Cigna Global Health Options is the plan Thai hospitals are happiest to see, with a high yearly limit, a private room and fast direct billing. It costs more than most expat plans, and there’s no upper age limit to join.
Cigna Healthcare is the international health insurance arm of the US-based Cigna Group, and Global Health Options is its main plan for people living abroad. You pick Silver, Gold or Platinum for hospital cover, then add doctor visits, evacuation, check-ups or dental if you want them. You pay in US dollars, euros or pounds.
We’ve recommended Cigna to readers in Thailand since 2018, and what people like most is how smoothly it works at the big private hospitals. Most of the time you show your Cigna card, the hospital contacts Cigna, and you never see the bill.
This review covers each plan in plain terms: what it pays, what you pay yourself, what’s excluded and roughly what it costs. It also covers Cigna Close Care, the cheaper plan that only covers Thailand and your home country, which many retirees look at. Every limit comes from Cigna’s own 2026 brochures and policy documents.
