Cigna is a leading global insurance provider dedicated to helping people improve their health and well-being, whilst providing a sense of security.
Cigna’s history dates to 1972 with its predecessors launching the first marine insurance company in the United States.
Currently, headquartered in Bloomfield Connecticut, they serve 94 million customers in more than 200 countries around the world.
Cigna ranked 79 on the 2016 fortune 500 list with 41,000 employees and over 1 million healthcare providers around the world.
In 2017, Cigna acquired Zurich Insurance Middle East, that allows them to bring several capabilities and solutions to the region. In the UAE, Cigna has partnered with Neuron, a leading third-party provider with over 16 years of experience in the region.
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.
Healthguard International Plus
All the above plans have the option to include Cigna’s Healthy Connect module.
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.
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
Dubai Comprehensive Plan (Dubai)
Wellness, Dental and Optical can be added to all plans for additional charge.
All the above corporate medical insurance plans include the below benefits:
For further information please refer to the brochures in the resources section, or contact us for more detailed information.
You will have access to over 3,000 providers in the UAE.
Please refer to the brochure in our additional resources section below.
Claims are generally paid within 15 working days; however, this can sometimes take longer.
I'd give Cigna 5 starts if their claims were paid swiftly consistently.
The feedback I get from our members is really hit and miss in terms of turn around time - this can cause low level stress, and a headache for me too.
Otherwise, we, as an organisation, are absolutely delighted with the coverage, and feel that the costs are justified.
Cigna is a huge international company and one of the largest medical insurers in America. Offering one of the largest networks of hospitals globally. They have a huge global book of members and at times we have found their underwriters have struggled to adjust to the pricing in the UAE market, often quotes can be double that of their competitors when first received. Their renewal pricing also means that SME’s should expect a minimum of 12% increase each year, with more realistic increases being around 18%. This will be given without disclosing the group’s claims data, which means planning ahead can be very difficult.
They recently acquired Zurich’s old license and so no longer need a fronting partner in the UAE. This meant they split with the previous partner SAICO, who they had been paired with since entry to the market. Naturally, this has caused a huge shift in internal procedures and processes, which unfortunately has been felt by the members with confusion and delays on approvals, network issues and payments. We would expect these issues to clear up over time as Cigna get used to their new structure and network (Neuron).
Cigna’s Envoy app is one of the best in the Middle East market, as members can get access to their plan details and the Cigna team, wherever they are in the world.
The international structure of the plans provide members with global networks which enable them to get their treatments done anywhere in the world. This is highly valued by expatriates living in the UAE.
Cigna’s SME plans offer MHD (medical history disregarded) for companies with 2 or more employees. This means that any minor medical condition does not need to be mentioned on the application. For example, in an SME or small business, if one of the employees has diabetes, the group medical insurance price will not increase as the standard insurance costs will be applied to all members. Other insurance providers only MHD terms to companies with 10 employees or more.
Whilst still building the SME and individual business in the UAE, Cigna are a great global brand that can be relied on in emergencies.
If you are a business owner or HR professional in the UAE, you’re looking to save money on your employee benefits package and reduce your company medical insurance costs, we will review your current plans and related expenses. Please contact us or call us on +971 (0) 4559 4900.
At AES International, we focus on providing long-term solutions, tailored to an individual organisation’s needs, to help you improve overall employee wellness, drive up productivity and engagement, and enable you to manage your corporate medical insurance spend year on year.