Cigna Health Insurance Review 2025
In-depth review of Cigna's premium health insurance. Global network access, comprehensive coverage, and international expertise.
Quick Summary
Cigna Health Insurance Overview
Cigna is a global health services company offering premium health insurance in New Zealand with access to an extensive international medical network. Particularly appealing to expatriates, frequent travelers, and those seeking coverage both in New Zealand and abroad.
With operations in over 30 countries and a network spanning 170 countries, Cigna brings unparalleled international healthcare access. Their policies are designed for those who need comprehensive coverage with the flexibility to access medical care anywhere in the world.
Key Features
Company Facts
Cigna Plans & Pricing
Core
Essential Coverage
Global
International Access
Premier
Complete Protection
Cigna: Pros & Cons
Pros
Global Network Access
Access to healthcare providers in 170+ countries worldwide
Expatriate Specialist
Expertise in serving international and mobile populations
Strong Financial Backing
A+ rating with global company resources
24/7 International Support
Round-the-clock assistance in multiple languages
Medical Evacuation
Coverage for emergency medical transportation
Premium Service Quality
High-touch customer service and direct billing
Cons
Premium Pricing
Among the most expensive health insurance options in NZ
Small NZ Market Share
Limited local presence and brand recognition
Smaller NZ Network
Fewer relationships with local NZ providers
Complex Policies
International coverage options can be confusing
Overkill for Locals
May be excessive for those not traveling internationally
Limited Plan Options
Fewer choices compared to local competitors
What Customers Say About Cigna
"Perfect for my expatriate lifestyle. Used coverage in three different countries without issues. The global network and 24/7 support are invaluable when traveling."
"Premium service quality and comprehensive coverage. Yes, it's expensive, but worth it for the peace of mind and international access. Claims processed smoothly."
"Good international coverage but probably overkill for someone who mainly stays in NZ. The price is high compared to local insurers. Service is professional though."
Final Verdict: Is Cigna Worth It?
Premium Choice for International Coverage
Cigna is the premium choice for expatriates, frequent international travelers, and those requiring global healthcare access. While pricing is among the highest in the market, the comprehensive international network and evacuation coverage provide unique value for mobile populations. For NZ-only residents, local insurers may offer better value, but Cigna excels for those with international healthcare needs.
Best suited for:
- • Expatriates and frequent travelers
- • International business people
- • Those living between countries
- • People wanting global network
Consider alternatives if:
- • You mainly stay in New Zealand
- • Budget is a primary concern
- • You prefer local NZ providers
- • International coverage not needed
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