Cigna Global Review 2026
One of the global insurance giants. With 230+ years of history, 189M+ customers in 200+ countries, and a network of 1.5M+ providers. Modular system: build exactly the coverage you need. No age limit.
Quick Verdict
Why Is Cigna Different?
230+ Years of History
Founded in 1792 in Philadelphia. One of the world's oldest health insurers. 189M+ customers in 200+ countries. The financial stability this implies is unmatched.
1.5M+ Provider Network
Cigna's network includes 1.5M+ doctors, hospitals, and clinics worldwide. Direct payment within the network. In many countries, whichever hospital you want is already in the network.
Modular System — Build Your Plan
Cigna lets you add modules: dental, vision, maternity, mental health. Pay only for what you need. Silver without modules, Gold with everything included, or customize to your desired level.
No Age Limit
Unlike local insurers (55 limit) and PassportCard (64 limit), Cigna accepts customers of any age. The option for those over 64, along with SafetyWing.
Home Country Included
Cigna includes coverage in the policyholder's home country. Something PassportCard does NOT offer. Ideal if you travel frequently outside Panama.
Pre-existing Conditions with Surcharge (Not Exclusion)
Cigna accepts pre-existing conditions with a premium surcharge, rather than directly excluding them. For people with pre-existing conditions, this may be the only viable option.
Silver, Gold, Platinum — Detailed Analysis
Cigna Silver
from $150/mo
Limit: $1M · Deductible: $500
Entry to the global Cigna network
Pros:
- + Recognized global brand (230+ years)
- + Direct pay in 1.5M+ provider network
- + No age limit
- + Home country included
Cons:
- − $500 deductible
- − No dental or vision (paid add-on modules)
- − More expensive than PassportCard for similar coverage
Price by age:
Cigna Gold
from $280/mo
Limit: $2M · Deductible: $250
All-inclusive — dental, vision, maternity
Pros:
- + Dental + vision + maternity (after wait) included
- + $2M coverage with home country
- + Full mental health
- + Private hospital room
Cons:
- − Very expensive ($280+/mo)
- − Lower value vs. PassportCard Comfort
- − Maternity after waiting period
Price by age:
Cigna Platinum
from $460/mo
Limit: $5M+ · Deductible: $0
Absolutely everything included, no compromises
Pros:
- + $5M+ coverage — international market maximum
- + $0 deductible
- + Full maternity included (no waiting)
- + Premium global network — world's best hospitals
Cons:
- − Very expensive ($460+/mo)
- − Excessive for most profiles
- − Price rises sharply with age (70+: $1,600/mo)
Price by age:
Silver vs Gold vs Platinum
| Criteria | Silver | Gold ⭐ | Platinum |
|---|---|---|---|
| Price (30-39) | $155/mes | $290/mes | $480/mes |
| Coverage | $1M | $2M | $5M+ |
| Deductible | $500 | $250 | $0 |
| Dental | No | Yes | Yes |
| Vision | No | Yes | Yes |
| Maternity | No | After wait | Yes |
| Mental Health | Partial | Yes | Yes |
| Private room | Partial | Yes | Yes |
| Home country | Yes | Yes | Yes |
| Score | 7.2 | 8.0 | 8.5 |
Cigna vs. PassportCard — Which One to Choose?
| Criteria | Cigna Gold | PassportCard Comfort |
|---|---|---|
| Price (30-39) | $290/mes | $210/mes |
| Coverage | $2M | $3.5M |
| Direct pay | Yes (1.5M+ network) | Yes (red card) |
| Home country | Yes | No |
| Maternity | After wait | No |
| Max age | No limit | 64 |
| Pre-existing | With surcharge | After waiting |
| Value for money | 6.0 / 10 | 8.5 / 10 |
Who Is Cigna Worth It For?
Choose Cigna if:
- ✓ You're over 64 (PassportCard doesn't accept)
- ✓ Need coverage when traveling abroad frequently
- ✓ Have pre-existing conditions (Cigna accepts with surcharge)
- ✓ Your company requires a recognized global brand
- ✓ Want maximum coverage without age limit (Platinum)
- ✓ Prefer 1.5M+ provider network with direct pay
Consider PassportCard if:
- → You're 18-64 and looking for better value
- → Want the red card (direct pay without network)
- → $3.5M coverage for $200/mo (Comfort)
- → Don't travel to your home country frequently
- → Looking for more coverage for the same price
Cigna: Pros and Cons
Advantages
- + 230+ years of history — unmatched stability
- + 1.5M+ global provider network
- + No age limit — accepts 65+
- + Home country included
- + Pre-existing conditions accepted (with surcharge)
- + Modular system — pay only for what you need
- + Direct payment within the network
Disadvantages
- - Highest price in international market
- - Worse value vs. PassportCard
- - Extra modules (dental, vision) cost more
- - Silver without dental or vision at $150/mo
- - Very high price for those over 60 ($780-$1,600/mo)
- - More bureaucratic process than PassportCard
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