Cigna Health Insurance

Cigna provides world-class health insurance to individuals and businesses in the UAE.

Cigna’s individual plan comprises of 3 distinct levels of core cover with the option of add-ons to maximise individual health benefits.

Individual plans

Healthguard Regional

1. Maximum plan benefits of AED 2,750,000
2. Coverage within the countries of the GCC, other Middle East countries and Asia (excluding Singapore, Hong Kong and China)
3. Excludes some of the high cost hospitals and medical practitioners in the UAE
4. For the list of inpatient and outpatient benefits, please click here.

Healthguard International

1. Maximum plan benefits of AED 7,350,000
2. Worldwide coverage with the option to include cover in the USA
3. Access to all of Cigna’s network of hospitals (excluding American Hospital Dubai) and medical practitioners within the UAE
4. For the list of inpatient and outpatient benefits, please click here.

Healthguard International Plus

1. Maximum plan benefits are unlimited under this plan.
2. Worldwide coverage with the option to include cover in the USA
3. Access to all of Cigna’s network of hospitals and medical practitioners within the UAE
4. For the list of inpatient and outpatient benefits, please click here.

All the above plans have the option to include Cigna’s Healthy Connect module.

Healthy Connect

Healthy Connect is an optional module that can be added on to any of the above plans. It includes a range of benefits such as comprehensive dental care, non-symptomatic health screenings and examinations, as well as medical evacuation in the event the required treatment isn’t available at local hospitals.

For more information on Healthy Connect, please click here.

Corporate plans

Cigna provides customized group medical insurance plans in the Middle East. In Dubai, they provide two plans – ‘Flexible Plan’ and ‘Comprehensive Plan’, whereas in Abu Dhabi they provide only the ‘Comprehensive Plan’.

Dubai Flexible Plan

1. Annual maximum benefit of up to $ 250,000 USD or $1,500,000 USD.
2. 20% co-insurance up to a maximum out of pocket of $13.50 or $26 for consultations
3. Prescribed Medicines Paid in Full
4. Routine In-Patient Maternity up to $3,000 or $8,000

Dubai Comprehensive Plan (Dubai)

1. Annual maximum benefit of up to $ 7,500,000 USD.
2. No co-insurance for consultations – Paid in Full
3. Prescribed Medicines Paid in Full
4. Maternity Paid in Full

Wellness, Dental and Optical can be added to all plans for additional charge.

All the above corporate medical insurance plans include the below benefits:

1. Access to the Cigna Envoy app to manage medical insurance plans.
2. Close collaboration with partners to ensure cost effective group medical insurance that increases employee retention and productivity.
3. All plans provided are compliant with the health authority regulations in the region.
4. Wide regional and global network, with access to more than 3,000 providers in the Middle East and over 1 million around the world.
5. Access throughout GCC with Cigna ID card
6. 24/7/365 access through Cigna Envoy and customer service representatives.

For further information please refer to the brochures in the resources section, or contact us for more detailed information.