Get Informed for Free and Without Obligation — We Guarantee the Best Price and Coverage

▷ Health Insurance ⭐

“Without a doubt, the best. Very friendly and punctual on the call. They gave me accurate information about health insurance. Thank you so much! ”

Jose Muñoz Blanco

“They called me at the time I requested, great service, the health insurance enrollment was easy, and at a price lower than what I’m currently paying. ”

Alba Navarro Pérez

Índice de contenidos

Cigna Health Insurance Spain

Cigna Insurance Spain dates back to 1792 in the United States, after a series of meetings held at Independence Hall in the city of Philadelphia, which gave rise to what would later become one of the country’s top insurance companies. It entered Spain in 1945, maintaining its original model, and for more than 225 years, Cigna has developed numerous insurance options, always standing out in the field of healthcare. Over the years, it has continued to innovate, expand, and grow worldwide. Its strong commitment to the people it serves and the protection it offers to each one of them has been a constant throughout Cigna’s history.

Today, Cigna Insurance is one of the best insurers in all of Spain, and its Cigna Health Insurance Spain policy is one of its top offerings.

This health policy has become the company’s flagship product, providing clients with excellent benefits. As a result, Cigna Health Insurance Spain is recognized as one of the best health insurance options. The same applies to Cigna Medical Expenses Insurance.

Thanks to the Cigna Spain medical network, clients receive top-quality care. This is supported by the outstanding healthcare services offered in its plans, as well as access to specialized doctors and first-class medical centers fully equipped to handle any health emergency. Without a doubt, clients can always count on the best Cigna Spain healthcare assistance.

Cigna Spain offers products in both the health and dental sectors, with various plans under Cigna Health Insurance and Cigna Dental Insurance, providing the best service and options to its customers.

What Does Cigna Health Insurance Spain Cover?

When you get Cigna Health Insurance Spain, you receive great services. All of them are necessary to protect our health and that of our family members. With this product, it is possible to have medical consultations of excellent quality. You also get other benefits such as access to diagnostic tests, emergency services, among many others. These healthcare services, as is known, are difficult to obtain immediately in the public health system, since that system is dominated by long waiting periods. But with this well-known insurer, through the health policy and Cigna Spain’s medical network, you get it in the shortest time possible.

Now then, before contracting a policy of this kind, the question surely remains: What Does Cigna Health Insurance Spain Cover? Well, when you get Cigna Health Insurance Spain, both you and your family obtain the peace of mind you need in terms of health. Cigna Insurance, through Cigna (its health insurance brand), offers three plans: Cigna Salud Plena, Cigna Salud Reembolso Blue, and Cigna Salud Reembolso Gold. Each of them is tailored to different needs, so you and your family can be protected.

Cigna Salud Plena is the health insurance plan for your whole family. It comes with a copay model and covers: Primary care in clinic and at home, hospitalization, emergency services, and gives you the option to extend the policy to dental care, among other services.

Cigna Salud Reembolso Blue is a basic reimbursement product that allows you to choose any doctor or hospital anywhere in the world. It covers full healthcare assistance. It includes: Primary care in clinic and at home, hospitalization, emergency services, reimbursement of medical expenses, dental assistance, among other services.

With Cigna Salud Reembolso Gold, you get the best reimbursement product that gives you access to the widest coverage. It covers: Primary care in clinic and at home, hospitalization, emergency services, reimbursement of medical expenses, dental assistance, and access to top medical services both in Spain and in the United States, among other services.

Conditions for Contracting Cigna Health Insurance Spain

If you get Cigna Health Insurance Spain, you receive the best for your health. Without a doubt, this is something vital—especially if you are the cornerstone of your family. However, you should know that there are certain conditions required to contract Cigna insurance. So, what conditions are established when contracting Cigna Health Insurance Spain? Let’s take a look at some of them:

You must inform where your residence is located. If you are a Spanish resident, you are eligible to acquire Cigna Health Insurance.
To contract Cigna Health Insurance Spain, you must fill out the form indicated at the beginning of the article. Then, one of our agents will take note of your information and call you to verify the details you’ve provided. After that, they will call you again to conduct a telephone questionnaire. It’s important to highlight that our agents can guide you through the entire contracting process.
If your age is between 18 and 65 years, you are eligible to contract Cigna health insurance.
You will be asked for information about your health status.
You must state your current occupation.

What Documentation Do I Need to Contract Cigna Health Insurance Spain?

Contracting Cigna Health Insurance Spain is vital for our health. However, you should know that in order to obtain it, you will need to submit some documents that justify your health condition. These documents and requirements must be on hand before contracting a health insurance policy, as they are very important for insurance companies. So, what documentation do I need to contract Cigna Health Insurance Spain? Let’s take a look:

Complete the Health Questionnaire. By completing the health questionnaire, Cigna Insurance can determine whether the person applying for the health insurance suffers from any chronic or pre-existing illness. It also assesses habits such as smoking or alcohol consumption.
Provide First and Last Name. It is essential to provide the full name of the person who wishes to contract Cigna Health Insurance Spain.
Photocopy of DNI, NIE, or Passport of the policyholder. Any of these documents may be submitted to process Cigna Health Insurance Spain, but they must be valid. If they are expired, they will not be accepted.
Have a Bank Account in Spain.
Provide Residential Address. Cigna Insurance requires this information to calculate the premium for the medical insurance. Therefore, it is important to provide this information at the time of requesting to contract Cigna Health Insurance Spain.

What Factors Influence the Price of Cigna Health Insurance Spain?

By obtaining Cigna Health Insurance and Healthcare Assistance Spain, both the policyholder and the covered family members can receive timely and rapid medical attention. However, it is important to understand that there are many factors that significantly influence the calculation of the price. So, what factors influence the price of Cigna Health Insurance Spain in order to obtain one? Let’s take a look at the most relevant ones:

How much does age influence the contracting of Cigna Health Insurance Spain? Perhaps the most influential factor when calculating risk in a health insurance policy is age. The older the applicant is, the higher the chances of developing illnesses. However, it’s not only adulthood that matters—having babies also plays a role. The younger the child, the more medical services they may require.

Does having a medical network or reimbursement option affect the price of Cigna Health Insurance Spain? Yes, it does. In a health insurance policy with a medical network, the insurance company offers its insureds access to a specific list of healthcare professionals and medical centers without needing to pay any invoices (according to the contract terms and if not using a copay product). On the other hand, with a reimbursement policy, the insured can choose any doctor or center outside the medical network. In that case, the insured pays the bill and then processes reimbursement with the insurer. This clearly impacts the price of the insurance.

Does having copays affect the price of Cigna Health Insurance Spain? Yes. A copay is a model in which users of certain policies pay a fixed fee when using a medical service. Generally, insurance companies offer copay health products to lower the cost of the insurance. Therefore, the higher the copay, the lower the premium. In short, yes—it influences the price.

Is it important to be in good health to contract Cigna Health Insurance Spain? Yes, good health is essential for contracting Cigna Health Insurance, and you must complete a medical questionnaire. This allows verification of the applicant’s health condition, regardless of age. Through this, a medical history is obtained, specifying any previous illnesses, surgeries, treatments, and more.

Does your place of residence influence the price of the Cigna Health Insurance Spain policy? Definitely. This is a factor that insurance companies typically consider when calculating the premium, since medical costs can vary between provinces.

Does the number of insured people affect the cost of Cigna Health Insurance Spain? Yes, it can. Some insurance companies offer discounts for adding multiple insured individuals. This applies to family health policies that include coverage and services for all family members. In other cases, policies may be more expensive.

How much do the coverage options affect the price of Cigna Health Insurance Spain? Coverage clearly affects the price. Generally, basic health insurance products offer medical assistance but do not include hospitalization or surgeries, making them more affordable. However, comprehensive insurance plans that cover medical visits, tests and treatments, surgical interventions, and all types of hospitalization are more expensive.

How Can I Cancel Cigna Health Insurance Spain?

There are many reasons in Spain why some people find themselves needing to cancel the health insurance they’ve contracted. However, many do not know how to do it. Faced with this doubt, many ask: How can I cancel Cigna Health Insurance Spain? Well, canceling health insurance is a very simple process. Let’s see:

The Cigna Health Insurance Spain contract is for 12 months, but this does not apply only to Cigna Insurance, as all health insurance companies follow the same guidelines. Because of this, Spanish health insurance law states that to cancel Cigna Health Insurance Spain, you only need to notify Cigna at least one month before the end of the contract year.

For example: If your Cigna Health Insurance Spain policy (or that of any other health insurer) ends on December 31, you must simply inform the insurer of your decision not to renew the policy before November 30.

What Is the Waiting Period for Cigna Health Insurance Spain?

When contracting Cigna Health Insurance Spain with its healthcare assistance, you receive many benefits—something that is undoubtedly very useful. This is why many people choose this health insurance as their best option for healthcare. However, like with most insurance policies, there are waiting periods that must be observed. In case you’re unfamiliar, a waiting period in a health insurance policy is the time you must wait before using certain services or coverages. So: what is the waiting period for Cigna Health Insurance Spain? Let’s see:

The waiting period is the initial time frame during which conditions diagnosed after contracting the insurance will not be covered. Generally, this period lasts 30 days for minor illnesses and up to 90 days for more complex conditions, starting from the date the health insurance is contracted. Accidental emergencies are mostly exempt from this rule.

That said, the specific duration of the waiting period will depend on the type of health insurance you choose, as well as the services you need.

Additionally, it’s important to know that waiting periods also serve as a safeguard for insurance companies. They help ensure that customers do not take out a policy just to cover a specific immediate need and then cancel it once that need is met.

What Exclusions Does Cigna Health Insurance Spain Have?

The limitations or exclusions in a health insurance policy are those situations or treatments not covered by the policy. Therefore, it’s important to know: What exclusions does Cigna Health Insurance Spain have? Here are the most important ones:

Medical attention for pre-existing illnesses or injuries, or even sequelae from an accident before contracting the insurance, is excluded.
Cosmetic surgery, meaning plastic or reconstructive surgery as well as refractive eye surgeries such as those for myopia, hyperopia, and astigmatism, are excluded.
Transplants, except for bone marrow and cornea transplants, are not covered.
Hospitalization for social reasons, such as in cases where patients suffer from functional decline, chronic illness, or age-related conditions.
Medical care resulting from negligence due to drug addiction, self-harm, alcoholism, drug use, suicide attempts, and similar situations is not covered.
Healthcare related to pathologies, accidents, malformations, injuries, or conditions caused by terrorist acts, war conflicts, nuclear radiation, sports practice, work-related or professional accidents, traffic accidents, and the like is excluded.
Voluntary termination of pregnancy, including assistance with home births or through alternative means, is excluded.
Pharmaceutical costs, except those administered during hospitalization—such as medications used in chemotherapy—are not covered. Also, non-authorized medications in Spain are not included.

Can I Contract Cigna Health Insurance with a Serious Illness?

Many people in Spain, when considering getting Cigna Health Insurance, wonder: Can I contract Cigna Health Insurance Spain with a serious illness? You should know that one of the main factors that can prevent you from obtaining Cigna Health Insurance and access to its medical network is having a serious illness.

It is well known that insurance companies generally do not approve policies if the applicant has a pre-existing or serious condition. In such cases, to verify their condition, applicants must fill out a health questionnaire indicating any illnesses they may have. They must also report any injuries or surgical operations they have undergone in the past that may have left lasting effects. In this way, the insurer evaluates the application and the level of risk that the individual represents.

Since it is possible that a prospective policyholder might lie on the health questionnaire in order to secure a policy, Article 10 of Law 50/1980, of October 8, on insurance contracts in Spain, states the following:

The insurer will be exempt from paying any compensation if the applicant provides false information in the medical questionnaire—specifically regarding their state of health—by omitting any serious pre-existing illness.

However, if someone wishes to obtain health insurance and has previously had a serious condition, it may be possible to contract Cigna Health Insurance Spain only if they have fully recovered from that illness and no longer suffer any serious aftereffects. To confirm this, their current health condition must be verified in advance before the policy is approved.