Cigna stands out as a trusted health insurance provider in the UAE with over 95 years of global experience and a deep understanding of the region’s healthcare needs. The company provides round-the-clock customer support in multiple languages, making it easy for both expatriates and locals to receive assistance when they need it most.
Their user-friendly myCigna mobile app lets you manage your policy, find doctors, and track claims from anywhere.
Cigna gives you access to top hospitals across the UAE and globally, whether you’re in Dubai, Abu Dhabi, or traveling abroad.
Types of Health Insurance Plans Offered by Cigna UAE
| Plan Name | Target Audience | Key Features |
|---|---|---|
| SmartCare by Cigna | Individuals and small businesses | Budget-friendly premiums, essential healthcare coverage, and local UAE network access |
| Cigna Healthguard | Families and professionals | Comprehensive coverage, regional and international benefits, and higher coverage limits |
| GlobalCare | High-income expatriates and frequent travelers | Premium worldwide coverage, luxury hospital access, extensive travel benefits |
| Custom Corporate Plans | Large businesses and organizations | Group discounts, flexible benefits, and employee wellness programs |
Key Features and Benefits of Cigna UAE
- Direct billing at network hospitals – Pay nothing upfront as Cigna settles bills directly with approved healthcare providers.
- Outpatient and inpatient coverage – Complete protection for doctor visits, specialist consultations, surgeries, and hospital stays
- Maternity care – Full pregnancy and childbirth coverage including prenatal checkups, delivery, and newborn care
- Dental & optical (optional) – Add-on coverage for routine dental cleanings, eye exams, glasses, and contact lenses
- Mental health support – Access to counseling, therapy sessions, and psychiatric treatment when you need emotional wellness care
- Emergency evacuation & repatriation – Medical transport to your home country or nearest suitable facility during serious emergencies
- Chronic condition management – Ongoing care and medication coverage for diabetes, heart disease, and other long-term health conditions
Coverage Area and Network of Cigna UAE
Whether you’re in Abu Dhabi, Sharjah, or beyond, explore Cigna’s vast network of healthcare providers tailored for every lifestyle.
UAE-Only vs. Regional vs. Worldwide Coverage
| Coverage Zone | Description | Ideal For |
|---|---|---|
| UAE-only | Complete healthcare access within the UAE at the most affordable rates. | Residents staying within the UAE |
| Regional | Coverage extends to GCC and nearby Middle Eastern countries. | Business travelers in the region |
| Worldwide | Global protection, including countries like the UK, the USA, and others. | Frequent international travelers |
Cigna’s Medical Provider Network
Cigna partners with over 3,000 healthcare providers across the UAE, including top hospitals like Cleveland Clinic Abu Dhabi, American Hospital Dubai, and Mediclinic City Hospital.
The network includes specialist clinics, diagnostic centers, and pharmacies in every emirate. You can access services at general practitioners’ offices, dental clinics, optical centers, and specialized treatment facilities without worrying about coverage gaps.
Tiers of Access (e.g., Gold, Silver Networks)
Cigna operates different network tiers to give you choice and control over your healthcare costs. Gold network facilities offer premium services at luxury hospitals with shorter wait times and enhanced amenities.
Silver network providers deliver quality care at standard facilities with good medical outcomes. Bronze tier options provide basic but reliable healthcare services at budget-friendly locations, helping you save on premiums while maintaining essential coverage.
Eligibility and Requirements of Cigna UAE
Who can apply? (expatriates, dependents, employees)
UAE residents with valid visas are eligible to apply for Cigna health insurance, including expatriates, their spouses, and children under the age of 25.
Employees can join through company group plans, while individuals can purchase direct coverage.
Visa and residency status requirements:
You need a valid UAE residence visa to qualify for most Cigna plans. Tourist visa holders can access short-term travel insurance options. Your Emirates ID and a copy of your passport are required during the application process.
Pre-existing condition disclosure:
You must declare all current health conditions when applying. Cigna may exclude pre-existing conditions for 12 months or charge higher premiums. Some chronic conditions, like diabetes or heart disease, require medical reports from your doctor.
Conclusion
Cigna offers reliable health insurance solutions for UAE residents with flexible plans, extensive network coverage, and 24/7 support.
Take time to compare plan features against your healthcare needs and budget before making a decision. Getting the right coverage protects your health and finances in the UAE’s quality healthcare system.
Frequently Asked Questions
Which Is the Best Health Insurance in the UAE?
The best health insurance depends on your needs, but top providers include Cigna, AXA, and Oman Insurance, with Cigna leading in global network coverage.
How Do I Contact Cigna UAE Customer Care?
Call Cigna UAE at +971 4 390 4370 or use the myCigna app for 24/7 customer support in multiple languages.
Is Cigna a MNC Company?
Yes, Cigna is a multinational corporation headquartered in the United States with operations in over 30 countries worldwide.
Is Cigna a Good Company?
Cigna is a reputable Fortune 500 company with roots dating back over 225 years, strong financial ratings, and millions of satisfied customers worldwide.
