Q1. What is the Essential Documentation for Individual or Family Health Insurance Plans?

Ans: Listed below are the documents typically required to apply for individual or family health insurance plans in the UAE - Proof of identity and age Emirates ID Income verification for the policyholder Medical test reports (if applicable).

Q3. What are the coverage options available under the Cigna Healthguard plans?

Ans: Cigna Healthguard plans offer three levels of coverage - Regional Plan: Coverage within the Gulf Cooperation Council (GCC), other Middle East countries, and Asia (excluding China, Singapore, and Hong Kong). International Plan: Worldwide coverage excluding the USA (standard), with an option to include coverage for the USA International Plus Plan: Unlimited worldwide coverage, including the USA

Cigna Senior Citizen Health Insurance

Q: Q2. How to Secure Health Insurance for Your Parents?

Ans: While employers have to provide insurance coverage for their employees and, at times, their dependents in specific Emirates, you can always get family health insurance that covers your parents and dependents. With Cigna health insurance plans for families, you can enjoy a wide array of advantages such as coverage for inpatient and outpatient treatments, maternity care, mental health services, and more, ensuring comprehensive care for you and your family.

Q: Q4. What does the overall annual benefit maximum cover?

Ans: The overall annual benefit maximum includes coverage for all inpatient, day patient, and outpatient treatment.

Q: Q5. Does Cigna Healthguard plan cover cancer?

Ans: Yes, Cigna health insurance plans provide coverage for cancer with respect to treatment, screening, and more.

Q: Q6. How does the network of healthcare providers work in the UAE and the USA?

Ans: In the UAE, Cigna health insurance plans directly settle bills with providers within the network. However, if treatment is received outside the network in the UAE, the insured will be responsible for settling 20% of the treatment expenses from their own pocket. If treatment is received outside the network in the USA, the applicable condition will be similar to the above-mentioned one, i.e. the insured will be required to pay 20% of the costs out of their own pocket. However, keep in mind that this might be waived in specific circumstances. The list includes cases where there is no Cigna network within 30 miles or 50 kilometres of the beneficiary's address, instances where required treatment is not available at a local provider in the network, and more.

Q: Q7. Do the plans cover emergency medical treatment during travel outside the coverage area?

Ans: Yes, the plan includes coverage for emergency inpatient, day patient, or outpatient medical treatment during temporary business or leisure trips outside the area of coverage. However, keep in mind that coverage is subject to a maximum limit of 30 days per trip and 60 days per period of cover for all trips combined. Additionally, some exclusions may apply regarding coverage related to pregnancy, maternity, childbirth, or complications thereof.

Cigna health insurance is a popular choice among individuals seeking trusted and reliable healthcare coverage from a Fortune 500 brand. Ranked 13th on the prestigious Fortune 500 list, Cigna boasts over 225 years of heritage in healthcare, with a remarkable 60-year history of serving people globally and 2 decades of dedicated service in the Middle East.read more

We Are Rated

4.7/5

★★★★★

44,090

Reviews

2 Million+

Trusted Customers

35+

Insurance Partners

1 Million+

Policies Sold

Written ByMousree DasSenior Content Writer (Expertise - Health and Travel Insurance)

Reviewed ByToshita ChauhanBusiness Head - General Insurance

Last updated on 29 July 2026Editorial Standards

Regulatory credentials

Licensed by the Central Bank of the UAE (Registration No. 123)

DHA Health Insurance Intermediary Permit No. BRK-00041

Emirates Insurance Federation Membership No. B81

Information on this page is for general guidance only - not personalised financial or medical advice.

With such extensive experience and a steadfast commitment to excellence, Cigna stands as a beacon of reliability and trust in the realm of healthcare. This also makes Cigna senior citizen health insurance a top option for senior citizens requiring comprehensive and dependable health insurance solutions tailored to their unique requirements.

In this article, we will cover the range of benefits and expertise that Cigna Health Insurance offers to senior citizens, ensuring that they enjoy a life filled with health, vitality, and peace of mind.

Cigna Senior Citizen Health Insurance Plans

Let’s take a look at the following table for the Cigna health insurance plans available for senior citizens -

Plan Name	Medical Cover (AED)	Area of Coverage
Healthguard (Regional)	2,750,000	GCC, Middle East, and Asia (excluding Singapore, China, and Hong Kong)
Healthguard (International)	7,350,000	Worldwide coverage with the option to include cover in the USA
Healthguard (International Plus)	Unlimited	Worldwide coverage with the option to include coverage for the USA

Key Benefits of Cigna Senior Citizen Health Insurance

Check out the salient benefits of Cigna senior citizen health insurance below -

Extensive Local and Global Networks
- Access to more than 3,000 healthcare providers in the UAE
- Access to 5,000+ providers across the Middle East
Round-the-Clock Service
- 24/7 customer service available throughout the year
- An impressive 86% customer satisfaction rating
Healthy Connect Module (Optional)
- Includes comprehensive dental treatment, vision care, wellness tests and screenings, and return-home cash benefit
Comprehensive Coverage for Pre-Existing and Chronic Conditions
- Coverage for pre-existing and chronic conditions up to the specified limit
Clinical Case Management Support
- Access to clinical case management services to assist members in finding the most suitable care pathway
Inpatient and Day-Patient Hospital Treatment:
- Coverage for both inpatient and day-patient hospital treatment and accommodation
Healthcare at Attractive Rates
- Cigna has an in-house team of doctors and network specialists that utilise cost-containment strategies to ensure effective policy management
Local Expertise
- In the Middle East, Cigna has locally staffed teams that provide guidance rooted in cultural knowledge and real-world experience

Choose Health Insurance Coverage of Your Choice

150KHealth Insurance

250KHealth Insurance

500KHealth Insurance

1MillionHealth Insurance

3MillionHealth Insurance

5MillionHealth Insurance

7.5MillionHealth Insurance

10MillionHealth Insurance

15MillionHealth Insurance

All coverage in AED*

Eligibility Criteria for Cigna Senior Citizen Health Insurance

An individual can buy Cigna senior citizen health insurance if they fulfil the following eligibility criteria -

Category	Eligibility Criteria
Maximum Age	99 years

Inclusions of Cigna Senior Citizen Health Insurance

The general inclusions of Cigna senior citizen health insurance include -

Inpatient and day-patient benefits - these include fees related to specialist consultations, accommodation of companions, and more
Outpatient benefits
Repatriation services
Medical evacuation
Screening and tests
Vision and dental care (subject to certain conditions)

Exclusions of Cigna Senior Citizen Health Insurance

Have a look at the general exclusions of Cigna senior citizen health insurance below -

Cosmetic surgery
Surgical contraception
Drug abuse
Infertility treatment
Treatment for harm or injury caused by self

For more details, check out the frequently asked questions related to Cigna senior citizen health insurance next -

FAQ's

Ans: Listed below are the documents typically required to apply for individual or family health insurance plans in the UAE -

Proof of identity and age
Emirates ID
Income verification for the policyholder
Medical test reports (if applicable).

Ans: While employers have to provide insurance coverage for their employees and, at times, their dependents in specific Emirates, you can always get family health insurance that covers your parents and dependents. With Cigna health insurance plans for families, you can enjoy a wide array of advantages such as coverage for inpatient and outpatient treatments, maternity care, mental health services, and more, ensuring comprehensive care for you and your family.

Ans: Cigna Healthguard plans offer three levels of coverage -

Regional Plan: Coverage within the Gulf Cooperation Council (GCC), other Middle East countries, and Asia (excluding China, Singapore, and Hong Kong).
International Plan: Worldwide coverage excluding the USA (standard), with an option to include coverage for the USA
International Plus Plan: Unlimited worldwide coverage, including the USA

Ans: The overall annual benefit maximum includes coverage for all inpatient, day patient, and outpatient treatment.

Ans: Yes, Cigna health insurance plans provide coverage for cancer with respect to treatment, screening, and more.

Ans: In the UAE, Cigna health insurance plans directly settle bills with providers within the network. However, if treatment is received outside the network in the UAE, the insured will be responsible for settling 20% of the treatment expenses from their own pocket.

If treatment is received outside the network in the USA, the applicable condition will be similar to the above-mentioned one, i.e. the insured will be required to pay 20% of the costs out of their own pocket. However, keep in mind that this might be waived in specific circumstances. The list includes cases where there is no Cigna network within 30 miles or 50 kilometres of the beneficiary's address, instances where required treatment is not available at a local provider in the network, and more.

Ans: Yes, the plan includes coverage for emergency inpatient, day patient, or outpatient medical treatment during temporary business or leisure trips outside the area of coverage.

However, keep in mind that coverage is subject to a maximum limit of 30 days per trip and 60 days per period of cover for all trips combined. Additionally, some exclusions may apply regarding coverage related to pregnancy, maternity, childbirth, or complications thereof.