Verified Apr 15, 2026· source: Cigna Global
International insurerCigna Global Health Panama: full review 2026
The global giant: 230 years of history, 1.5 million providers, a modular system and the only insurer in the Panama market that accepts pre-existing conditions with a surcharge and no age limit. Silver, Gold and Platinum with prices by age.
Score Revisa24
7.9/10
Average of 3 plan(s) across 6 criteria, public methodology.
- Value5.3
- Coverage8.7
- Flexibility8.7
- Claims8.0
- Digital7.3
- Transparency7.3
Verdict: the most complete coverage and the only real option for pre-existing conditions and over-65s
Cigna is ideal for multinational executives, high-income families, frequent US travelers and anyone with pre-existing conditions or over 65 without prior insurance. It is the most expensive option on the market and usually overkill for people who only live in Panama; for that profile, PassportCard Comfort offers better value.
From
$150/mo
Cigna Silver
Max coverage
$5M+
Cigna Platinum
Max entry age
No limit
New contracts
Plans
3
Since 1792
What it does well
- No entry age limit
- The only insurer in Panama that accepts pre-existing conditions with loading
- Global network of 1.5M providers with in-network direct pay, 200+ countries and a single phone number
- Modular coverage: pay only for what you need
- Includes home country and full US coverage with the corresponding module
- Top-tier customer service
The real limitations
- The highest price on the market, with progressive age loadings
- Overkill for residents who never leave Panama
- Comparing modular configurations is complex
- Enrollment takes 2 to 6 weeks
- No SSRP license: disputes under foreign jurisdiction
- Outside the network the model is reimbursement
The 3 Cigna Global plans
Verified Apr 15, 2026· source: Cigna Global
| Plan | From/mo | Coverage | Deductible | Max age | Score |
|---|---|---|---|---|---|
| Cigna SilverWorldwide (including USA) | $150 | $1M | $500 | No limit | 7.2 |
| Cigna GoldWorldwide (including USA) | $280 | $2M | $250 | No limit | 8.0 |
| Cigna PlatinumMaximum coverageWorldwide (including USA) | $460 | $5M+ | $0 | No limit | 8.5 |
- Cigna SilverWorldwide (including USA)
- From/mo
- $150
- Coverage
- $1M
- Deductible
- $500
- Max age
- No limit
- Score
- 7.2
- Cigna GoldWorldwide (including USA)
- From/mo
- $280
- Coverage
- $2M
- Deductible
- $250
- Max age
- No limit
- Score
- 8.0
- Cigna PlatinumMaximum coverageWorldwide (including USA)
- From/mo
- $460
- Coverage
- $5M+
- Deductible
- $0
- Max age
- No limit
- Score
- 8.5
Monthly price by age
| Age | Cigna Silver | Cigna Gold | Cigna Platinum |
|---|---|---|---|
| 18-29 | $120 | $220 | $370 |
| 30-39 | $155 | $290 | $480 |
| 40-49 | $220 | $400 | $640 |
| 50-59 | $320 | $560 | $890 |
| 60-69 | $470 | $780 | $1200 |
| 70+ | $620 | $1050 | $1600 |
- 18-29
- Cigna Silver
- $120
- Cigna Gold
- $220
- Cigna Platinum
- $370
- 30-39
- Cigna Silver
- $155
- Cigna Gold
- $290
- Cigna Platinum
- $480
- 40-49
- Cigna Silver
- $220
- Cigna Gold
- $400
- Cigna Platinum
- $640
- 50-59
- Cigna Silver
- $320
- Cigna Gold
- $560
- Cigna Platinum
- $890
- 60-69
- Cigna Silver
- $470
- Cigna Gold
- $780
- Cigna Platinum
- $1200
- 70+
- Cigna Silver
- $620
- Cigna Gold
- $1050
- Cigna Platinum
- $1600
Verified Apr 15, 2026· source: Cigna Global
Who it is for
People with controlled pre-existing conditions
Cigna covers them with a 25% to 75% loading; every other insurer excludes them.
People over 65 without prior insurance in Panama
No entry age limit. At 68 a Silver premium is around $250 to $300/mo: expensive, but with no direct alternative.
Executives and families living across several countries
One policy that works the same in 200+ countries, with US hospital networks (Mayo Clinic, MD Anderson) and top-tier service.
Who it is not for
Anyone looking for a competitive price
Silver starts at $150/mo and Gold at $280. PassportCard Comfort gives $3.5M for $200 and SURA Premium costs $95.
Anyone who only lives in Panama and does not travel
You pay for a global network you do not use. ASSA, MAPFRE or SURA cover the same locally for a fraction.
Anyone who needs active coverage this week
Underwriting takes 2 to 6 weeks. PassportCard or SafetyWing activate the same day.
Pre-existing conditions: the door only Cigna opens
ASSA, SURA, MAPFRE, PALIG, PassportCard and SafetyWing reject or exclude pre-existing conditions in their standard plans. Cigna Global Health is the exception: it assesses each declared condition and, if controlled, covers it with a premium loading instead of excluding it. For someone with diabetes, hypertension or a cancer history, this makes Cigna the only real door to private insurance in Panama.
Declare everything
Cigna's underwriting is exhaustive precisely because it covers what others exclude. An undeclared condition voids coverage for that condition and can void the entire policy.
Silver, Gold, Platinum: how to choose the tier
- Silver ($150/mo from age 30 to 34): $1M annual limit, full hospitalization and surgery, a solid base for Panama residents who travel little.
- Gold ($280/mo): $2M limit, broader outpatient care, ideal for frequent US travelers and families wanting global maternity as a module.
- Platinum ($460/mo): unlimited limit, private room, full dental and vision; the top of the market for multinational executives.
- At every tier the final price depends on chosen modules, deductible and the underwriting result: request a quote with a full health declaration before comparing.
Who Cigna is
Founded in 1792, Cigna is one of the oldest and most stable insurers in the world: over 189 million customers, presence in more than 200 countries and a network of 1.5 million providers with direct payment at in-network hospitals and clinics. S&P A rating and over $200 billion in global assets.
Cigna does not hold a Panamanian SSRP license. In a dispute, the claim is handled under the insurer's jurisdiction, not before Panama's Consumer Ombudsman. This is a factor to weigh against PALIG, which combines international coverage with a local license.
Verdict: Cigna Global 7.9/10
Cigna is ideal for multinational executives, high-income families, frequent US travelers and anyone with pre-existing conditions or over 65 without prior insurance. It is the most expensive option on the market and usually overkill for people who only live in Panama; for that profile, PassportCard Comfort offers better value.
Frequently asked questions about Cigna Global
Does Cigna accept pre-existing conditions in Panama?
Is there an age limit to enroll with Cigna?
How does Cigna's modular system work?
Does Cigna cover the United States?
How long does enrollment take?
Cigna or Bupa Global?
Is Cigna Global your pick, or do you want to compare?
Compare against every plan in the Panama market, filter by age, budget and benefits.