What CIGNA Global Reinsurance Company does

Cigna Global Insurance Company Limited (the legal entity behind the Cigna Global Reinsurance Company profile) is a Guernsey-incorporated, GFSC-regulated underwriter that issues international health insurance policies on behalf of The Cigna Group's Cigna Healthcare segment. It underwrites modular plans—International Medical Insurance (core inpatient/day-patient cover), the Plus variant with broader outpatient cover, and add-ons for international emergency evacuation, health and wellbeing, and vision and dental—sold to expatriate individuals, families, students, retirees, SMEs (2–149 employees), large multinational employers (150+ employees), and IGO/NGO and government clients operating across more than 200 markets and territories.

The technical foundation combines a 2.4 million+ provider network, multilingual 24/7 contact centers supporting 50+ languages, and a digital member stack including the Cigna Wellbeing App, the Cigna Links employer portal, and member self-service portals with mobile app distribution on iOS and Android. Differentiated digital features include an AI-powered Symptom Checker (developed with Infermedica) and the Cigna StressWaves voice-biomarker stress assessment (developed with Ellipsis Health). Clinical capabilities include case management programs, an Employee Assistance Programme, second-opinion services, full cancer care, and medical evacuation and repatriation coordinated with International SOS (4,800+ clinicians across 1,000+ locations in 90+ countries).

Commercially the entity operates a subscription-based premium model with monthly billing, quote-based pricing, and customizable deductibles and coinsurance. Distribution is omnichannel: direct digital self-serve with quote-to-bind in under 10 minutes, broker and intermediary networks with dedicated portals, enterprise field sales for large groups, inside sales for scheduled consultation, a specialized IGO/NGO/government channel, and a regional Spanish domestic market presence via cignasalud.es. Underwriting, distribution, and management services are split across Cigna Global Insurance Company Limited (Guernsey, underwriter), Cigna European Services (UK) Limited (London, website and customer operations, registered in England and Wales), and Cigna Insurance Management Services (DIFC) Limited (regulated by the Dubai Financial Services Authority).

Name

CIGNA Global Reinsurance Company

Legal name

Cigna Global Insurance Company Limited

Website

https://cignaglobal.com

Company type

Private

Founded year

1902

Operating status

Operating

Headcount range

251–500 employees

Short description

Cigna Global Insurance Company Limited is the Guernsey-regulated underwriter of Cigna Healthcare's international health insurance plans, serving expatriate individuals, families, students, retirees, multinational employers, and IGO/NGO/government clients across more than 200 markets with modular medical, evacuation, and wellbeing cover delivered through a 2.4M+ provider network and digital member platform.

Ownership category

akta.pro rank

Product category

International Health Insurance

NAICS

Insurance Carriers and Related Activities (524)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

akta.pro secondary industries

International / Expatriate Group Health Plans (FSAIAFAJ), International/Expat Critical Illness & Hospital Indemnity (FSAIAKAJ)

Keywords

• International health insurance
• Expatriate medical coverage
• Global health benefits
• Medical evacuation services
• Health insurance underwriting

Headquarters

HQ city

Glasgow

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. International Health Insurance Premiums: Subscription-based international health insurance premiums charged to individuals, families, employers, and organizations for comprehensive medical coverage across international markets. Plans include core inpatient/daypatient services with optional add-ons for outpatient, dental, vision, wellness, and evacuation coverage.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels8 records

Core offering

Cigna Global Reinsurance Company provides international health insurance products and reinsurance services for individuals, families, employers, intergovernmental and non-governmental organizations, and government officials living or working abroad. The company underwrites modular health plans covering inpatient, outpatient, day-patient, cancer, maternity, psychiatric, dental, vision, wellness, and emergency evacuation needs across 200+ markets, supported by a global network of 2.4 million+ healthcare providers and multilingual 24/7 service centers.

Product overview

Cigna Healthcare offers a comprehensive international health insurance platform with multiple product tiers and modular add-ons. The core offering is International Medical Insurance (with a Plus variant), which provides essential inpatient, day case, and accommodation coverage plus cancer, maternity, and psychiatric care. This core can be extended with optional modules including International Health and Wellbeing (screenings, wellness activities), International Vision and Dental, and International Emergency Evacuation. Specialized sub-products include Regional Health Plans for geographic coverage and Close Care Plans for home country plus one additional destination. The company serves three main segments: Individuals & Families (covering expats, families, students, retirees, and over-60s), Employers (SME 2-149 employees and Large Corporations 150+), and IGO/NGO & Government. Supporting services include a Cigna Wellbeing App (digital access), Telehealth/Virtual Care (24/7 doctor consultations), Cigna Links employer platform, Employee Assistance Programme with mental health support, Medical Second Opinion, Complex Case Management, Medical Evacuation & Repatriation Coverage, and Full Cancer Care. Digital health products include an AI-powered Symptom Checker (Infermedica partnership) and Cigna StressWaves voice-based stress detection (Ellipsis Health partnership). A partnership with Carrot provides fertility, family-building, and hormonal health benefits including menopause and low testosterone support.

Differentiator

Problem solved

Functional benefit

Brands

• Cigna Wellbeing App: A mobile application providing access to doctors, well-being resources, and health management tools for members.
• Cigna 360° Well-Being Survey
• Cigna 5% Pledge
• Cigna StressWaves Test

Products and services

• International Medical Insurance Essential core international health insurance plan providing inpatient, day case surgery, accommodation, cancer, maternity and psychiatric cover for individuals and families living or working abroad. Customers can subscribe online directly or via brokers.
• International Emergency Evacuation Optional add-on covering transport and repatriation costs for members and a family member when treatment must be received in another country. Backed by the International SOS network of 4,800+ clinicians across 1,000+ locations in 90+ countries.
• International Health and Wellbeing Optional add-on covering screenings, tests, examinations and other wellness activities to support preventive care and lifestyle health management for members.
• International Vision and Dental Optional add-on providing comprehensive vision and dental coverage as a modular extension to core international health plans.
• Close Care Plan Specialised health plan for individuals who need coverage in their country of residence and one additional country, offering essential international healthcare protection with limited geographic scope.
• Regional Health Plan Health insurance plan providing coverage within a specific geographic region for customers needing care in their home region rather than worldwide coverage.
• Global Individual Health Plans Comprehensive international health insurance product line for individuals and families living abroad, covering expats, families, students and professionals working overseas.
• SME Employer Health Plans International health insurance solutions designed for small and medium enterprises with 2-149 employees, supporting businesses with internationally mobile staff.
• Large Corporation Health Plans Comprehensive international health benefits for large multinational corporations with 150+ employees, including OCONUS and government clients, supported by dedicated enterprise field sales and account management.
• IGO/NGO Health Plans Specialised international health insurance for Intergovernmental Organizations, Non-Governmental Organizations, and Government Officials serving internationally, distributed through a dedicated Cigna Health Benefits platform.
• Cigna Wellbeing App Mobile application connecting members to doctors, telehealth consultations and digital health management tools, available on iOS and Android.
• Cigna Links Online employer platform for managing international health plans, accessing member management tools, reporting and plan administration for corporate clients.
• Carrot Fertility, Family-Building and Hormonal Health Inclusive fertility, family-building and hormonal health benefit solution (perimenopause, menopause, low testosterone, pregnancy, IVF, adoption, surrogacy) provided through the partnership with Carrot. Multilingual experts and 11,000+ vetted providers worldwide.
• Symptom Checker AI-powered online tool developed in partnership with Infermedica that lets members input medical symptoms, uncovers possible causes and signposts to appropriate care, including specialist and doctor recommendations.
• Cigna StressWaves Test Science-based voice detector stress tool developed with Ellipsis Health that analyses acoustic and semantic patterns in speech over 90 seconds to reveal stress levels, using AI vocal biomarkers.

Quantifiable outcome

• Case management participants showed 5% medical spend increase vs 48% for non-participants - 89% better cost management
• +4 more outcomes

Named customers6 records

Segments8 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and regional.

• CarrotcoreStrategic or Co-development Partner · 14 March 2025Cigna Healthcare Global Health Benefits partnered with Carrot, the leading global fertility, hormonal health, and family-building benefits provider. The collaboration provides inclusive fertility, family-building, and hormonal health support for globally mobile members including menopause, low testosterone, pregnancy, fertility health, IVF, adoption, and surrogacy support through multilingual experts and 11,000+ vetted providers worldwide.
• InfermedicacoreTechnology or IntegrationPartnership to develop AI-powered Symptom Checker tool that allows members to input medical symptoms, uncover possible causes, and receive care recommendations. The tool helps direct members to appropriate healthcare resources and specialists.
• Ellipsis HealthcoreTechnology or IntegrationCollaboration to develop Cigna StressWaves Test, a science-based voice detector stress tool that analyzes acoustic and semantic patterns in 90 seconds to measure stress levels. The only tool on the market analyzing stress through vocal biomarkers based on 20+ years of research.
• Teladoc HealthcoreTechnology or IntegrationPartnership for whole-person virtual care services including mental health support, telehealth consultations, and remote patient monitoring as part of comprehensive digital health solutions.
• NAS NeuronregionalStrategic or Co-development PartnerJoint venture in the Middle East providing digital health solutions and services including virtual care, clinical support, and health management tools for the region.
• Honeysuckle HealthregionalStrategic or Co-development PartnerJoint venture in Australia providing digital health solutions including the Injury Support Program with analytics for targeted customer support. Combines virtual health services with data analytics capabilities.
• ISOS (International SOS)coreTechnology or IntegrationMedical evacuation and repatriation services partnership providing 4,800+ clinicians across 1,000+ locations in 90+ countries. ISOS facts and figures support Cigna's emergency evacuation capabilities for globally mobile employees.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• GeoBlue: GeoBlue provides international health insurance and travel medical coverage for expatriates, global business travelers, and students through Blue Cross Blue Shield networks. Closely comparable to Cigna on expatriate-focused IPMI, provider-network-led model, and digital member experience.
• Now Health International: Now Health International designs and underwrites international health insurance for individuals, families, and SMEs with globally mobile members. Comparable to Cigna's individual and SME expat plans on digital-first design and modular coverage tiers.
• Aetna International (CVS Health): Aetna International provides expatriate health benefits and international medical insurance for individuals and corporate clients globally. Direct head-to-head competitor in the multinational employer and IGO/NGO channels where Cigna competes.
• Allianz Care: Allianz Care provides international health and life insurance to individuals, families, and corporate clients with globally mobile employees. Overlaps with Cigna on IPMI for expats, IGO/NGO segments, and multinational employers, with similar modular product architecture.
• AXA Global Healthcare: AXA Global Healthcare offers international private medical insurance for individuals and corporate clients, with strong presence in Europe, Middle East, and Asia. Directly comparable to Cigna on product modularity, broker distribution, and expat target market.
• William Russell: William Russell provides international health, life, and income protection insurance for expatriates, families, and SMEs across 160+ countries. Comparable niche overlap with Cigna on expat and SME IPMI, though smaller scale.
• Bupa Global: Bupa Global is the international private medical insurance arm of Bupa, offering individual and group health cover to expatriates and globally mobile employees across similar geographies. Most directly comparable on product structure, target segments, and broker-led distribution to Cigna Global's expat and employer business.
• IMG (International Medical Group): IMG specializes in international medical insurance, travel medical, and expatriate health plans for individuals, families, and groups. Direct competitor in the global individual/family IPMI segment served by Cigna Global.

Others

• International SOS: International SOS is a partner of Cigna (for evacuation services) and also a broader provider of medical assistance, security services, and travel risk management for globally mobile workforces. Adjacent rather than directly competing — comparable customer base and overlapping clinical/international capabilities.

Broad incumbents

• MetLife Expatriate Benefits: MetLife's Expatriate Benefits division offers group health, life, and disability benefits for globally mobile employees within its broader employee benefits portfolio. Comparable to Cigna's employer group plans segment though MetLife is a broader incumbent across many lines of business.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cigna
• YouTubeyoutube.com/user/cignaglobal
• Facebookfacebook.com/cignaglobal
• LinkedInlinkedin.com/company/cigna-global-individuals

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CIGNA Global Reinsurance Company