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    Australia

    Private international health insurance in Australia

    Whether you’re a student, an expat, or a business transfer, protect yourself and your loved ones with private health insurance.

    Our policies are international, so you’ll be protected in Australia and over 200 countries and territories.

    • Get a quote in under two minutes
    • Customizable plan to meet your needs
    • 24/7 support and assistance available

    Get a quote, it takes only 2 minutes!

    Ontvang een gratis offerte
    greenLeaf

    Why choose Cigna for global health insurance in Australia?

    Wide-ranging cover for medical expenses

    We cover many costs at doctor’s clinics and hospitals in Australia. From accommodation charges and emergency treatment, to screening for cancer.

    Direct billing with most care providers

    We can settle the cost of treatment directly with the provider. This means you don't have to foot the bill upfront. Get access to medical support in Australia - and beyond.

    Customer care team available 24/7

    Our customer care team is available 24 hours a day, every day of the week. You can also speak to a doctor remotely if needed.
    Cigna Leaf

    Our health insurance plans

    Our Global Health Options plans are available in Silver, Gold and Platinum level. Access wide-ranging support across medical providers and hospitals in Australia and across the globe – from hospital rooms and outpatient medicines to rehabilitation assistance. Key cover includes:

    • Geestelijke gezondheidszorg
    • Cancer treatment and preventative surgery
    • Emergency outpatient treatments in hospitals

    You could also receive maternity and dental care, depending on your health insurance plan.

    In addition to our global plans, we also offer regional cover via our Close Care℠ Plan.

    Polis in detail

    Global Health Options plans

    Silver Gold Platinum
     

    Our Silver plan covers day-patient cover, including hospital stays and treatment.

    Our Gold policy package includes maternity cover, and dental treatment. This plan could be ideal for you if you’re moving with your family.

    Our most extensive insurance package, Platinum gives you and your family access to a broad range of treatments – often paid in full.
    Geographic cover

    Wereldwijd

    Wereldwijd

    Wereldwijd
    Totale jaarlijkse vergoeding

    $ 1.000.000

    $ 2.000.000

    Ongelimiteerd
    Inpatient, day-patient and accommodation costs

    Private room paid in full

    Private room paid in full

    Private room paid in full
    Kankerzorg

    Volledig vergoed

    Volledig vergoed

    Volledig vergoed
    Mental and behavioral healthcare

    Up to $5.000

    Up to $10.000

    Volledig vergoed
    Kraamzorg

    Exclusief

    Routine inpatient maternity cover – paid in full up to $7.000

    Routine inpatient maternity cover – paid in full up to $14.000

    Close Care℠

    Our essential plan covers you in your country of residence and your home country.

    You can also add modules to extend this cover, including dental and wider outpatient care.

    Close Care℠
    Geographic cover

    Country you’re living in and home country only
    Totale jaarlijkse vergoeding

    $500.000 (with $250.000 condition limit)
    Inpatient, day-patient and accommodation costs

    Semi-private room paid in full
    Kankerzorg

    Volledig vergoed
    Mental and behavioral healthcare

    Exclusief
    Kraamzorg

    Exclusief
    greenLeaf

    Hoe werkt een internationale ziektekostenverzekering?

    1. Get a free quote and buy your policy

    Build a quote online or give us a call at +44 (0)1475 492119
    Choose a plan, customise your deductibles & cost shares, find a cost that meets your needs, and choose how you want to pay. Choose from monthly, quarterly and annual payments.

    2. Manage your policy with our easy app

    Manage your health and wellbeing on the go, wherever you may be.

    The Cigna Wellbeing® App gives you access to Global Telehealth consultations from anywhere in the world. Use our online customer area to access your policy documents, at any time.

    3. Get your treatment and make a claim

    Get in touch with our customer care team to make a claim.
    We’ll connect you to a medical expert within 24 hours, via global network of over 2,2 million partnerships.

    Direct billing available in most cases, as we liaise directly with your treatment provider.

    Private health insurance in Australia

    Australia’s healthcare system, known as Medicare, guarantees all citizens healthcare at a low, or no cost. But international visitors usually need private health insurance to access care.

    Our international expat coverage provides broader protection, including prescription medications, doctor visits and emergency services. U kunt ook sneller en efficiënter toegang krijgen tot behandelingen dan een groot deel van het openbare stelsel in Australië.

    Whether you’re living in metropolitan Melbourne or coastal Darwin, remote locations are no problem for our team. Get Telehealth consultations from anywhere, plus pre-trip advice through our Travel Information Portal.
    greenLeaf

    Additional benefits as part of your international health insurance cover

    Telezorg-consultaties

    We know how to deliver the support you require, whenever you need it. Enjoy unlimited phone or video doctor consultations, along with counseling and coaching.

    International cover, wherever you are

    Your international cover (Silver, Gold or Platinum) can help wherever you are.

    Flexible plans, made for you

    Your health insurance quote is customized to fit the needs of you and your family. Align it with your budget today.

    Add more cover to your policy

    Once you’ve chosen from our Silver, Gold and Platinum packages, make them even more bespoke to you with additional cover.

    International Outpatient – optional cover

    Our international outpatient insurance provides access to a broad range of healthcare treatments that don’t require admission to a hospital. For example, you can get:

    • Consultations with specialists, in-person or online
    • Voorgeschreven medicijnen en verbandmateriaal
    • Radiology and diagnostic tests
    • Ambulante revalidatie
    • Cover for hearing aids

    International Evacuation & Crisis Assistance PlusTM – optional cover

    This medical insurance add-on covers emergency healthcare and assistance. It could help if there’s a global crisis, or to evacuate you if local treatment can’t help. It can give you:

    • Emergency transport to good hospitals.
    • Repatriation if you experience a serious medical event
    • Crisis response services following travel or security risks
    • Help with compassionate travel and living costs
    • Travel costs for people who accompany you

    International Health & Wellbeing – optional cover

    Boost your health with insurance for screening, tests and dietetic consultations. There’s also a mental health support program for expats as well.

    • Support from wellness coaches
    • Access to preventative cancer screenings
    • Emotional support from counselors
    • Non-symptomatic, routine physical examinations each year
    • Transport to a specialist center

    International Vision & Dental – optional cover

    Get eye tests and help with the cost of eyewear, plus a wide range of preventative, and routine dental treatments:

    • Cover for dental appointments
    • Preventative, routine, and major dental treatments
    • Routine eye exams
    • Support with costs for glasses and lenses
    greenLeaf

    Who comes to us for Expat Health Insurance in Australia?

    International students

    Students in Australia may need specific health insurance policies to stay protected. This can mean getting cover for routine medical procedures – such as trips to the doctor and dentist.

    With international student health insurance, there’s emergency coverage for anything unexpected.

    Mobile workers

    Australia’s international working community ranges from rural backpackers to high-flying professionals in Sydney, Melbourne or Brisbane.

    With health insurance needs as varied as their backgrounds, expats may benefit from custom cover options. That’s why we offer international expat health insurance at various prices and levels, including insurance for families and global professionals.

    Gepensioneerden

    From the golden beaches to the laid-back lifestyle, it’s no wonder so many people choose Australia as a place to spend their later years.

    Taking care of your health can help you make the most of later life, whether through screening for age-related conditions or cover for nutrition, sleep and weight management coaching. Cigna’s insurance for seniors and retirees can help you to thrive.
    Trustpilot

    More information about healthcare in Australia

    Quick facts about healthcare in Australia

    Hospitals: There are 697 public hospitals in Australia (Australian Government, 2022). Additional private hospitals are available too.

    Healthcare ranking: 21st out of 167 countries (Legatum Institute Foundation)

    Health insurance: According to a report by the Australian Competition and Consumer Commission (ACCC), 55% of Australians [PDF] held private medical insurance in 2023.

    Emergency services number (while in Australia): 000

    Cigna claim number (while in Australia): 800 835 7677

    Further information about Australian healthcare

    In an emergency in Australia, call 000 and request an ambulance, or go to the nearest hospital.

    If you are from a country with a reciprocal arrangement, Emergency Department treatment is free.

    As of 2024, these countries are: Finland, Ireland, New Zealand, the Netherlands, Norway, Sweden, the United Kingdom, plus Italy and Malta for a limited timeframe.

    Other nationalities will need to pay for their emergency care in Australia. Our insurance can help you to manage this cost.

    Temperatures and climate

    Australia is a hot and sunny nation. While that is undoubtedly part of its appeal,  it’s important to know that it has some of the world’s highest skin cancer rates as a result. The good news is with Cigna Platinum health insurance, cancer screening is covered.

    In the north, you’ll find hot and humid summers, with warm winters too. However, the island of Tasmania sees winter temperatures as low as 3°C.

    Having effective cover in place can provide peace of mind if you’re concerned about the impact of the climate on your health, or any underlying conditions.

    Frequently asked questions about health insurance in Australia

    Does Cigna international health insurance include repatriation?

    Yes, in some cases our international health insurance may include cover for repatriation from Australia to your home country. This may apply if your specific treatment or emergency needs cannot be catered for in Australia. Australië heeft echter een van de beste gezondheidsservices ter wereld en kan de meeste behandelingen uitvoeren.

    Wat zijn de kosten van ziektekostenverzekering in Australië?

    The cost of expat health insurance in Australia will depend on your personal circumstances. Certain factors, such as your age, may alter the total price of your international insurance. At Cigna, our flexible, global options can help you build your plan around your budget and preferences.

    Welke standaard gezondheidszorg wordt er geboden in Australië?

    De standaard van gezondheidszorg in Australië is een van de hoogste ter wereld. In a 2023 report the Organisation for Economic Cooperation and Development (OECD) found that 85% of Australians rate their health as ‘good’ or ‘very good’. It also found the system is efficient, with plenty of doctors per person. However, it’s easier for those living in the inner city and built-up areas to access treatment than those in rural areas.

    Can expats get health insurance in Australia?

    Yes, expats can get health insurance for their trip to Australia – whether they’re staying for six months or moving permanently. International health insurance lets expats get coverage from the moment they arrive. Remember that expats are responsible for their own health costs in Australia – without insurance, you might need to pay big bills upfront.

    Is the GP free in Australia?

    Visits to the GP – a type of primary doctor called a general practitioner – are not free in Australia. They may be covered fully or in part by Medicare, which is available to Australians and New Zealanders. As of 2024, GP visits may cost around $100 a visit for expats from elsewhere. International health insurance may help cover some of these costs.

    Which health insurance is best for a visitor to Australia?

    For a visitor to Australia, the best health insurance depends on your circumstances. You can choose from:

    • Close Care℠, for cover in Australia and your home country only
    • International health insurance, for worldwide cover
    • Kortlopende internationale ziektekostenverzekering

    © 2025 Cigna Healthcare. Alle rechten voorbehouden.

    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

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