Cigna Global - Individual Expat Health Insurance 72 Gordon Street, Glasgow G1 3RS

"If I could give ZERO stars, I would. The first time I went to use my policy, I called to get a GOP (like the policy says to) and I was told by a customer service agent that filing a claim would be much easier and I should just do that. So, being new to the plan, I agreed and filed a claim. I was informed it would take a week to get an update. Fast for award TWO MONTHS AND MANY EMAILS WITH NO RESPONSE LATER, I finally was able to get a few responses saying that they were “looking into to it” and I was continuously given a different case number. A few days later, after I emailed incessantly, I was finally told that the financial department was looking in to it. I waited the week they said it would take to get a response before emailing and was finally reached out to someone that they had accepted my claim and would send the money the next day. They told me it could take up to five days to get my money, which I understood. That was 1/30. Now today, 2/12, I still don’t have money after emailing multiple times again with no response. When I called, I would always get hung up on before getting to talk to someone. I was finally able to get in touch with someone today and was told that they would escalate it to the financial department to see where the wire transfer went and how I HAVE TO WAIT AGAIN TO GET MY MONEY. This has been ridiculous and exhausting. Cigna is the worst. Do not get plans with them as they won’t help you."

"Do not recommend. Unfortunately the only positive experience with the company was during the sales of policy. After that the overall service was mostly disappointing. Upon signing my policy, I was advertised a wide range of health care providers in my new country, but in reality none actually accepted Cigna insurance, and my family needed to pay out of pocket. Submitting claims afterwards was never an easy process, neither was dealing with their billing and accounts. Unfortunately their online web portal is not helpful either. When I needed to retrieve policy receipts, I had to go through multiple agents via their callcenter, over multiple days, and the company has yet to email receipts for payment. If you are a global professional looking for a service that performs as promised, this is not be your best option."

"I feel scammed. I had a nasal obstruction that caused sleep problems and needed surgery. I pre-approved this surgery, which was covered by my plan, for 3 months in advance with cigna. Everything was OK from their side. Then I had the surgery. After sending them the invoices, cigna told me nearly 18 months later (yes, thats how long the whole process took) that they will not pay, because somewhere in the process I mentioned that I had a stuffy nose every now and then as a child. They said this was me withholding information from them when signing the contract about the sickness that was already there during childhood. Which I cannot prove, because I was never at the doctor because of my nose, because there was never any real reason to go to the doctor because of a stuffy nose as a child. All in all, an absolutely horrible experience, waiting for customer service replies for months and months."

"Same issue everyone has with collecting claim. I didn’t finish my policy. Took payment method off. Why should I pay for something they’re not paying me back for. Negative 100 stars if it was allowed here. They shouldn’t be ranked number one. They should not be ranked at all."

"It is a full time job making sure that these folks process your claims correctly. I’ve been chasing them down for two years just to pay for a simple COVID test. Other times, they pay no questions asked. It’s very odd. They just admitted that they lost a claim I made for corrective lenses…they had all the paperwork, but couldn’t find the claim? Other colleagues of mine have been overpayed for services. Incredibly poor overall."