International Health Insurance in the United Arab Emirates for Expats
The Cigna Healthguard plan is an annual international health insurance plan precisely for expatriates and local nationals living and working in the Emirate of Dubai, Sharjah, Ajman, Umm Al-Quwain, Fujairah, and Ras Al Khaimah. Cigna Healthguard offers three flexible plans, Regional, International, and International Plus. Each plan is comprised of standard benefits and optional modules to maximize your healthcare coverage while living in the UAE.
Cigna Global has earned the trust of 90 million customers worldwide. Cigna's mission is to help the people they serve to live their most healthy lives and enjoy the peace of mind that whatever the circumstances, Cigna is there for them.
Cigna has partnered with Neuron, a health insurance agency in Dubai, United Arab Emirates. Neuron is one of the leading third-party administrators in the Middle East region, delivering quality healthcare services amongst regional and international insurance companies. The partnership allows Cigna's members access to Neuron's extensive list of healthcare providers. Cigna and Neuron's business together also ensures uninterrupted, high-quality healthcare during your travel outside of the UAE.
Interested in purchasing Cigna Healthguard?
Contact one of our insurance brokers by requesting a quote.
Cigna Healthguard Plan Highlights
Cigna Healthguard includes three different core coverage levels with the option to add extra modules to maximize your benefits.
Cigna Healthguard Plan Benefits
Cigna Healthguard plans can deliver the best of both regional and international health services. Below compare the most fitting Cigna Healthguard benefits for you and your family.
| Regional | International | International Plus | |
|---|---|---|---|
| Cost | See Annual and Quarterly Rates | ||
| Duration of Benefits and Services | Annually | ||
| Eligibility | Expatriates and Local Nationals living and working in Emirate of Dubai and/or the Northern Emirates | ||
| Regional | International | International Plus | |
|---|---|---|---|
| Annual Overall Benefit | $750,000 (AED 2,750,000) | $2,000,000 (AED 7,350,000) | Unlimited |
| Healthcare Provider Network in the UAE | Four Network Tier Options: General, General Plus, Comprehensive excluding American Hospital Dubai (AHD), or Comprehensive | ||
| Network of Healthcare Providers | Direct Payment to Providers in the UAE / Out of Network Penalty in the UAE (and the USA) | ||
| U.S. Area of Coverage | N/A | Worldwide Excluding the USA / Worldwide Including the USA | |
| Out of Area Emergency Cover | $50,000 (AED 180,000) | $75,000 (AED 280,000) | $135,000 (AED 500,000) |
| Routine Maternity, Childbirth, and Elective Caesarean | $1,900 (AED 7,000) | $1,900 (AED 7,000) | $1,900 (AED 7,000) |
| Co-Pay Applies to All Outpatient Care Benefits | Choose your Co-Pay Option for Outpatient visits: 0%, 10% up to a maximum of $14 (AED 50) per visit, or 20% up to a maximum of $28 (AED 100) per visit | ||
| Prescribed Drugs and Dressings | $2,500 (AED 9,000) | $5,000 (AED 18,000) | Paid in Full |
| Routine Adult Physical Examination | $150 (AED 550) | $300 (AED 1,100) | $450 (AED 1,650) |
| Preventative Dental Treatment | $150 (AED 550) | $300 (AED 1,100) | $450 (AED 1,650) |
| Medical Evacuation | Paid in Full | Paid in Full | Paid in Full |
| Medical Repatriation | Paid in Full | Paid in Full | Paid in Full |
| Regional | International | International Plus | |
|---|---|---|---|
| Enhanced Adult Physical Examination | $400 (AED 1,000) | $550 (AED 2,000) | $1,000 (AED 3,500) |
| Screenings and Tests | $750 (AED 2,750) | $1,500 (AED 5,500) | $3,000 (AED 11,000) |
| Homeopathy, Ayurveda and Chinese Medicine | $1,000 (AED 3,500) | Paid in Full | Paid in Full |
| Digestic Consultations | $400 (AED 1,500) | $550 (AED 2,000) | Paid in Full |
| Life Management Assistance Program | Paid in Full | Paid in Full | Paid in Full |
| Routine Eye Examination | Paid in Full | Paid in Full | Paid in Full |
| Expenses for Eyewear | $150 (AED 600) | $250 (AED 900) | $550 (AED 2,000) |
| Return Home Cash Benefit | $250 (AED 900) | $800 (AED 3,000) | $1,500 (AED 5,500) |
| Dental Care Annual Benefit | $1,250 (AED 4,500) | $3,000 (AED 11,000) | $6,550 (AED 24,000) |
| Preventative Dental Treatment | Paid in Full | Paid in Full | Paid in Full |
| Major Restorative Dental Treatment | Paid in Full | Paid in Full | Paid in Full |
| Orthodontic Treatment | N/A | Paid in Full | Paid in Full |
| Regional | International | International Plus | |
|---|---|---|---|
| Routine Maternity, Childbirth and Elective Caesarean | $5,000 (AED 18,000) | $10,000 (AED 36,500) | $20,000 (AED 73,500) |
| Complications Arising from Maternity and Childbirth | $41,000 (AED 150,000) | $41,000 (AED 150,000) | $41,000 (AED 150,000) |
| Home Births | $270 (AED 1,000) | $550 (AED 2,000) | $1,100 (AED 4,000) |
| Newborn Care | Paid in Full | Paid in Full | Paid in Full |
| Congenital Conditions and Birth Defects | $10,000 (AED 36,500) | $20,000 (AED 73,500) | $39,000 (AED 140,000) |
| Outpatient Maternity | Paid in Full | Paid in Full | Paid in Full |
Optional Modules
Cigna Heathguard's optional modules, Healthy Connect and Mother and Baby Care, offer a wide range of benefits to add to your core plan. Read more about each benefit below.
Interested in purchasing Cigna Healthguard?
Contact one of our insurance brokers by requesting a quote.
How Much Does Health Insurance Cost in the UAE?
The Cigna Healthguard Plans can be paid quarterly or annually. Rates are based on multiple factors, such as the type of plan and the provider network tier you choose. To get a quote for your trip’s full cost, click the Get Quote button and follow the simple on-screen prompts.
*Cigna Healthguard offers 4 Network Tier options.
**Cigna Healthguard offers 3 Outpatient Co-Pay options.
Cigna Healthguard: Who Can Get Health Insurance in the UAE?
Eligibility requirements for the Cigna Healthguard plans are:
- You must be 18 years of age to apply
- You must be an expatriate or local national living in the Emirate of Dubai or any of the Northern Emirates
- You must disclose any pre-existing or chronic conditions in your application
The Cigna Wellbeing™ App
The Cigna Wellbeing app is your expatriate resource center. With the app, you will have control over health documents and easy to access to meet with a doctor. Cigna has created an easy way to take care of yourself while traveling and living abroad at the tap of a button.
Key Features
- Real-time video and telephone consultations with licensed and credentialed doctors
- Ability to measure, monitor and understand your health
- Health and Lifestyle programs
- Expert health and fitness advice
- Track health measurements
- Help and support to manage chronic conditions
- Access a library of information filled with wellness articles, healthy recipes, and exciting health facts
Interested in purchasing Cigna Healthguard?
Contact one of our insurance brokers by requesting a quote.
Frequently Asked Questions about the Cigna Healthguard plans
You can select any of the 4 Tiers of our UAE network of healthcare providers.
Network tier options are:
- General
- General Plus
- Comprehensive excluding American Hospital Dubai
- Comprehensive
The Cigna Healthguard Regional plan provides coverage in the UAE, other countries of the Gulf Corporation Council, the Middle East, and Asia (excluding China, Hong Kong, and Singapore).
Yes, Cigna will pay the hospital or medical practitioner directly as long as you receive treatment within Cigna's healthcare provider network in the UAE. Prior authorization is required for all inpatient and day-patient treatments.
Cigna's Global Health Assist program provides policyholders with access to doctors and nurses who can offer a second medical opinion service. If your treatment is more complex, then Cigna's network of nurses can take over and provide clinical guidance and reassurance.
Yes, Cigna's plans provide cover for pre-existing and chronic conditions. You must disclose any pre-existing conditions as part of your application. Cigna will communicate their coverage decision in the underwriting summary form during the application process.
Yes, Cigna's plans include emergency short-term medical coverage when you visit a location outside of your selected area of coverage.
No, you must purchase a Cigna Healthguard plan in order to receive Healthy Connect benefits.
Cigna will pay the reasonable costs for a return journey, should the need arise to return home for medically necessary hospital treatment.
Cigna will pay for preventative, routine, and major restorative dental treatments up to individual benefit limit and subject to the annual benefit limit per period of cover. A waiting period and co-pay applies to some of the dental benefits.
Interested in purchasing Cigna Healthguard?
Contact one of our insurance brokers by requesting a quote.
