Beacon Hill Platinum vs Cigna Global Silver
Beacon Hill Platinum runs roughly $210 for a typical trip — noticeably less than Cigna Global Silver at around $330. The question is whether the savings come at the cost of coverage you'll actually use. Read on for the line-by-line scorecard.
Cigna Global Silver carries this one 4 to 2. The decisive lines are hospital network size and avg claim settlement; the consolation for Beacon Hill Platinum is typical premium band.
Side-by-side: who wins what
| Feature | Beacon Hill Platinum | Cigna Global Silver | Winner |
|---|---|---|---|
| Coverage limit | $1M | $1M | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Limited | Limited | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Large | Very large | Cigna Global Silver |
| Typical premium band | ~$210 | ~$330 | Beacon Hill Platinum |
| Avg claim settlement | 23 days | 19 days | Cigna Global Silver |
| Age eligibility | 0-84 | 0-99 | Cigna Global Silver |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $1M | |
| 24×7 support | Yes | Yes |
Where they're the same
- Beacon Hill and Cigna Global both run direct-billing, so the family doesn't front the ER bill and chase reimbursement later.
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- Both Beacon Hill and Cigna Global keep a round-the-clock claims line, not just business hours.
- Neither plan is fixed-benefit; both reimburse real charges up to the medical limit, which is what you want for an unpredictable US bill.
Less brand recognition with US hospitals than UnitedHealthcare PPO plans.
Pricey for short trips; minimum 30-day policy term.
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This comparison reflects publicly available Beacon Hill and Cigna Global plan documents as of 2026. Sub-limits, exclusions and territorial rules can change between buy dates, so the official Beacon Hill Platinum and Cigna Global Silver certificates are the source of truth.