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This article is part of Health & Protection’s IPMI House of Lords Roundtable. Read and download the roundtable supplement by following this link.
Cigna Healthcare’s roots in insurance date back more than 230 years, with a focus on healthcare for over a century.
Building on this foundation, Cigna Healthcare Global Individual Health specialises in IPMI designed to meet the needs of globally mobile customers.
Today, we support customers in more than 200 countries and jurisdictions, with licences in over 30 markets and a global provider network of more than 2.2 million that enables direct settlement, removing the need for reimbursement.
We work closely with brokers and customers to deliver solutions that reflect the unique needs of globally mobile individuals.
The international individual health market is experiencing strong growth, driven by increasing global mobility and a rising population of high-net-worth individuals who are looking for enhanced medical cover.
These customers expect flexible, high-quality care and more personalised, service-led experiences.
Demand for international healthcare is increasing, with customers needing reliable access to care throughout their global journeys.
This is where integrated clinical support becomes a clear differentiator, and at Cigna Healthcare, we are proud to offer 24/7 access to support through our clinical hub, backed by clinical experts who help customers navigate care with confidence.
We focus on helping customers access the right care, at the right time, wherever they are.
A smarter approach to care
Our clinical model simplifies healthcare journeys and ensures customers receive appropriate, evidence-based treatment.
Through proactive support, we improve outcomes, reduce unnecessary care, and enable better decision-making.
A key part of this approach is medical necessity, ensuring that care is clinically appropriate and aligned with the customer’s needs.
Not all care improves outcomes, and our clinical teams are trained to identify the difference.
Medical necessity review in action
Our clinicians carry out medical necessity reviews at key stages, including prior approval, guarantee of payment, during treatment, and throughout claims processing.
This ensures care is effective and appropriate. This approach delivers clear benefits.
Customers access the right care at the right time while avoiding unnecessary or ineffective treatments.
This year alone, the impact is measurable, as more than 19% of Global Individual Health customers who undergo claims review avoid unnecessary treatment.
More than 250 customers are actively benefiting from our clinical support, and 694 customers have closed gaps in care through our evidence-based programmes.*
For brokers, this demonstrates how insurance can actively guide care, not just fund it.
Supporting customers every step of the way
Our clinical programmes support customers across a wide range of needs.
Case management provides dedicated nurse support for complex cases.
Chronic condition management offers personalised guidance for customers living with conditions such as diabetes or cardiovascular disease, even when those conditions are excluded from their policy.
Global telehealth provides around-the-clock access to medical advice, while our second medical opinion service connects customers with independent specialists to support confident treatment decisions.
These programmes extend beyond treatment to prevention and long-term wellbeing, supporting earlier detection, improved adherence and reduced reliance on emergency care.
Personalised support for every life stage
Healthcare needs evolve, and our approach reflects that.
For Platinum customers, Carrot provides guidance on family planning and hormonal health, including fertility, pregnancy, and menopause.
Through our optional health and wellbeing module, customers can also access mental health support via our life management assistance programme, with 24/7 access to counselling, coaching, and practical life support.
Why this matters for brokers and customers
For customers, integrated clinical support provides reassurance that care is appropriate and aligned with their needs.
For brokers, it creates meaningful differentiation in a growing and increasingly competitive individual market.
As demand rises among globally mobile and affluent customers, the ability to demonstrate better outcomes is becoming a key driver of growth.
As expectations continue to evolve, customers are looking for partners who can actively support their health journey.
By integrating clinical expertise into every stage of care, Cigna Healthcare is helping brokers and their customers navigate care more effectively and achieve better outcomes.
*Includes internal GIH data (Data Analytics via HealthCloud), 2026.
This article is part of Health & Protection’s IPMI House of Lords Roundtable. Read and download the roundtable supplement by following this link.
