Healthcare · Decision Guide
Cigna Global for Expats in Mexico (2026)
Unlike European countries, Mexico doesn't require health insurance for residency visas. But that doesn't mean you should skip coverage. Cigna Global provides access to Mexico's top private hospitals and coverage that works if you travel or relocate.
Last reviewed: January 2026
Decision-support content for research purposes. Not legal, tax, or financial advice. Verify with official sources.
Understand when Cigna Global makes sense in Mexico.
- Know how Cigna fits Mexico's healthcare landscape
- Compare with IMSS and local options
- Understand when premium coverage is worth it
Cigna Global at a glance
Key facts for Mexico.
| Visa required? | No Mexico doesn't require insurance |
| Monthly cost | €150-400+ Varies by age |
| Best for | Families, health concerns Those wanting premium access |
| Alternative | IMSS (~$600/year) Public option for residents |
Key tradeoffs
Important considerations that affect most people in this situation.
Why choose Cigna in Mexico
- • Access to top private hospitals (ABC, Médica Sur)
- • Coverage works globally
- • No pre-existing condition waiting
- • English-speaking support
Considerations
- • Much more expensive than IMSS
- • May be overkill for healthy expats
- • Annual commitment typical
- • IMSS + pay-as-you-go often sufficient
Insurance in Mexico's context
Mexico offers different trade-offs than Europe.
Mexico doesn't require insurance for residency—the requirements are financial (income/savings). You can choose your coverage based on actual needs, not visa compliance.
Options include: IMSS (public healthcare, ~$600/year), Mexican private insurance, international coverage like Cigna, or pay-as-you-go.
Cigna makes sense if you want premium private access, have ongoing health needs, or want coverage that travels with you.
- No visa insurance requirement in Mexico
- IMSS is a viable low-cost option
- Cigna for premium private access
- Consider your actual health needs
When Cigna makes sense
Premium coverage isn't always necessary in Mexico.
Families: Pediatric care and comprehensive coverage matter more than cost. Cigna provides breadth.
Health concerns: Those with ongoing conditions may value premium coverage without IMSS waiting periods.
Frequent travelers: If you split time between Mexico and other countries, Cigna works everywhere.
Peace of mind: Some expats simply prefer familiar international coverage.
Cigna vs IMSS
The cost difference is dramatic.
IMSS costs ~$600/year. Cigna costs €150-400/month (€1,800-4,800/year). That's 3-8x more expensive.
IMSS provides comprehensive coverage but with assigned clinics, wait times, and Spanish-language service.
Many expats use IMSS + pay-as-you-go private care, saving thousands compared to international insurance.
Common pitfalls
Issues that frequently catch people off guard in this area.
Common questions
Do I need Cigna for Mexico residency?
No—Mexico doesn't require insurance for visas. Choose based on your healthcare needs, not visa compliance.
Is Cigna worth it in Mexico?
Depends on your situation. For families, health concerns, or frequent travelers, yes. For healthy expats comfortable with IMSS, probably not.
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 private access
- IMSS — Public alternative at ~$600/year
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.