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Cigna Global vs IMG Global (GPMI)

Q: Which is better for a family wanting maternity?

IMG offers maternity as an optional add-on on all tiers with a 10-month waiting period, so you only pay for it when you need it. Cigna provides maternity by plan. Add maternity well before you'll claim.

A tiered, cost-controllable plan versus a modular pay-for-what-you-need one. Here's how Cigna Global and IMG's Global Prima compare — and which suits which kind of buyer.

Last updated: 25 June 2026 · Reviewed by IPMIcompare

At a glance

	Cigna Global	IMG Global (GPMI)
Plan structure	Silver / Gold / Platinum + Close Care	Bronze / Bronze Plus / Silver / Gold / Platinum
Dental & maternity	By tier / module	Optional add-ons (dental 6-mo, maternity 10-mo waits)
Underwriting	Medical underwriting, disclosure-based	Widest range: FMU / Moratorium / CPME / MHD (groups)
Cost control	Deductible + cost share (0–30%) + OOP cap	Deductible options
Chronic support	Nurse-led Chronic Condition Management	Covered per plan; managed via underwriting
Claims	In-network direct billing; ID card	Guarantee of Payment direct billing; pre-auth 5 working days
Stands out for	Premium control + chronic care	Pay-for-what-you-need modularity + underwriting range

Where each one wins

Cigna's edge is fine-grained control and chronic care. Cost-share (0–30%) plus an out-of-pocket cap lets you tune the premium precisely, and the nurse-led chronic programme adds proactive support for ongoing conditions.

IMG's edge is modularity and underwriting breadth. Dental and maternity are optional, so you don't pay for them unless you need them — and IMG offers the widest set of underwriting routes, including Medical History Disregarded (MHD) for eligible company/group schemes, where pre-existing conditions can be set aside entirely.

Which should you choose?

Choose Cigna Global if…

You want to fine-tune the premium with cost-share, value proactive chronic-condition support, and want straightforward in-network direct billing.

Choose IMG Global if…

You'd rather pay only for what you need (dental/maternity optional), or you need a flexible underwriting route — especially group cover, where MHD can disregard medical history.

Read the full breakdowns: Cigna Global guide · IMG Global guide.

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FAQ

Is Cigna or IMG cheaper?

It depends on your age, country, cover level, excess and which optional benefits you add. Because IMG is modular, leaving off dental and maternity can lower its price — but the only way to know for you is to compare both live.

Which is better for a family wanting maternity?

IMG offers maternity as an optional add-on on all tiers (with a 10-month waiting period), so you only pay for it when you need it. Cigna provides maternity by plan. Add maternity well before you'll claim, and compare both for your situation.

Which is better for company or group cover?

IMG is often the answer for groups: its Medical History Disregarded (MHD) basis can set members' medical history aside entirely, subject to a minimum number of lives that varies by 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 IMG names and logos are the property of their respective owners.