The Cigna Africa plan is an international health insurance plan from Cigna Healthcare, available in Kenya through Naveah Capital. It has six levels (Core, Standard, Select, Essential, Executive and Elite Care) with annual limits from USD 50,000 to USD 6m. Cover ranges from Africa and Africa+ (adding India, Pakistan, Sri Lanka, Lebanon and Bangladesh) through Europe and worldwide excluding the US to full worldwide on Select Care and above. Serious and chronic illnesses are paid in full on every level.
Naveah Capital is your Cigna Healthcare partner in Kenya
We arrange, compare and service Cigna Africa Plan policies for clients in Nairobi and across Kenya. As an IRA-licensed insurance agency we work for you: we set up the right level, area of cover and deductible, compare it with the other international plans on our panel, handle the application and stand beside you at every claim — at no extra cost. Request a quote or WhatsApp us.
Who Cigna Africa is for
- Organisations that want one plan with levels for every grade of staff
- Employers wanting chronic illness, vaccinations and outpatient paid in full
- Teams that need full worldwide cover (Select Care and above)
Cigna Africa plan levels at a glance
- Included
- Included with a limit
- Optional / add-on
- Not covered
Tables scroll sideways to show every level.
| Benefit | Core Care | Standard Care | Select Care | Essential Care | Executive Care | Elite Care |
|---|---|---|---|---|---|---|
| Annual limit | Up to $50,000 | Up to $100,000 | Up to $500,000 | Up to $2,000,000 | Up to $4,000,000 | Up to $6,000,000 |
| Outpatient GP & specialist | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Maternity (routine) | Up to $2,500 | Up to $3,500 | Up to $5,000 | Up to $8,000 | ||
| Newborn cover | Newborn added with full member benefits — no separate $ limit stated | Newborn added with full member benefits — no separate $ limit stated | Newborn added with full member benefits — no separate $ limit stated | Newborn added with full member benefits — no separate $ limit stated | Newborn added with full member benefits — no separate $ limit stated | Newborn added with full member benefits — no separate $ limit stated |
Cover outside your region and outside Kenya
Core and Standard Care offer four areas (Africa, Africa+, Europe, worldwide excluding the US); Select, Essential, Executive and Elite Care add full worldwide cover including the US. Outside your area, emergencies are covered for up to 30 days per trip and 90 days a year — up to USD 30,000 (Core, Standard), USD 75,000 (Select to Executive) and with no separate cap on Elite. Evacuation, repatriation of remains and planned treatment abroad (when care isn't available locally) are paid in full.
| Benefit | Core Care | Standard Care | Select Care | Essential Care | Executive Care | Elite Care |
|---|---|---|---|---|---|---|
| Area of cover options | Africa / Africa+ (India, Pakistan, Sri Lanka, Lebanon, Bangladesh) / Europe(+those) / Worldwide excl. US — 4 options | Africa / Africa+ (India, Pakistan, Sri Lanka, Lebanon, Bangladesh) / Europe(+those) / Worldwide excl. US — 4 options | Africa / Africa+ / Europe(+those) / Worldwide excl. US / Worldwide — 5 options (incl. full Worldwide) | Africa / Africa+ / Europe(+those) / Worldwide excl. US / Worldwide — 5 options (incl. full Worldwide) | Africa / Africa+ / Europe(+those) / Worldwide excl. US / Worldwide — 5 options (incl. full Worldwide) | Africa / Africa+ / Europe(+those) / Worldwide excl. US / Worldwide — 5 options (incl. full Worldwide) |
| Emergency treatment outside your area | Max 30 days/trip, 90 days/yr, up to $30,000 | Max 30 days/trip, 90 days/yr, up to $30,000 | Max 30 days/trip, 90 days/yr, up to $75,000 | Max 30 days/trip, 90 days/yr, up to $75,000 | Max 30 days/trip, 90 days/yr, up to $75,000 | Max 30 days/trip, 90 days/yr (no separate $ cap stated) |
| Emergency medical evacuation | Paid in full (within Medical Evacuation annual max — see overview) | Paid in full (within Medical Evacuation annual max — see overview) | Paid in full (within Medical Evacuation annual max — see overview) | Paid in full (within Medical Evacuation annual max — see overview) | Paid in full (within Medical Evacuation annual max — see overview) | Paid in full (within Medical Evacuation annual max — see overview) |
| Repatriation | Paid in full (death assistance — repatriation of mortal remains) | Paid in full (death assistance — repatriation of mortal remains) | Paid in full (death assistance — repatriation of mortal remains) | Paid in full (death assistance — repatriation of mortal remains) | Paid in full (death assistance — repatriation of mortal remains) | Paid in full (death assistance — repatriation of mortal remains) |
| Planned transfer abroad for treatment | Paid in full (planned out-of-country care when adequate treatment unavailable locally) | Paid in full (planned out-of-country care when adequate treatment unavailable locally) | Paid in full (planned out-of-country care when adequate treatment unavailable locally) | Paid in full (planned out-of-country care when adequate treatment unavailable locally) | Paid in full (planned out-of-country care when adequate treatment unavailable locally) | Paid in full (planned out-of-country care when adequate treatment unavailable locally) |
Pre-existing and chronic conditions
Serious and chronic illnesses are paid in full on all six levels. Congenital and hereditary conditions have no standard exclusion and are covered like any other condition, and HIV/AIDS is paid in full after a 12-month waiting period (which can be waived).
How existing conditions are assessed
The plan brochure does not set out the underwriting method. Before you apply, we confirm in writing how any condition you already have will be treated — covered, covered with an extra premium, or excluded — so there are no surprises at claim time.
| Benefit | Core Care | Standard Care | Select Care | Essential Care | Executive Care | Elite Care |
|---|---|---|---|---|---|---|
| Chronic / pre-existing conditions (in- & day-patient) | Serious illnesses — paid in full | Serious illnesses — paid in full | Serious illnesses — paid in full | Serious illnesses — paid in full | Serious illnesses — paid in full | Serious illnesses — paid in full |
| Congenital & hereditary conditions | No standard exclusion — covered as any other condition (see insurer FAQ) | No standard exclusion — covered as any other condition (see insurer FAQ) | No standard exclusion — covered as any other condition (see insurer FAQ) | No standard exclusion — covered as any other condition (see insurer FAQ) | No standard exclusion — covered as any other condition (see insurer FAQ) | No standard exclusion — covered as any other condition (see insurer FAQ) |
| HIV / AIDS | Paid in full; 12-month waiting period (unless waived) | Paid in full; 12-month waiting period (unless waived) | Paid in full; 12-month waiting period (unless waived) | Paid in full; 12-month waiting period (unless waived) | Paid in full; 12-month waiting period (unless waived) | Paid in full; 12-month waiting period (unless waived) |
| Kidney dialysis | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Cancer treatment | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Hospice & palliative care | Not covered | Not covered | Not covered | Up to $60,000 | Up to $60,000 | Up to $60,000 |
Optical and dental cover
Optical is an optional module: eye tests paid in full plus USD 100–400 a year for lenses and frames, depending on level. Accident-related dental is covered up to USD 500–1,500. Routine dental is an optional module (USD 500, 1,000 or 2,000 a year) and major dental is reimbursed at 50% after 12 months.
| Benefit | Core Care | Standard Care | Select Care | Essential Care | Executive Care | Elite Care |
|---|---|---|---|---|---|---|
| Optical (eye tests, glasses, lenses) | Optional module — eye exam paid in full; lenses/frames up to $100/yr (see Notes) | Optional module — eye exam paid in full; lenses/frames up to $100/yr (see Notes) | Optional module — eye exam paid in full; lenses/frames up to $200/yr (see Notes) | Optional module — eye exam paid in full; lenses/frames up to $200/yr (see Notes) | Optional module — eye exam paid in full; lenses/frames up to $400/yr (see Notes) | Optional module — eye exam paid in full; lenses/frames up to $400/yr (see Notes) |
| Dental — after an accident | Up to $500 | Up to $500 | Up to $1,000 | Up to $1,500 | Up to $1,500 | Up to $1,500 |
| Dental — routine | Optional module — up to $500/yr (Standard); see Notes | Optional module — up to $500/yr (Standard); see Notes | Optional module — up to $1,000/yr (Extra); see Notes | Optional module — up to $1,000/yr (Extra); see Notes | Optional module — up to $2,000/yr (Booster); see Notes | Optional module — up to $2,000/yr (Booster); see Notes |
| Dental — major / restorative | Optional module — 50% reimbursement, 12-mo wait; see Notes | Optional module — 50% reimbursement, 12-mo wait; see Notes | Optional module — 50% reimbursement, 12-mo wait; see Notes | Optional module — 50% reimbursement, 12-mo wait; see Notes | Optional module — 50% reimbursement, 12-mo wait; see Notes | Optional module — 50% reimbursement, 12-mo wait; see Notes |
Full table of Cigna Africa benefits
Every benefit from the Cigna Healthcare plan brochure, level by level, as compiled in Naveah’s international health comparison.
Show all 56 benefits
| Benefit | Core Care | Standard Care | Select Care | Essential Care | Executive Care | Elite Care |
|---|---|---|---|---|---|---|
| Plan Overview | ||||||
| Annual limit | Up to $50,000 | Up to $100,000 | Up to $500,000 | Up to $2,000,000 | Up to $4,000,000 | Up to $6,000,000 |
| Area of cover options | Africa / Africa+ (India, Pakistan, Sri Lanka, Lebanon, Bangladesh) / Europe(+those) / Worldwide excl. US — 4 options | Africa / Africa+ (India, Pakistan, Sri Lanka, Lebanon, Bangladesh) / Europe(+those) / Worldwide excl. US — 4 options | Africa / Africa+ / Europe(+those) / Worldwide excl. US / Worldwide — 5 options (incl. full Worldwide) | Africa / Africa+ / Europe(+those) / Worldwide excl. US / Worldwide — 5 options (incl. full Worldwide) | Africa / Africa+ / Europe(+those) / Worldwide excl. US / Worldwide — 5 options (incl. full Worldwide) | Africa / Africa+ / Europe(+those) / Worldwide excl. US / Worldwide — 5 options (incl. full Worldwide) |
| Emergency treatment outside your area | Max 30 days/trip, 90 days/yr, up to $30,000 | Max 30 days/trip, 90 days/yr, up to $30,000 | Max 30 days/trip, 90 days/yr, up to $75,000 | Max 30 days/trip, 90 days/yr, up to $75,000 | Max 30 days/trip, 90 days/yr, up to $75,000 | Max 30 days/trip, 90 days/yr (no separate $ cap stated) |
| Inpatient / Hospital Treatment Benefits | ||||||
| Hospital Accommodation & Core Charges (room/board, surgeon, anaesthetist, theatre) | Standard private room; doctors' fees & surgery paid in full | Standard private room; doctors' fees & surgery paid in full | Standard private room; doctors' fees & surgery paid in full | Standard private room; doctors' fees & surgery paid in full | Standard private room; doctors' fees & surgery paid in full | Standard private room; doctors' fees & surgery paid in full |
| Intensive Care Unit | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| In-Patient Psychiatric Treatment | Paid in full up to 10 days | Paid in full up to 10 days | Paid in full up to 10 days | Paid in full up to 20 days | Paid in full up to 30 days | Paid in full up to 45 days |
| Chronic / pre-existing conditions (in- & day-patient) | Serious illnesses — paid in full | Serious illnesses — paid in full | Serious illnesses — paid in full | Serious illnesses — paid in full | Serious illnesses — paid in full | Serious illnesses — paid in full |
| Organ / Bone Marrow / Stem Cell Transplant | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Rehabilitation (Inpatient) | Paid in full up to 30 days | Paid in full up to 30 days | Paid in full up to 30 days | Paid in full | Paid in full | Paid in full |
| Kidney dialysis | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Newborn cover | Newborn added with full member benefits — no separate $ limit stated | Newborn added with full member benefits — no separate $ limit stated | Newborn added with full member benefits — no separate $ limit stated | Newborn added with full member benefits — no separate $ limit stated | Newborn added with full member benefits — no separate $ limit stated | Newborn added with full member benefits — no separate $ limit stated |
| Parent Accommodation (staying with child, typically <18) | Paid in full up to 30 days | Paid in full up to 30 days | Paid in full up to 30 days | Paid in full up to 45 days | Paid in full up to 30 days | Paid in full up to 30 days |
| Hospital Cash Benefit (when treatment/accommodation provided free) | Not covered | Not covered | $75/night up to 5 nights | $150/night up to 10 nights | $150/night up to 20 nights | $150/night up to 30 nights |
| Hospice & palliative care | Not covered | Not covered | Not covered | Up to $60,000 | Up to $60,000 | Up to $60,000 |
| Local Road Ambulance | Up to $1,125 | Up to $1,400 | Up to $2,000 | Paid in full | Paid in full | Paid in full |
| Congenital & hereditary conditions | No standard exclusion — covered as any other condition (see insurer FAQ) | No standard exclusion — covered as any other condition (see insurer FAQ) | No standard exclusion — covered as any other condition (see insurer FAQ) | No standard exclusion — covered as any other condition (see insurer FAQ) | No standard exclusion — covered as any other condition (see insurer FAQ) | No standard exclusion — covered as any other condition (see insurer FAQ) |
| HIV / AIDS | Paid in full; 12-month waiting period (unless waived) | Paid in full; 12-month waiting period (unless waived) | Paid in full; 12-month waiting period (unless waived) | Paid in full; 12-month waiting period (unless waived) | Paid in full; 12-month waiting period (unless waived) | Paid in full; 12-month waiting period (unless waived) |
| Cancer treatment | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Emergency medical evacuation | Paid in full (within Medical Evacuation annual max — see overview) | Paid in full (within Medical Evacuation annual max — see overview) | Paid in full (within Medical Evacuation annual max — see overview) | Paid in full (within Medical Evacuation annual max — see overview) | Paid in full (within Medical Evacuation annual max — see overview) | Paid in full (within Medical Evacuation annual max — see overview) |
| Repatriation | Paid in full (death assistance — repatriation of mortal remains) | Paid in full (death assistance — repatriation of mortal remains) | Paid in full (death assistance — repatriation of mortal remains) | Paid in full (death assistance — repatriation of mortal remains) | Paid in full (death assistance — repatriation of mortal remains) | Paid in full (death assistance — repatriation of mortal remains) |
| Outpatient Treatment & Other Benefits | ||||||
| Outpatient GP & specialist | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Prescription Drugs | Up to $500 | Up to $1,000 | Up to $1,500 | Paid in full | Paid in full | Paid in full |
| Diagnostics (X-ray / Pathology / Blood tests) | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Advanced Imaging (MRI / CT / PET) | Paid in full (included in Diagnostic Tests) | Paid in full (included in Diagnostic Tests) | Paid in full (included in Diagnostic Tests) | Paid in full (included in Diagnostic Tests) | Paid in full (included in Diagnostic Tests) | Paid in full (included in Diagnostic Tests) |
| Physiotherapy | 5 sessions | 10 sessions | 10 sessions | Paid in full | Paid in full | Paid in full |
| Complementary Therapies (Osteopathy, Chiropractic, Acupuncture, TCM etc.) | Not covered | Not covered | Not covered | Paid in full | Paid in full | Paid in full |
| Outpatient Surgery | Paid in full (included in Surgery benefit, incl. day surgery) | Paid in full (included in Surgery benefit, incl. day surgery) | Paid in full (included in Surgery benefit, incl. day surgery) | Paid in full (included in Surgery benefit, incl. day surgery) | Paid in full (included in Surgery benefit, incl. day surgery) | Paid in full (included in Surgery benefit, incl. day surgery) |
| Outpatient Psychiatric Treatment | Up to $500 | Up to $500 | Up to $500 | Up to $1,500 | Up to $1,500 | Up to $1,500 |
| Home Nursing (post-discharge) | $200/day up to 28 days | $200/day up to 28 days | $200/day up to 28 days | Paid in full up to 45 days | Paid in full up to 45 days | Paid in full up to 45 days |
| Vaccinations | Paid in full (children & adults) | Paid in full (children & adults) | Paid in full (children & adults) | Paid in full (children & adults) | Paid in full (children & adults) | Paid in full (children & adults) |
| Routine Health Screening / Wellness Checks | Wellness max $200/yr; screenings paid in full | Wellness max $300/yr; screenings paid in full | Wellness max $500/yr; screenings paid in full | Wellness max $500/yr; screenings paid in full | Wellness max $1,000/yr; screenings paid in full | Wellness max $2,000/yr; screenings paid in full |
| Optical (eye tests, glasses, lenses) | Optional module — eye exam paid in full; lenses/frames up to $100/yr (see Notes) | Optional module — eye exam paid in full; lenses/frames up to $100/yr (see Notes) | Optional module — eye exam paid in full; lenses/frames up to $200/yr (see Notes) | Optional module — eye exam paid in full; lenses/frames up to $200/yr (see Notes) | Optional module — eye exam paid in full; lenses/frames up to $400/yr (see Notes) | Optional module — eye exam paid in full; lenses/frames up to $400/yr (see Notes) |
| Dental — after an accident | Up to $500 | Up to $500 | Up to $1,000 | Up to $1,500 | Up to $1,500 | Up to $1,500 |
| Dental — routine | Optional module — up to $500/yr (Standard); see Notes | Optional module — up to $500/yr (Standard); see Notes | Optional module — up to $1,000/yr (Extra); see Notes | Optional module — up to $1,000/yr (Extra); see Notes | Optional module — up to $2,000/yr (Booster); see Notes | Optional module — up to $2,000/yr (Booster); see Notes |
| Dental — major / restorative | Optional module — 50% reimbursement, 12-mo wait; see Notes | Optional module — 50% reimbursement, 12-mo wait; see Notes | Optional module — 50% reimbursement, 12-mo wait; see Notes | Optional module — 50% reimbursement, 12-mo wait; see Notes | Optional module — 50% reimbursement, 12-mo wait; see Notes | Optional module — 50% reimbursement, 12-mo wait; see Notes |
| Maternity (routine) | Up to $2,500 | Up to $3,500 | Up to $5,000 | Up to $8,000 | ||
| Maternity – Complications | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full | Paid in full |
| Second Medical Opinion | Included within Medical Advice & Support Services (decision support) | Included within Medical Advice & Support Services (decision support) | Included within Medical Advice & Support Services (decision support) | Included within Medical Advice & Support Services (decision support) | Included within Medical Advice & Support Services (decision support) | Included within Medical Advice & Support Services (decision support) |
| Teleconsultation / Telehealth | Included | Included | Included | Included | Included | Included |
| Member/Employee Assistance Programme | Not included | Not included | Not included | Included | Included | Included |
| Additional / Provider-Specific Benefits | ||||||
| External Prostheses (Outpatient, per Policy Year) | Up to $2,500 | Up to $5,500 | Up to $7,500 | Paid in full | Paid in full | Paid in full |
| IVF / Fertility Treatment | Not covered | Not covered | Not covered | Not covered | Not covered | 50% reimbursement up to $10,000/yr, $5,250/attempt |
| Planned transfer abroad for treatment | Paid in full (planned out-of-country care when adequate treatment unavailable locally) | Paid in full (planned out-of-country care when adequate treatment unavailable locally) | Paid in full (planned out-of-country care when adequate treatment unavailable locally) | Paid in full (planned out-of-country care when adequate treatment unavailable locally) | Paid in full (planned out-of-country care when adequate treatment unavailable locally) | Paid in full (planned out-of-country care when adequate treatment unavailable locally) |
| Health Risk Assessment (online tools) | Not included | Not included | Not included | Included | Included | Included |
| Value-Add Medical Advice & Case / Chronic Condition Management | Included | Included | Included | Included | Included | Included |
How Cigna Africa compares with our other partner plans
We place seven international health plans in Kenya. If Cigna Africa isn’t the right fit, one of these may be — or let our free plan matcher shortlist them for you.
USD 3m – USD 4.5m · 4 levelsNow Health WorldCare
Expats and globally mobile families who want high limits without US premiums.
USD 2m · 4 levelsAPRIL Africa Long-Term
People based in Kenya who want a straightforward USD 2m limit at a regional price (Area 3).
USD 1.6m – USD 5m · 4 levelsGEHP (AXA / Old Mutual)
Kenya residents who want a locally issued policy with a global network.
USD 2m – USD 10m · 4 levelsBupa Company Africa
Employers wanting a premium global brand for senior staff.
USD 1.5m – USD 3m · 2 levelsBupa Africa Explorer
Individuals and families who want the Bupa name at an Africa-based price.
USD 3m – USD 5m · 5 levelsVUMI Global Flex VIP
Families who want maternity, newborn and even IVF cover (Superior to Total).
Frequently asked questions
Does Cigna Africa cover treatment outside Kenya?
Core and Standard Care offer four areas (Africa, Africa+, Europe, worldwide excluding the US); Select, Essential, Executive and Elite Care add full worldwide cover including the US. Outside your area, emergencies are covered for up to 30 days per trip and 90 days a year — up to USD 30,000 (Core, Standard), USD 75,000 (Select to Executive) and with no separate cap on Elite. Evacuation, repatriation of remains and planned treatment abroad (when care isn't available locally) are paid in full.
Does Cigna Africa cover pre-existing or chronic conditions?
Serious and chronic illnesses are paid in full on all six levels. Congenital and hereditary conditions have no standard exclusion and are covered like any other condition, and HIV/AIDS is paid in full after a 12-month waiting period (which can be waived).
Does Cigna Africa include dental and optical cover?
Optical is an optional module: eye tests paid in full plus USD 100–400 a year for lenses and frames, depending on level. Accident-related dental is covered up to USD 500–1,500. Routine dental is an optional module (USD 500, 1,000 or 2,000 a year) and major dental is reimbursed at 50% after 12 months.
What is the annual limit on Cigna Africa?
Cigna Africa has 6 levels with these annual limits: Core Care (USD 50k), Standard Care (USD 100k), Select Care (USD 500k), Essential Care (USD 2m), Executive Care (USD 4m), Elite Care (USD 6m). The right level depends on who you are covering, where you need treatment and your budget — we compare them side by side for you.
Can I buy Cigna Africa in Kenya through Naveah Capital?
Yes. Naveah Capital is an IRA-licensed insurance agency in Nairobi and a partner for Cigna Healthcare in Kenya. We compare Cigna Africa Plan against the other international plans we place, help you choose the right level, area of cover and deductible, submit the application and stay with you through every claim — at no extra cost to you. Call or WhatsApp 0722 710 004, or request a quote on this page.
Get your Cigna Africa quote
Tell us who needs cover and where — an IRA-licensed adviser prices Cigna Africa and compares it with the other plans we place, usually within the hour.
Summary of the Cigna Healthcare plan brochure as compiled in Naveah’s international health comparison, reviewed October 2026. Benefits, limits, waiting periods and exclusions are confirmed on the insurer’s policy documents and your quote. Naveah Capital is an independent, IRA-licensed insurance agency; insurer names and logos belong to their owners.
Naveah Capital · International health team
IRA-licensed insurance agency · 209 Parkwest Building, Parklands, Nairobi
We compare international health plans from seven partner insurers so expats, families and companies in Kenya get the right cover at the right price. Talk to an adviser or call 0722 710 004.
