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Cigna Global Health Insurance for Expats in China

Planning to live, work, or retire in China? Cigna Global provides comprehensive international health insurance designed for expats — covering you from China to anywhere else in the world.

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Healthcare Tier

Good

Avg. Hospital/Day

$1,800

Evacuation Cost

$25,000–$55,000

Expat Hub

Shanghai

Healthcare in China for Expats

China's major cities have excellent international-standard private hospitals (United Family, Parkway). Cigna Global is one of the most recognized international health insurers in China's expat market.

Coverage Recommendation: Good private hospitals available. International coverage ensures you're not limited to in-network providers and maintain coverage when you travel elsewhere.

Why Cigna Global for Expats in China?

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Worldwide Portability

Your coverage isn't locked to China. Cigna Global covers you wherever you travel or relocate — Asia, Europe, Asia, or the Americas. One plan follows your life.

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Direct Billing Network

Cigna Global has direct billing agreements with thousands of hospitals across Asia and worldwide. You typically don't pay out of pocket — the hospital bills Cigna directly.

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Medical Evacuation Included

Emergency evacuation to the nearest appropriate facility — potentially worth $25,000–$55,000 — is included in all plans. In China, this is not optional coverage.

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24/7 Multilingual Support

Cigna Global's emergency assistance team is available 24/7 in multiple languages. If you have a medical emergency in China at 3 AM, you have immediate support.

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Comprehensive Benefits

Inpatient, outpatient, specialist, mental health, dental, vision, maternity, and cancer treatment — Cigna Global's modular plans let you choose exactly the coverage you need.

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Annual Renewable

Unlike travel insurance designed for short trips, Cigna Global is an annual renewable policy built for people living abroad long-term. Cancel anytime with 30 days notice.

Cigna Global Plan Tiers

Plan	Inpatient	Outpatient	Best For
Silver	✓ Included	Add-on	Budget-conscious expats, younger ages
Gold	✓ Included	✓ Included	Families and professionals — most popular tier
Platinum	✓ Unlimited	✓ Unlimited	Senior expats, retirees, those with health concerns

All tiers include medical evacuation and repatriation. Dental and maternity available as add-ons across tiers.

Frequently Asked Questions

Do expats in China need international health insurance?▼

Yes. China's major cities have excellent international-standard private hospitals (United Family, Parkway). Cigna Global is one of the most recognized international health insurers in China's expat market. Local public healthcare systems in most countries either exclude foreign nationals, provide very limited coverage, or require lengthy residency to access. Cigna Global provides comprehensive coverage from day one — inpatient, outpatient, emergency, and evacuation — that travels with you globally.

What does Cigna Global cover for expats in China?▼

Cigna Global's core plans cover inpatient hospital stays, surgery, specialists, cancer treatment, mental health, emergency medical evacuation, and repatriation of remains. Depending on the plan tier, outpatient visits, dental, vision, and maternity can be included. In China, Cigna provides direct billing at network hospitals so you rarely need to pay out of pocket.

How much does Cigna Global health insurance cost for expats in China?▼

Pricing depends on your age, plan tier, deductible, and coverage area. Younger expats (under 40) in China typically pay $100–$300/month for a solid mid-tier plan. Those over 55 can expect $300–$600/month. Plans covering the US in addition to Asia cost more. Use the Cigna Global quote form to see exact pricing for your profile.

Is there a waiting period for Cigna Global in China?▼

There is no waiting period for emergency medical treatment — coverage begins from the first day. Maternity coverage typically requires 12 months of continuous enrollment. Pre-existing conditions may have a short exclusion period, or can be assessed for coverage at application. Cigna Global will provide a clear summary of any specific conditions at the time of your application.

Can I use Cigna Global if I travel outside China?▼

Yes — that's one of Cigna Global's core advantages. Unlike local health insurance tied to a single country, Cigna Global provides worldwide coverage (excluding or including the USA, depending on your plan selection). If you travel to other countries for work or leisure, your coverage travels with you. This is why internationally mobile professionals strongly prefer it over local schemes.

What happens if I need emergency medical evacuation from China?▼

Medical evacuation is included in all Cigna Global plans. If you need treatment not available locally, Cigna coordinates and pays for medically necessary evacuation to the nearest appropriate facility — which might be in Singapore or Bangkok. This benefit alone justifies international health coverage given that evacuation costs can exceed $25,000–$55,000.

Does Tower Hill Travel Insurance sell Cigna Global plans?▼

Tower Hill Travel Insurance is an authorized referral partner for Cigna Global. We've reviewed their plans and recommend them specifically for expats, retirees living abroad, and internationally mobile professionals. You can get a personalized Cigna Global quote through our affiliate link. We're also available at (844) 950-3468 if you have questions about which plan fits your situation.

Written by Ty Taylor

Licensed Travel Insurance Advisor · Texas License #2608479TX

Tower Hill Travel Insurance · 60,000+ clients insured · 151 countries covered

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