保险对比 2026
Bupa Global Major Medicalvs.Cigna Global Health Insurance for Students
独立的保障、费用和覆盖详情对比。
✓ 基于官方保单文件 ✓ 更新于 2026年4月 ✓ 独立对比
推荐计划对比：Bupa Global Major Medical Premier, Cigna Global Health Insurance for Students Cigna Global Gold。每家供应商提供多个等级。
| 功能 | Bupa Global Major Medical 查看详情 | Cigna Global Health Insurance for Students 查看详情 |
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| GBP | GBP | |
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| Covered up to annual limit | $10,000 (up to 60 days) | |
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| 18+ (no upper limit on entry for most plans) | 18+ (no upper limit) | |
| 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). | |
| 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 | |
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| 访问Bupa Global Major Medical → | 访问Cigna Global Health Insurance for Students → |
GBP
GBP
Covered up to annual limit
$10,000 (up to 60 days)
18+ (no upper limit on entry for most plans)
18+ (no upper limit)
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).
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
常见问题
常见问题
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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