Cigna Globalread before you sign.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.