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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 providing international private medical insurance (IPMI) that meets the unique needs of globally mobile customers.
Today, we serve customers in more than 200 countries and jurisdictions, supported by licenses in more than 30 countries and jurisdictions, and have more than two million direct settlement relationships with healthcare providers, clinics, and facilities globally, removing the pain point of reimbursement and helping customers focus on their health outcomes.
Our plans are flexible and designed to meet individual needs, with no age limit on applications or renewals, and we provide 24/7 access to clinical experts to help customers navigate their care. This enables us to work closely with brokers and customers to provide solutions that match the unique circumstances of globally mobile individuals.
Quickly shifting industry
The international healthcare industry is shifting quickly. Global mobility is rising, with more people relocating for work, lifestyle, or family reasons. At the same time, healthcare costs and systems vary widely between regions.
Customers want more than an insurance policy; they expect seamless, worldwide access to quality care, often through digital services and preventative health programs. Speed, personalisation, and proactive support are becoming as important as the coverage itself.
For brokers, this means conversations with customers are changing. Instead of focusing solely on protection against major medical events, customers want guidance on how insurance can support their everyday health and wellbeing.
Preventative care, wellness tools, and virtual consultations are features that customers look for as the standard. Insurance is no longer just about being there in a crisis; it is about helping customers live healthier lives overall, and increasingly, supporting their focus on longevity and sustained quality of life.
Proactive HNWIs
Within international health, high-net-worth individuals (HNWIs) represent a distinct customer group with unique needs, requiring tailored solutions and specialized support.
Although they have the means to self-fund treatment, HNWIs frequently value insurance because navigating care across borders is complex. Accessing the right specialists, treatments, and facilities can be difficult to arrange independently, and insurance not only simplifies that process but also provides reassurance against unexpected high costs.
What sets HNWIs apart is the way they view health. They are proactive, often investing heavily in wellbeing and engaging in regular preventative check-ups.
They look for comprehensive benefits, high or unlimited coverage limits, and services that go beyond the essentials, such as second medical opinions, wellness programs, and holistic support for mental health, dental, and vision care.
Brokers play a central role in meeting these needs. HNWIs often delegate insurance management to family offices, executive assistants, or trusted brokers, which means insurers must deliver not only to the customer but also to their representatives. Clear communication, responsiveness, and simplified processes for these stakeholders can make the difference between retaining or losing a high-value customer.
For brokers, this represents both a responsibility and an opportunity: the ability to offer solutions that feel truly bespoke is a key driver of trust and long-term relationships. The international health care market will continue to evolve, but one certainty is that HNWIs will remain a driver of demand. For brokers, understanding their expectations and having the right partner to meet them is essential.
Specialist HNWI enhancement
At Cigna Healthcare, Global Individual Health, our role is to empower brokers to deliver excellence at every touchpoint.
With Cigna Platinum, your customers don’t just get protection; they gain a plan designed to optimize their health all year-round, with access to world-leading medical providers, dedicated named broker support, family-focused benefits, and exclusive platforms like Carrot for expert guidance on hormonal and family-building journeys.
And soon, we’ll be looking to introduce an enhancement to Platinum, crafted specifically for HNWIs, offering even greater personalisation, choice, and access to services that elevate the Platinum experience to a new level. Because for this customer segment, health insurance is more than coverage; it is peace of mind, freedom, and the confidence to live life without compromise.
Download Health & Protection’s IPMI House of Lords roundtable supplement by following this link.
