Insurance Comparison 2026
Bupa Global Major Medicalvs.Cigna Global Health Insurance for Students
An independent side-by-side comparison covering benefits, costs, and coverage details.
✓ Based on official policy documents ✓ Updated April 2026 ✓ Independent comparison
Comparing featured plans: Bupa Global Major Medical Premier, Cigna Global Health Insurance for Students Cigna Global Gold. Each provider offers multiple tiers.
| Feature | Bupa Global Major Medical View Details | Cigna Global Health Insurance for Students View Details |
|---|---|---|
| Pricing | ||
| Monthly price | | |
| Annual price | | |
| Currency | GBP | GBP |
| Medical Coverage | ||
| Medical coverage Maximum payout for medical care | | |
| Deductible What you pay before insurance kicks in | | |
| Prescription drugs | | |
| Emergency repatriation | | |
| Mental Health | ||
| Mental health coverage Therapy, counseling, psychiatric care | Covered up to annual limit | $10,000 (up to 60 days) |
| Dental | ||
| Dental coverage What dental treatments are covered | | |
| Eligibility | ||
| Age limit | 18+ (no upper limit on entry for most plans) | 18+ (no upper limit) |
| Who can apply Country and visa requirements | Available to UK residents (including international students with UK address). Some plans require minimum residency periods. | Available to all nationalities aged 18+. Cigna cannot cover residents of certain countries (e.g. Cuba, Iran, Sudan, Syria, North Korea). |
| Pre-existing conditions | Underwritten on application — disclosed conditions may be excluded or rated; honesty is required | Reviewed individually — minor conditions usually covered, others may be excluded or charged a higher premium |
| Visa compliant | | |
| Service & Support | ||
| English support | | |
| Digital services App, online claims, telemedicine | | |
| VisitBupa Global Major Medical → | VisitCigna Global Health Insurance for Students → | |
Bupa Global Major Medical View Details
Cigna Global Health Insurance for Students View Details
Pricing
Monthly price
Annual price
Currency
GBP
GBP
Medical Coverage
Medical coverage
Maximum payout for medical care
Deductible
What you pay before insurance kicks in
Prescription drugs
Emergency repatriation
Mental Health
Mental health coverage
Therapy, counseling, psychiatric care
Covered up to annual limit
$10,000 (up to 60 days)
Dental
Dental coverage
What dental treatments are covered
Eligibility
Age limit
18+ (no upper limit on entry for most plans)
18+ (no upper limit)
Who can apply
Country and visa requirements
Available to UK residents (including international students with UK address). Some plans require minimum residency periods.
Available to all nationalities aged 18+. Cigna cannot cover residents of certain countries (e.g. Cuba, Iran, Sudan, Syria, North Korea).
Pre-existing conditions
Underwritten on application — disclosed conditions may be excluded or rated; honesty is required
Reviewed individually — minor conditions usually covered, others may be excluded or charged a higher premium
Visa compliant
Service & Support
English support
Digital services
App, online claims, telemedicine
FAQ
Frequently Asked Questions
Yes, especially as a top-up to the NHS. International students on student visas pay the Immigration Health Surcharge (£776/year) for NHS access. Bupa Global Major Medical adds private hospital rooms, faster specialist access, and worldwide cover when travelling — but it's a premium choice, not a budget visa-compliance plan.
Bupa UK is a domestic UK private medical insurer (typically £45-90/month). Bupa Global is the international division offering worldwide cover at a higher price point — designed for expats, international students, and people who travel frequently outside the UK.
No — Major Medical is designed as a top-up to existing day-to-day cover (NHS or domestic insurance). It covers hospital admissions, surgery, cancer care, and mental health, but not routine GP visits or outpatient care. Choose Select or Premier if you want outpatient cover.
For planned treatment Bupa Global requires pre-authorisation via MembersWorld. For emergencies, get the treatment first and contact Bupa within 48 hours. Direct billing is available at most major international hospitals in their network.
Most international students in the UK pay the Immigration Health Surcharge (IHS, £776/year) which gives full NHS access. Cigna Global is useful as a top-up for faster private care, dental, mental health beyond NHS waits, and worldwide cover during travel — but it is not required for visa purposes.
For most students, Silver ($1M annual limit) is sufficient and the most affordable. Choose Gold if you want maternity cover or higher mental health limits. Platinum is best for students with dependents or pre-existing conditions needing the highest coverage.
Yes — Cigna Global lets you add an International Outpatient module covering specialist consultations, prescriptions, physiotherapy, and more. This adds to the monthly premium but is essential if you want private GP access without the NHS.
UK student visas (Tier 4 / Student Route) require the Immigration Health Surcharge, not private insurance. Cigna Global is purely supplementary and is not used as a visa-compliance document for UK study.
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