Home › Insurers › Cigna vs Allianz

Cigna Global vs Allianz Care

Q: Which is better for pre-existing conditions?

Allianz Care is often stronger because it lets you choose the underwriting basis (FMU, Moratorium or switch terms). Cigna underwrites on disclosed history too — the best option depends on your specific conditions.

Two of the strongest international health insurers — but they win on different things. Here's how they compare on plans, underwriting, cost control and claims, and how to tell which fits you.

Last updated: 25 June 2026 · Reviewed by IPMIcompare

At a glance

	Cigna Global	Allianz Care
Plan structure	Silver / Gold / Platinum + Close Care	Care Base / Enhanced / Signature + modules
Cover levels	$1m → paid in full (by plan)	Three core levels (limits confirmed at quote)
Underwriting	Medical underwriting, disclosure-based	Choice: FMU / Moratorium / CPME / switch
Cost control	Deductible + cost share (0–30%) + OOP cap	Deductible; modular out-patient & dental
Chronic support	Nurse-led Chronic Condition Management	Covered per plan; managed via underwriting
Claims	In-network direct billing; ID card	Pre-auth inpatient; MyHealth reimbursement
Stands out for	Granular premium control + chronic care	Underwriting flexibility for medical history

Where each one wins

Cigna's edge is control and ongoing care. The deductible + cost-share (0/10/20/30%) + out-of-pocket cap let you fine-tune the premium more precisely than most, and the nurse-led Chronic Condition Management programme is genuinely useful if you're managing diabetes, blood pressure or similar.

Allianz's edge is underwriting flexibility. It's one of the few that lets you choose how your history is assessed — Full Medical Underwriting for certainty, Moratorium (24-month wait on pre-existing) for simplicity, or CPME/switch terms when moving insurer. If you have any medical history, that choice can change what's covered from day one.

Which should you choose?

Choose Cigna Global if…

You want to dial the premium precisely with cost-share, value proactive chronic-condition support, and want a large international network with easy direct billing.

Choose Allianz Care if…

You have medical history and want a choice of underwriting basis, prefer a clean core-plus-modules structure, and like the backing of a global insurer.

Read the full breakdowns: Cigna Global guide · Allianz Care guide.

Don't guess — quote both

Nomi prices Cigna and Allianz (and 18+ others) for your exact situation in about a minute.

Compare live

FAQ

Is Cigna or Allianz cheaper?

Neither is reliably cheaper — it depends on your age, country, cover level, excess and medical history. The same person can get very different prices from each, which is exactly why you compare both live rather than assume.

Which is better for pre-existing conditions?

Allianz Care is often the stronger pick because it lets you choose the underwriting basis (FMU, Moratorium or switch terms). Cigna underwrites on your disclosed history too — the best option depends on your specific conditions, so it's worth getting advice.

Which has better chronic condition cover?

Cigna stands out for ongoing management with its nurse-led Chronic Condition Management programme. How an existing condition is covered when you join still depends on underwriting with either insurer.

General information, not personal or medical advice. Based on each insurer's plan documentation; exact terms, limits and underwriting are confirmed at quote. Prices are indicative. Cigna and Allianz names and logos are the property of their respective owners.