Cigna Global at 4,820 dollars a year for a family of 4 worldwide minus US. The structural long term expat product, real coverage, real network.
Cigna Global is real private medical insurance, not travel insurance. Cover includes inpatient, outpatient, maternity, chronic conditions, mental health, vision, and dental as buildable modules. Direct billing network covers Bumrungrad in Bangkok, Mount Elizabeth in Singapore, Acibadem in Istanbul, Cleveland Clinic Abu Dhabi. The competing product is SafetyWing, which is travel insurance.
Base premium for a family of 4 worldwide minus US: 4,820 a year. Add US: 11,200. Add maternity: 380 per adult. Add dental: 320 per person. Add vision: 120 per person. Fully loaded with US: 13,840 a year (1,153 a month). Allianz Care equivalent: 12,800.
Direct billing network is thinner in cities outside major capitals. A Cigna policyholder in Salzburg, Galway, or Kanazawa will likely pay out of pocket and claim. The maternity wait is 10 months. Cigna does not write coverage for US residents. Pre existing condition exclusions are aggressive on first issue.