Healthcare · Decision Guide
Cigna Global for Expats in Italy (2026)
Cigna Global is a reliable choice for expats navigating Italy's demanding visa documentation requirements. Italian consulates are notoriously particular about insurance, and Cigna's comprehensive coverage and clear documentation help smooth the process.
This page covers using Cigna Global for your Italy move—Elective Residency compliance, costs, and what to verify.
Last reviewed: January 2026
Decision-support content for research purposes. Not legal, tax, or financial advice. Verify with official sources.
This guide helps you understand whether Cigna Global is right for your Italy visa.
- Understand which Cigna plans meet Italian visa requirements
- Know what documentation Italian consulates expect
- Compare costs for Elective Residency applicants
- See how Cigna works with Italy's SSN system
Cigna Global at a glance
Key facts about using Cigna Global for Italy.
| Visa compliance | Generally accepted Familiar to Italian consulates |
| Plan types | Silver, Gold, Platinum Gold/Platinum recommended |
| Monthly cost | €150-400+ Varies by age and plan |
| Best for | Elective Residency, families Those navigating strict bureaucracy |
Key tradeoffs
Important considerations that affect most people in this situation.
Why people choose Cigna for Italy
- • Documentation familiar to Italian officials
- • Comprehensive coverage meets strict requirements
- • Good private hospital access (Rome, Milan, Florence)
- • Reduces bureaucratic friction
Considerations
- • Premium pricing
- • Annual commitment typical
- • May exceed needs after SSN access
- • Some plans have deductibles
Cigna Global and Italian visa requirements
Italy's bureaucracy is demanding. Cigna helps navigate it.
Italian consulates require comprehensive private health insurance with clear coverage terms. Cigna's Gold and Platinum plans typically satisfy these requirements.
For Elective Residency (Italy's main retirement/passive income visa), consulates are particularly strict. They expect comprehensive coverage—no gaps, no ambiguous terms.
Cigna's documentation is familiar to Italian officials, which reduces questions and potential delays in an already slow process.
- Gold and Platinum plans commonly accepted
- Silver may face questions at strict consulates
- Documentation format familiar to Italian officials
- Reduces bureaucratic friction
Cigna for Elective Residency applicants
Elective Residency is Italy's main pathway for retirees.
Elective Residency requires approximately €31,000+ in annual passive income. Applicants are typically older and prioritize comprehensive, reliable coverage.
Since Elective Residency prohibits work in Italy, you won't have employer coverage. Private insurance is your only option until SSN registration.
Cigna's comprehensive plans align well with this profile—you're investing in healthcare certainty for years of Italian residency.
Cigna and Italy's SSN
Understanding the path to public healthcare.
Once you have your permesso di soggiorno and codice fiscale, you can register with SSN at your local ASL. SSN provides public healthcare access.
However, private insurance gets you to that point. Cigna covers you during the visa process and until SSN is active.
Many expats maintain Cigna alongside SSN—private coverage provides faster specialist access and private hospital options.
What Cigna Global costs for Italy
Pricing for the Elective Residency demographic.
For a 55-year-old (common profile), expect €250-350/month for Gold coverage. For a 65-year-old, costs rise to €350-450/month.
Given the €31,000+ income requirement, this represents a manageable portion of required resources.
Common pitfalls
Issues that frequently catch people off guard in this area.
Common questions
Is Cigna Global accepted for Italy's Elective Residency?
Generally yes, particularly Gold and Platinum plans. Cigna's documentation is familiar to Italian consulates, which helps in Italy's demanding bureaucracy.
Can I switch to SSN after getting residency?
Yes. Once you have your permesso and codice fiscale, register at your local ASL. Many expats maintain Cigna as supplemental coverage.
Examples
These are examples of providers in this space, not endorsements. Options, features, and pricing change. Research current offerings before making decisions.
- Cigna Global Gold — Comprehensive, standard for Elective Residency
- Cigna Global Platinum — Maximum coverage
Next steps
Continue your research with these related guides.
Sources & references
Provider Information
- Cigna Global – Official plans
Information gathered from these sources as of January 2026. Requirements and procedures may change.