Cigna Healthcare · international tier
Cigna Global
Cigna Global is a flexible international health plan from one of the largest US health insurers, particularly popular with American and other expats in Thailand who want a customisable build-your-own structure. The plan lets you choose between three core inpatient tiers and bolt on outpatient, dental, vision, evacuation and maternity modules separately. It has an extensive Thai hospital network with direct billing at major Bangkok and Phuket facilities. Cigna is known for fast claim turnaround and a strong telehealth app, although premiums sit at the higher end of the market and pre-existing conditions are tightly underwritten at application.
Monthly Cost by Age
Age 30
160–320 USD/mo
Age 40
220–450 USD/mo
Age 50
320–650 USD/mo
Age 60
550–950 USD/mo
Ranges are industry averages; quotes vary by deductible, plan tier, and underwriting.
Pros
- + Highly modular — pick inpatient, outpatient, dental, maternity and evacuation separately
- + Unlimited annual cover available on the top Platinum tier
- + Strong telehealth and global virtual GP service included
- + Direct billing accepted at all major Bangkok private hospitals
Cons
- − Evacuation is a paid module rather than included by default
- − Premiums on the Platinum tier are among the highest in Thailand
- − Strict medical underwriting and exclusions on pre-existing conditions
Network Hospitals (Sample)
Frequently Asked Questions
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