Cigna Health Insurance

An independent review by our team of experts.

Review summary

Cigna

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.

Overview

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 – ‘Dubai Enhanced’ and ‘Premier Enhanced’ whereas in Abu Dhabi they provide only a ‘Premier Plan’.

Dubai Enhanced Plan

  1. Annual maximum benefit of up to $ 250,000 USD or $1,500,000 USD.

Premier Enhanced Plan (Dubai)

  1. Annual maximum benefit of up to $ 7,500,000 USD.

Premier Plan (Abu Dhabi)

  1. Annual maximum benefit of up to $ 7,500,000 USD.

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.

The pros

  • Only international providers with their own license in the UAE and therefore manage claims themselves.
  • Continuous cover offer even when people leave their company and relocate elsewhere or return home.
  • Online services with 24/7/365 access to customer service.
  • Cigna Envoy app provides a convenient way to access all medical insurance related information.
  • Cigna’s partner, Neuron, also provide an app for easy access in the UAE.

The cons

  • Expensive
  • Claims are generally paid within 15 working days; however, this can sometimes take longer.
FAQs
Which hospitals, clinics and pharmacies can I have access to if I am insured with Cigna?

You will have access to over 3,000 providers in the UAE.

Please refer to the brochure in our additional resources section below.

How long does it take for a claim to be processed?

Claims are generally paid within 15 working days; however, this can sometimes take longer.

Can I review the status of my claim online? What are the other ways to follow up?

You can review the status of your claim online

You can also download the app – Cigna Envoy from the App Store and Google Play store because it is an excellent solution for all your healthcare needs when you’re insured with Cigna.

Alternatively, you can call the customer care team in UAE on 8001-CIGNA (8001-24462).

Customer reviews
Almost entirely satisfied!

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.

Expert verdict
Expert Assessment of Cigna

Cigna is a prestigious and innovative company, that enables them to react quickly to changes in the market. They often revise their plans and offerings to make sure they best suit the customer’s needs. This differentiates them from the other large international providers that are unable to do so.

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.

Cigna’s international 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, especially Dubai and Abu Dhabi.

Cigna’s corporate 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 offer this MHD to companies with 10 employees or more.

Cigna also has a tie up with Magrabi Opticians, that provides every member with a free eye test and 20% discount on glasses (frames and lenses). This offer is available regardless of whether they have optical coverage on their plans or not.

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.

“Thank you AES International for helping me and my family with your low cost no-nonsense approach. It is refreshing!”

Kristian Petersson

“With this sort of service you also expect to be paying very high fees, but it’s just not the case. I would definitely recommend AES.”

Jake van den Dries

“In the short time that I’ve been using AES I’ve made nearly ten thousand pounds and couldn’t be happier!”

Jackie Pym

    Additional resources

    View all Reviews

    Request your X-Ray Review™ today!

    Because you deserve better results - nothing less.