Cigna vs Allianz Which Global PMI Provider Is Best for Expats
Choosing the right international private medical insurance can be daunting for UK expats. WeCovr, an FCA-authorised broker that has helped arrange over 750,000 policies, explores the strengths of global giants Cigna and Allianz to help you decide on the best private health cover for your life abroad.
WeCovr explores the pros and cons of two international heavyweights
Moving abroad is an exhilarating adventure, but organising your healthcare shouldn't be a source of stress. For British expatriates, a robust international private medical insurance (iPMI) policy is not just a safety net; it's a vital component of a secure life overseas. Two of the most recognisable names in this global market are Cigna and Allianz. Both are titans of the industry, offering comprehensive plans across hundreds of countries.
But which one is right for you? The answer depends on your unique circumstances: your destination, your family's needs, your budget, and your health priorities. In this definitive guide, we will dissect the offerings of Cigna and Allianz, comparing them across key features to give you the clarity needed to make an informed choice. As an expert PMI broker, WeCovr is here to demystify the options and ensure you find a policy that fits you perfectly.
What is International Private Medical Insurance (iPMI)?
Before we dive into the comparison, let's clarify what we're discussing. International Private Medical Insurance (iPMI) is a specific type of health cover designed for individuals and families living and working outside their home country for an extended period (usually one year or more).
It's fundamentally different from a standard UK private medical insurance policy, which typically only provides cover within the UK. It's also distinct from travel insurance, which is intended for short-term trips and emergencies, not for comprehensive, long-term healthcare needs like routine check-ups, chronic condition management (where covered), or planned surgeries abroad.
An iPMI plan gives you access to private healthcare facilities worldwide (or within a chosen geographical region), ensuring you receive high-quality medical care wherever you are.
The Golden Rule of PMI: Pre-existing and Chronic Conditions
This is the most critical point to understand about almost all private medical insurance in the UK and internationally. Standard policies are designed to cover acute conditions that arise after your policy has started.
- An acute condition is a disease, illness, or injury that is likely to respond quickly to treatment and lead to a full recovery. Examples include a broken bone, appendicitis, or a cataract. PMI is excellent for these scenarios.
- A chronic condition is a disease, illness, or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring, has no known cure, is recurrent, or requires palliative care. Examples include diabetes, asthma, arthritis, and high blood pressure.
- A pre-existing condition is any health issue you knew about, had symptoms of, or received advice or treatment for before your policy began.
Crucially, standard private health cover does not typically cover the treatment of pre-existing or chronic conditions. Some iPMI plans may offer cover for pre-existing conditions, often subject to special terms, higher premiums, or a specific underwriting process. It is vital to declare your medical history honestly and fully during the application process.
Meet the Titans: A Brief on Cigna and Allianz
Both Cigna and Allianz are formidable players with decades of experience in global healthcare. Understanding their background can provide context for their offerings.
Cigna Global
With roots tracing back over 200 years in the US, Cigna has evolved into a global health services company with a massive international presence. Cigna Global is its dedicated international arm, serving over 180 million customer relationships worldwide. They are renowned for their flexible plan design, extensive global network, and strong focus on customer wellness and support.
Allianz Care
Part of the German-based Allianz Group, one of the world's largest financial services and insurance companies, Allianz Care is the group's international health brand. They leverage the financial strength and trusted reputation of their parent company to deliver high-quality health insurance solutions. Allianz is often associated with comprehensive, straightforward policies and a strong, reliable service ethos, particularly within Europe and key expat hubs.
Cigna vs. Allianz: A Detailed Head-to-Head Comparison
Now, let's break down how these two providers stack up against each other across the most important criteria. WeCovr has helped thousands of expats navigate these choices, and this comparison is based on our deep market knowledge.
Core Coverage & Inpatient Benefits
Inpatient care—treatment that requires admission to a hospital—is the foundation of any iPMI policy. This is where you'll find cover for major medical events.
| Feature | Cigna Global | Allianz Care |
|---|---|---|
| Overall Annual Limit | Up to £2,000,000+ (varies by plan) | Up to €4,500,000+ (varies by plan) |
| Hospital Accommodation | Private room typically standard | Private room typically standard |
| Surgery & Specialists | Covered in full | Covered in full |
| Cancer Treatment | Comprehensive cover, paid in full on most plans | Comprehensive cover, paid in full on most plans |
| Intensive Care | Covered in full | Covered in full |
| Medical Evacuation | Included as standard | Included as standard |
| Mental Health (Inpatient) | Good coverage, often with high limits | Strong coverage, often with high limits |
WeCovr's Analysis: Both providers offer exceptionally strong core inpatient cover. You are unlikely to find significant gaps in their fundamental hospital benefits. The main difference often lies in the overall annual limit, which is generous on both sides. For most individuals, either provider's core plan will offer more than enough financial protection for serious medical events.
Outpatient and Everyday Care
Outpatient benefits cover medical care that doesn't require a hospital stay. This is where plans start to differ more significantly and where your personal needs come into play. This is often an optional add-on.
| Feature | Cigna Global (Outpatient Module) | Allianz Care (Outpatient Plan) |
|---|---|---|
| Specialist Consultations | Covered up to a set limit (e.g., £5,500) | Covered up to a set limit (e.g., €9,000) |
| Diagnostics (X-rays, MRI) | Covered in full | Covered in full |
| Prescription Drugs | Covered up to a set limit (e.g., £3,500) | Covered up to a set limit (e.g., €5,000) |
| Physiotherapy | Covered up to a set number of sessions (e.g., 20) | Covered up to a set financial limit (e.g., €2,500) |
| Alternative Therapies | Often available, up to a small limit | Often available, up to a small limit |
| Routine Health Checks | Available under wellness modules | Available under some outpatient plans |
WeCovr's Analysis: Both providers allow you to add comprehensive outpatient cover. Cigna's modular approach can sometimes offer more granular control, allowing you to pick and choose what you need. Allianz tends to package benefits into clearer, more straightforward "Outpatient Plans." If you anticipate needing regular physiotherapy, for example, comparing the session limits (Cigna) versus a financial pot (Allianz) is a key consideration.
Global Network and Direct Billing
A large network means you can access care without paying out-of-pocket. The provider settles the bill directly with the hospital.
- Cigna: Boasts one of the largest global networks, with over 1.65 million partnerships with hospitals, clinics, and physicians. Their network is particularly strong in the USA, which is a major advantage for expats moving there or wanting US cover included.
- Allianz: Also has an extensive global network, though it's historically been strongest in Europe and the Middle East. Their direct billing network is robust and highly regarded for its reliability.
WeCovr's Verdict: If your destination is the United States or you require comprehensive US cover, Cigna often has the edge due to the sheer scale of its stateside network. For expats in Europe, Asia, and the Middle East, both providers offer excellent and broadly comparable networks.
Customisation: Optional Modules and Excess
Customisation allows you to tailor your plan's cost and coverage. This is done by adding optional benefits or choosing an excess (also known as a deductible). An excess is the amount you agree to pay towards a claim before the insurer starts paying.
| Customisation Feature | Cigna Global | Allianz Care |
|---|---|---|
| Plan Structure | Highly modular: Core plan + optional Outpatient, Medical Evacuation, Vision & Dental, Health & Wellbeing modules. | More structured: Core plan with optional Outpatient, Dental, Maternity, and Repatriation plans. |
| Excess/Deductible | Wide range of options from £0 to £6,000+. Can be applied per claim or per policy year. | Wide range of options from €0 to €10,000+. Can be applied per claim or per policy year. |
| Geographic Cover | Two main options: "Worldwide" or "Worldwide excluding USA." Excluding the US significantly reduces premiums. | Multiple geographic regions, allowing for more tailored pricing (e.g., Europe only, Worldwide excluding USA, etc.). |
WeCovr's Analysis: Cigna's "building block" approach is fantastic for those who want to fine-tune their policy to the smallest detail. You only pay for what you truly need. Allianz offers slightly less granularity but provides clear, well-designed packages that are easy to understand. The ability to choose a higher excess with either provider is one of the most effective ways to lower your monthly premium.
Digital Experience and Member Support
In today's world, easy access to your policy information and support services via an app or online portal is essential.
- Cigna: Their Cigna Envoy® portal and app are feature-rich, allowing members to find doctors, submit claims by taking a photo of an invoice, and access telehealth services (virtual GP appointments) 24/7. Their customer support is well-regarded for its global reach.
- Allianz: Their MyHealth Digital Services app is equally slick and user-friendly. It offers claim submission, access to policy documents, a hospital finder, and a "Health on Hand" service providing medical advice from doctors and nurses around the clock.
WeCovr's Verdict: This is a dead heat. Both Cigna and Allianz have invested heavily in their digital infrastructure, and both offer a superb, modern user experience. Your choice here would likely come down to personal preference for the app's interface.
Underwriting Explained: Your Medical History
When you apply for iPMI, you'll go through underwriting, which is how the insurer assesses your health risk.
- Moratorium Underwriting: This is a simpler, quicker process. The insurer doesn't ask for your full medical history upfront. Instead, they will automatically exclude treatment for any condition you've had in a set period (usually the last 5 years). However, they may agree to cover that condition later if you remain symptom-free and treatment-free for a continuous period on the policy (usually 2 years).
- Full Medical Underwriting (FMU): You provide your complete medical history on the application form. The insurer assesses it and may place specific exclusions on your policy for pre-existing conditions, or they might charge a higher premium to cover them. The advantage is clarity—you know exactly what is and isn't covered from day one.
Both Cigna and Allianz offer both types of underwriting, giving you the flexibility to choose the path that best suits your situation.
Profile of an Ideal Cigna Customer
You might be a better fit for Cigna Global if:
- You are an expat moving to or from the United States, or you travel there frequently.
- You value maximum flexibility and want to build your plan from the ground up, picking and choosing specific modules.
- You want access to one of the largest global networks available.
- You appreciate a strong focus on preventative care and digital wellness tools.
Example Scenario: A 45-year-old British marketing director relocating to New York for a three-year assignment with her family. She needs robust US cover and wants to add comprehensive dental and vision benefits but doesn't require a high-end wellness package. Cigna's modularity would be perfect for her.
Profile of an Ideal Allianz Customer
You might be a better fit for Allianz Care if:
- You are an expat based in Europe, the Middle East, or Asia.
- You prefer a more structured, all-in-one plan that is simple to understand and manage.
- You value the backing of a massive, globally recognised financial brand known for its stability and reliability.
- You need comprehensive maternity cover, as Allianz's maternity plans are often cited as being very clear and generous.
Example Scenario: A 32-year-old German engineer moving to London with his partner. They are planning to start a family. They want a straightforward, premium plan from a trusted European brand that offers excellent maternity benefits. Allianz Care would be a strong contender.
Beyond Treatment: A Focus on Wellness and Prevention
Modern health insurance is about more than just paying for claims; it's about keeping you healthy. Both Cigna and Allianz excel here.
- Employee Assistance Programmes (EAPs): Both offer confidential support for issues like stress, anxiety, financial worries, and legal concerns.
- Telehealth/Virtual Doctors: Get medical advice from a qualified doctor via phone or video call, 24/7, from anywhere in the world. This is incredibly useful for minor ailments or when you're in a remote location.
- Wellness Resources: You'll find extensive libraries of articles, webinars, and tools on topics like nutrition, sleep, mental resilience, and physical activity.
Our Health Tip: Don't underestimate the power of these wellness services. Moving abroad can be stressful. According to the ONS, anxiety levels can be heightened during periods of significant life change. Using your insurer's EAP or talking to a virtual doctor can be a valuable first step in managing your mental and physical wellbeing. A balanced diet, regular exercise (even a 30-minute walk daily), and prioritising 7-8 hours of sleep are foundational pillars of health that these services can help you maintain.
Why Use a PMI Broker Like WeCovr?
Choosing between two world-class providers can still be overwhelming. This is where an independent, expert broker like WeCovr adds immense value.
- Impartial Advice at No Cost to You: Our service is completely free for you. We receive a commission from the insurer you choose, but our advice is always 100% impartial. We are authorised and regulated by the Financial Conduct Authority (FCA), so our duty is to you, the client.
- Market Expertise: We live and breathe the private medical insurance UK market and the global iPMI landscape. We understand the subtle but crucial differences in policy wording that can make or break a claim.
- Personalised Comparison: We don't just give you a price list. We take the time to understand your personal needs, your destination, and your budget. We then compare the market—including Cigna, Allianz, and other top providers—to find the policy that is genuinely the best fit for you.
- Application Support: We help you with the paperwork, ensuring everything is filled out correctly to avoid any issues with underwriting down the line.
Exclusive WeCovr Benefits:
- CalorieHero App: As a WeCovr client, you get complimentary access to our AI-powered calorie and nutrition tracking app, CalorieHero, to support your health goals.
- Multi-Policy Discounts: When you purchase PMI or life insurance through us, you may be eligible for discounts on other types of cover you need, such as home or travel insurance.
- High Customer Satisfaction: Our clients consistently rate our service highly on independent review websites, praising our expertise and supportive approach.
Frequently Asked Questions (FAQs)
Does international PMI cover me when I visit the UK?
What is the difference between an 'excess' and a 'deductible'?
Is mental health treatment included in Cigna and Allianz plans?
Do I need to declare minor health issues when applying for private health cover?
Ready to Find Your Perfect Expat Health Plan?
Both Cigna and Allianz offer outstanding private medical insurance for expats. Cigna shines with its flexibility and US network, whilst Allianz impresses with its structured plans and brand reliability. The best choice is the one that aligns with your life abroad.
Don't navigate this complex decision alone. Let the experts at WeCovr provide a free, no-obligation comparison tailored to you.
[Get a Free, Personalised Quote from WeCovr Today]
Why private medical insurance and how does it work?
What is Private Medical Insurance?
Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.How does it work?
Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment
Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.
Questions to ask yourself regarding private medical insurance
Just ask yourself:👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?
Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.
Benefits offered by private medical insurance
Private medical insurance provides numerous benefits that can significantly improve your healthcare experience and outcomes:Faster Access to Treatment
One of the biggest advantages is avoiding NHS waiting lists. While the NHS provides excellent care, waiting times can be lengthy. With private medical insurance, you can often receive treatment within days or weeks rather than months.
Choice of Consultant and Hospital
You can choose your preferred consultant and hospital, giving you more control over your healthcare journey. This is particularly important for complex treatments where you want a specific specialist.
Better Facilities and Accommodation
Private hospitals typically offer superior facilities, including private rooms, better food, and more comfortable surroundings. This can make your recovery more pleasant and potentially faster.
Advanced Treatments
Private medical insurance often covers treatments and medications not available on the NHS, giving you access to the latest medical advances and technologies.
Mental Health Support
Many policies include comprehensive mental health coverage, providing faster access to therapy and psychiatric care when needed.
Tax Benefits for Business Owners
If you're self-employed or a business owner, private medical insurance premiums can be tax-deductible, making it a cost-effective way to protect your health and your business.
Peace of Mind
Knowing you have access to private healthcare when you need it provides invaluable peace of mind, especially for those with ongoing health conditions or concerns about NHS capacity.
Private medical insurance is particularly valuable for those who want to take control of their healthcare journey and ensure they receive the best possible treatment when they need it most.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get private medical insurance early?
👉 Many people are very thankful that they had their private medical insurance cover in place before running into some serious health issues. Private medical insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, and even our phones! Yet our health is the most precious thing we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced insurance experts who are passionate about advising people on financial matters related to private medical insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable private medical insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
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Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!