Cigna provide their medical insurance plans in China through a joint venture with China Merchants Bank creating Cigna CMB.

How we and our client’s rate them

cigna chinaPrice: Medium
China Direct Billing:  9/10
Cover:  6/10
Overseas Capabilities:  8/10
Service:  Very Good
Popularity:  5/10
Direct Billing?  Yes
Online servicing?  Yes
Portable to other countries when you leave China?   No
Lifetime renewability?  No

*These ratings are subjective and based on our industry experience and feedback from our clients.

The pros

  • Competitive inpatient only plans
  • Good post-sales servicing

The cons

  • Very strict underwriting
  • Coverage isn’t comprehensive
  • Do not provide full mortal remains repatriation benefit