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Flexible, Comprehensive and Cost-Effective Coverage

Whether your workforce is global, local or a mixture of the two, our line of Cigna Spectum plans provides the solutions you’re looking for. We’ll work with you to create the perfect plan for your employees. All of our Cigna Spectum plans provide the reassurance of comprehensive core cover — and the flexibility to add benefits that fit your company’s unique needs.



STANDARD MEDICAL COVER

Flexible modules of choice

Pre-existing conditions generally covered

No pre-authorization or referral needed*

Tailored to both globally mobile and local employees

On hand 24/7, 365 days a year

Paperless claim submission



BENEFITS FOR EMPLOYER

  • Cigna team support and client portal to manage employer's healthcare plan
  • Effective claims monitoring and case management processes
  • Global network with preferred rates
  • Sales capability in 30 countries and jurisdictions
  • Customer service teams conversing in 35+ languages

BENEFITS FOR EMPLOYEE

  • 24 hour, 7 days a week Global Helpline supporting 35+ languages
  • Access to 1.5 million healthcare professionals and leading private hospitals
  • Direct billing from hospital to Cigna
  • 100+ in-house doctors and nurses providing clinical and case management support
  • Health and targeted risk assessments


THE BENEFITS OF CIGNA

What should you know about Cigna; How does it work and what should I expect? Find answers to the most common questions in this short video.