · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

How the plan is built · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Areas of cover · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

US treatment · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Hospital deductible options · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Outpatient · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Maternity and waiting period · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Dental and optical · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Medical evacuation · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Pre-existing conditions · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Direct billing and claims · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Reference for investigation; the exact contractual claim remains unverified.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Maximum age to join · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Reference for investigation; the exact contractual claim remains unverified.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Renewal · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Reference for investigation; the exact contractual claim remains unverified.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Cooling-off · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Reference for investigation; the exact contractual claim remains unverified.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Paying monthly · official evidence

Inspected first-party source · limited scope

Document / page version
February 2026 · generic CGHO
Market / jurisdiction
Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Bupa Global official download centre

Inspected first-party source · limited scope

Document / page version
Undated live document index inspected on the check date
Market / jurisdiction
Multiple product families and region-specific document collections
Issuing entity
An index does not establish the insurer of a particular quotation.

Distinguishes Worldwide Health Options from Hong Kong Global Health Plans and other regional collections. A linked application form does not verify current benefit limits.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Worldwide Health Options · December 2025

Inspected first-party source · limited scope

Document / page version
From 1 December 2025 · DAC-BWHO-EN-DEC25
Market / jurisdiction
DAC-version Worldwide Health Options; not the Hong Kong five-tier document
Issuing entity
Brochure identifies Bupa Global Designated Activity Company (Bupa Global DAC), trading as Bupa Global, registered in Ireland.

Core Worldwide Medical Insurance and optional Medical Plus, Medicines and Equipment, Wellbeing and Evacuation. This document does not establish Hong Kong availability or a residence-specific offer.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Global Health Plans · April 2026

Inspected first-party source · limited scope

Document / page version
April 2026 · BINS-BGHP-EN-APR26
Market / jurisdiction
BINS-version Global Health Plans; not a refreshed Hong Kong benefits comparison
Issuing entity
Legal footer identifies Bupa Insurance Limited and Bupa Insurance Services Limited; the latter is not interchangeable with the underwriting insurer. Check the contract.

A fresher tiered-family brochure, distinct from Worldwide Health Options and the November 2024 HKX table. Its market and numeric benefits must not be transferred to Hong Kong.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Hong Kong comparison table · November 2024 archive

Archival document · not current benefits

Document / page version
1 November 2024
Market / jurisdiction
Hong Kong; not an offer or solicitation outside Hong Kong
Issuing entity
Confirm the current Hong Kong legal issuer and policy version; this archived table is not a current contract.

Historical illustration of five tiers only. No 2024 numeric limits are reproduced as 2026 benefits. Current Hong Kong limits, tier availability and acceptance await confirmation.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Insurer and regulator · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Plan tiers · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Overall annual limit · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

How the plan is built · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Areas of cover · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

US treatment · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Hospital deductible options · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Outpatient · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Maternity and waiting period · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Dental and optical · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Medical evacuation · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Pre-existing conditions · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Direct billing and claims · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Maximum age to join · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Reference for investigation; the exact contractual claim remains unverified.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Renewal · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Supports the stated claim within its product/version scope only.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Cooling-off · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Reference for investigation; the exact contractual claim remains unverified.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Paying monthly · official evidence

Inspected first-party source · limited scope

Document / page version
BINS Global Health Plans · April 2026
Market / jurisdiction
BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure.
Issuing entity
See claim-specific issuer and applicable policy schedule.

Reference for investigation; the exact contractual claim remains unverified.

Source checked on 18 October 2026. No continuous monitoring or personal eligibility confirmation.

Read the official source

Comparing these families

Are these identical-market quotations?

No. The seventeen terms retain each document’s own product, issuer and version scope. Obtain two genuinely available offers with the same people, residence, area, benefits, deductible, currency and accepted medical terms.

Can the overall benefit maximum decide the better plan?

No. An annual maximum is not a premium or an assurance that a specific treatment is eligible. Everyday care, waiting periods, contributions, accepted medical history, provider access and renewal can matter independently.

Can I rely on a quote returned for age 75?

A returned quotation does not establish eligibility for a new applicant. Obtain issuer-specific entry-age and underwriting confirmation before paying or replacing cover.

Explore the published facts

All comparisonsCigna Global reviewAXA Global Healthcare reviewAllianz Care reviewBupa Global review
AXA Global Healthcare vs Cigna GlobalAXA Global Healthcare vs Bupa GlobalCigna Global vs Allianz CareBupa Global vs Allianz CareAXA Global Healthcare vs Allianz Care

Evidence boundaries

Evidence & verification scope

Inspected first-party document-level distinctions only. Exact current local policy, accepted underwriting, network and quotation remain to be confirmed. No like-for-like numeric ranking, endorsement or partnership is asserted.

  • Close Care Customer Guide · September 2024 ↗

    Close Care residence/nationality product; applicability to a current local offer unconfirmed · Portal checked 18 October 2026

    September 2024 · historical version. Guide describes optional Outpatient and Wellness Care and Dental Care and Treatment. This conflicts with the supplied no-modules assertion and cannot establish current 2026 packaging.

  • Cigna plans in detail ↗

    Generic international product presentation; not a local-license policy schedule · Portal checked 18 October 2026

    Live page; benefit-table note: annual policies commencing or renewing on/after 15 February 2026. Silver, Gold, Platinum and Close Care overall maxima and table caveats. Individual benefits retain their own definitions, restrictions and exclusions.

  • Cigna Global Professionals ↗

    Generic international sales information; residence eligibility must be confirmed · Portal checked 18 October 2026

    Undated live sales page inspected on the check date. Area/currency choices and optional outpatient, evacuation, wellbeing and vision/dental modules. A sales page is not evidence of availability in every residence market.

  • Cigna broker brochure · February 2026 ↗

    Generic CGHO brochure; USD examples here are not local-market offers · Portal checked 18 October 2026

    February 2026; benefit table for annual policies commencing/renewing on or after 15 February 2026. International Medical Insurance deductible options; separate outpatient deductible table. This is promotional literature, not your accepted schedule.

  • Cigna IPID applicability notice ↗

    EU, UK and non-EU IPIDs; explicit local-license exceptions · Portal checked 18 October 2026

    Undated live resources page inspected on the check date. The listed CGHO IPIDs do not apply to individuals covered under local licences in Singapore, Hong Kong, Thailand, Indonesia or UAE. This exception does not mean all residents are ineligible; it means those IPIDs are not their governing documents.

  • Insurer and regulator · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • Plan tiers · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • Overall annual limit · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • How the plan is built · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • Areas of cover · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • US treatment · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • Hospital deductible options · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • Outpatient · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • Maternity and waiting period · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • Dental and optical · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • Medical evacuation · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • Pre-existing conditions · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • Direct billing and claims · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Reference for investigation; the exact contractual claim remains unverified.

  • Maximum age to join · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Reference for investigation; the exact contractual claim remains unverified.

  • Renewal · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Reference for investigation; the exact contractual claim remains unverified.

  • Cooling-off · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Reference for investigation; the exact contractual claim remains unverified.

  • Paying monthly · official evidence ↗

    Generic CGHO literature for annual policies commencing or renewing from 15 February 2026. Not a residence-specific offer. Generic IPIDs expressly exclude local-license policies in Singapore, Hong Kong, Thailand, Indonesia and UAE; request applicable local documents. · Portal checked 18 October 2026

    February 2026 · generic CGHO. Supports the stated claim within its product/version scope only.

  • Bupa Global official download centre ↗

    Multiple product families and region-specific document collections · Portal checked 18 October 2026

    Undated live document index inspected on the check date. Distinguishes Worldwide Health Options from Hong Kong Global Health Plans and other regional collections. A linked application form does not verify current benefit limits.

  • Worldwide Health Options · December 2025 ↗

    DAC-version Worldwide Health Options; not the Hong Kong five-tier document · Portal checked 18 October 2026

    From 1 December 2025 · DAC-BWHO-EN-DEC25. Core Worldwide Medical Insurance and optional Medical Plus, Medicines and Equipment, Wellbeing and Evacuation. This document does not establish Hong Kong availability or a residence-specific offer.

  • Global Health Plans · April 2026 ↗

    BINS-version Global Health Plans; not a refreshed Hong Kong benefits comparison · Portal checked 18 October 2026

    April 2026 · BINS-BGHP-EN-APR26. A fresher tiered-family brochure, distinct from Worldwide Health Options and the November 2024 HKX table. Its market and numeric benefits must not be transferred to Hong Kong.

  • Hong Kong comparison table · November 2024 archive ↗

    Hong Kong; not an offer or solicitation outside Hong Kong · Portal checked 18 October 2026

    1 November 2024. Historical illustration of five tiers only. No 2024 numeric limits are reproduced as 2026 benefits. Current Hong Kong limits, tier availability and acceptance await confirmation.

  • Insurer and regulator · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • Plan tiers · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • Overall annual limit · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • How the plan is built · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • Areas of cover · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • US treatment · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • Hospital deductible options · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • Outpatient · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • Maternity and waiting period · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • Dental and optical · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • Medical evacuation · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • Pre-existing conditions · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • Direct billing and claims · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • Maximum age to join · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Reference for investigation; the exact contractual claim remains unverified.

  • Renewal · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Supports the stated claim within its product/version scope only.

  • Cooling-off · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Reference for investigation; the exact contractual claim remains unverified.

  • Paying monthly · official evidence ↗

    BINS Global Health Plans brochure, April 2026. Bupa Insurance Limited context—not DAC Worldwide Health Options, and not a refreshed Hong Kong HKX table. USD figures belong only to this brochure. · Portal checked 18 October 2026

    BINS Global Health Plans · April 2026. Reference for investigation; the exact contractual claim remains unverified.

Opening an official reference verifies the reference only, not every statement on this page, an individual entitlement or a future rule. Policy issuer, version and personal scope remain to be confirmed.

Next step

Request a document-led comparison of options actually available for your circumstances. Do not cancel existing cover before a replacement's accepted terms and start date are confirmed.

Start with the actual policy documents.

Ask about Cigna Global vs Bupa Global, current wording and the appropriate next steps. No medical records in the initial message.

Request current documents

Keep exploring

International health vs travel insurance

Policy questions, explained.

Pre-existing conditions and medical underwriting

Policy questions, explained.

How to compare international health insurance quotes

Policy questions, explained.
Explore all guides