Cigna Health Insurance UAE

Cigna is a global insurance provider offering a range of health insurance solutions in the UAE. The company’s Healthguard plan provides comprehensive medical coverage, including inpatient, outpatient, emergency, and preventive care. With an extensive network of healthcare providers in the UAE and abroad, Cigna health insurance helps policyholders access quality medical services. The plans are structured to accommodate varying coverage needs, from regional benefits to worldwide protection.

Types of Cigna Health Insurance Plans in the UAE

Cigna Healthguard is available under several plan options in the UAE. Each one has different coverage areas and annual premiums. All plans include coverage for diagnosis, pharmacy, physician consultation and physiotherapy, subject to policy terms.

1. Healthguard Regional

• Coverage Area: GCC countries, other Middle East countries, and Asia (excluding Singapore, China, and Hong Kong)
• Medical Cover: AED 2,750,000.

2. Healthguard International WWE (Worldwide Excluding USA)

• Coverage Area: Worldwide excluding USA
• Medical Cover: AED 7,350,000

3. Healthguard International Plus WWE (Worldwide Excluding USA)

• Coverage Area: Worldwide excluding USA, with enhanced benefits over the standard International plan
• Medical Cover: AED 7,350,000

4. Healthguard International WW (Worldwide Including USA)

• Coverage Area: Worldwide including USA
• Medical Cover: AED 7,350,000

5. Healthguard International Plus WW (Worldwide Including USA)

• Coverage Area: Worldwide including USA, with enhanced maternity, newborn and preventive care benefits
• Medical Cover: AED 7,350,000

Key Features of Cigna Health Insurance

Let’s take a look at some key features of Cigna health insurance in the UAE —

1. High Annual Coverage Limits: Cigna medical insurance offers high coverage for treatments. The Regional Plan provides up to AED 2,750,000 in annual benefits, while the International and International Plus Plans offer up to AED 7,350,000. These high limits mean you can access advanced medical care without the fear of running out of coverage.
2. Flexible Coverage Options: You can choose the coverage area that suits your needs and travel patterns. Plans range from regional coverage within the GCC, Middle East, and select Asian countries to worldwide coverage. In fact, you also get the choice to include or exclude the USA. 
3. Extensive Medical Network: Cigna health insurance connects you to a wide network of hospitals, clinics, and specialists both in the UAE and internationally. With direct billing arrangements in place, you can get the necessary treatment without paying upfront.
4. Comprehensive Inpatient and Outpatient Care: All plans cover a full spectrum of healthcare services. This includes hospital stays, surgeries, intensive care, diagnostic tests, and follow-up consultations. Outpatient benefits include GP visits, specialist consultations, physiotherapy, and other essential treatments. This ensures complete medical support at all stages of care.
5. Emergency and Critical Care: Cigna Insurance plans provide comprehensive cover for urgent medical situations. Coverage includes emergency dental treatment, urgent mental health care, and out-of-area emergency medical treatment. Additionally, services like medical evacuation and repatriation are included. This way, you get the necessary care wherever you are.
6. Maternity and Newborn Benefits: For expectant mothers, Cigna medical insurance offers coverage for routine maternity check-ups, deliveries (including caesarean sections), and treatment for pregnancy-related complications after the waiting period. Newborn care and treatment for certain congenital conditions are also covered.
7. Preventive and Wellness Services: Cigna health insurance promotes proactive health management with benefits like vaccinations, cancer screenings, diabetes checks, and routine health exams for children. Optional wellness add-ons include enhanced health check-ups, dental care, and vision benefits. 

Top Cigna Health Insurance Plans in UAE

Cigna Medical Insurance Plans

Cigna health insurance offers a range of medical insurance plans in the UAE that cater to individual health insurance as well as families that are living or working in the UAE. These plans are divided into several categories depending on the type of benefits offered and the coverage – local/regional and international. The base plan offered by Cigna to individual and families of UAE is called the HealthguardSM

Regional Plan

• The coverage extended to GCC (gulf countries), Middle East Countries and Asia (apart from Singapore, China, and Hong Kong) along with the Emirates.
• Customizable with optional and basic services for every individual as per their needs.
• Full coverage of private room in case of hospitalization. 
• Cancer screenings and care are paid for and covered in full.
• Mental health care is also included in the coverage plan.
• Include health checkups, prescription drugs, and preventive dental care and treatments. 
• Medical Evacuation and repatriation expenses paid in full for the policyholder.
• Maternity care with an optional mother and baby care module.
• Out of area emergency coverage for the insured.
• All kinds of preventive health check-ups.
• A choice among the four basic tiers of the network of healthcare providers in UAE. 

International Plan

• Worldwide coverage along with an additional option to include the USA on the list as well. The coverage comes with a maximum cap on the annual insured amount like the regional plan.
• Customizable using the additional benefits and services available. 
• Fully paid standard private hospital rooms.
• Cancer screenings and care are paid for and covered in full.
• Inclusive of mental health care coverage.
• Regular health checkups, preventive dental treatments, and prescription drugs are included.
• Fully paid medical evacuation expenses and repatriation.
• Covered maternity care.
• Out of network emergency cover.
• Insured preventive health checkups.
• An option among four basic tiers of the network of healthcare providers in UAE. 

International Plus Plan

The international Plus plan covers all treatments and services covered in the internal plan for individuals and families. It also covers medical expenses in all countries and excludes the USA by default. There is an option to include the USA in the cover as well. No cap on the maximum sum insured annually aka – unlimited coverage.

Optional Services/Additional Benefits (All Plans)

• Comprehensive physical examinations and screenings (includes cancer screening to determine genetic cancer and allergies).
• Counseling sessions for stress management and support.
• Routine eye examination plus expenses of lenses and frames.
• Preventive, routine, and any major dental care services, treatments and facilities.  
• Return home cash benefits if the patient needs to return home due to any medical emergency or treatment. 

Inclusions of Cigna Health Insurance in the UAE

In the table below, we’ve covered the key inclusions of Cigna health policies in the UAE — 

Exclusions of Cigna Health Insurance in the UAE

Find out the major exclusions of Cigna health insurance in the UAE below — 

1. Pre-existing conditions not disclosed to and accepted by Cigna
2. Cosmetic or plastic surgery, unless medically necessary
3. Infertility treatments and assisted conception (e.g., IVF, IUI)
4. Experimental or unproven treatments
5. Non-prescribed drugs, vitamins, or supplements
6. Injuries from self-harm, suicide attempts, or substance abuse
7. Illness or injury from war, terrorism, or military service
8. Injuries from professional or high-risk sports (unless covered)
9. Maternity expenses before completing the waiting period
10. Certain congenital or birth defects not covered under newborn/maternity benefits
11. Hearing aids or corrective devices (unless covered under benefits)

Add-Ons of Cigna Medical Insurance

Cigna Health Insurance in the UAE offers optional add-ons. This can help you improve your coverage based on your needs. These add-ons provide extra benefits beyond the standard plan — 

1. Healthy Connect Module
   This add-on focuses on wellness, dental care, and vision care.

• Wellness: Includes health check-ups, screenings, dietary consultations, and life management assistance
• Dental Care: Covers preventive treatment, routine dental care, major restorative work, and orthodontics (with waiting periods and co-pays)
• Vision Care: Includes routine eye exams and expenses for spectacle lenses, frames, contact lenses, and prescription sunglasses (up to the annual limit)

1. Mother and Baby Care Module
   Designed for expectant mothers and newborns, this add-on increases maternity and newborn benefits.

• Maternity: Higher coverage limits for routine delivery, elective caesarean, and medically necessary caesarean
• Complications: Additional protection for non-life-threatening maternity complications
• Newborn Care: Full coverage for the first 30 days and treatment for certain congenital conditions
• Homebirths: Benefits included within limits

Given below are the add-ons for different Cigna health insurance plans (with limits & waiting periods) in the UAE —

Claim Process of Cigna Health Insurance in the UAE

Cigna makes it quite easy to use your health insurance when you need it. Here’s how you can make a Cigna Insurance claim — 

1. For treatment within Cigna’s network
   If you visit a hospital, clinic, or doctor that is part of Cigna’s approved network, you usually don’t need to pay upfront for covered services. Simply show your Cigna insurance card at reception. The provider will confirm your coverage directly with Cigna and bill them for the treatment. You may only need to pay your co-pay or any non-covered expenses.
2. For treatment outside the network
   If you go to a medical provider that is not in Cigna’s network, you will likely need to pay for your treatment first. Afterward, you can claim reimbursement by submitting the required documents.
3. How to submit a claim

• Complete Cigna’s medical claim form (available on its website or through its customer service)
• Attach the original invoices, receipts, and medical reports related to your treatment
• Send the documents to Cigna either online through their member portal or mobile app, or by email/post to its UAE office

1. Claim review and payment
   Cigna will review your health insurance claim to check if the treatment is covered under your policy. If approved, it will reimburse you by bank transfer. Claims are usually processed within a few working days, although it can take longer if additional information is needed.
2. 24/7 support
   If you have questions or need help during the claim process, you can contact Cigna’s UAE helpline at 800 444 999 (inside UAE) or +971 4 512 7198 (outside UAE).

Why Choose Cigna Health Insurance? 

1. Global Expertise with Local Support: Cigna brings decades of international healthcare experience while offering dedicated support through its UAE office. Its members get both world-class standards and local understanding.
2. 24/7 Multilingual Assistance: No matter the time zone or language, Cigna’s customer service team is available around the clock. It is always available to help arrange treatment, answer questions, or guide you through urgent situations.
3. Easy Digital Access: With Cigna’s member portal and mobile app, you can find doctors, check your benefits, submit claims, and track reimbursements anytime — without paperwork delays.
4. Flexible Plan Design: Cigna health insurance allows you to adjust coverage options, add special modules, and choose network tiers. This way, your insurance fits your life rather than forcing you into a one-size-fits-all policy.

Cigna Health Insurance FAQ's