• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

International Citizens Insurance

Medical and Travel Plans!

U.S. 877-758-4881 - Intl. +44 (20) 35450909

Request a Quote
  • Home
  • Individual Plans
    • International Health Insurance Plans
      • Best International Health Insurance Companies
      • Student Insurance
      • Overseas Health Insurance
    • Expatriate Insurance
      • Insurance for American Expats Abroad
      • Insurance for Canadian Expats
      • Expat Insurance for Japanese Abroad
      • Expat Insurance for Germans Living Abroad
      • Expat insurance for Brazilian Citizens Abroad
    • Travel Insurance
      • Travel Medical Insurance Plans
      • Visitors Coverage
      • Best Travel Insurance Companies
      • Trip Cancellation Insurance
      • Evacuation Insurance Plans
      • Student Insurance
    • International Life Insurance
  • Group Plans
    • Corporate and Employee Groups
    • Missionary Groups
    • Volunteer Programs and Non-Profits
    • School Groups
  • Insurance Companies
    • Aetna International
    • Cigna Global Insurance Company
    • GeoBlue
    • International Medical Group
    • Now Health
    • Seven Corners
    • Tokio Marine HCC
  • Compare
    • Compare Global Health Insurance Plans
    • Compare Travel Insurance Plans
  • Country Guides
    • Health Insurance Plans in North America
      • Health Insurance in the USA
      • Health Insurance in Mexico
      • Health Insurance in Canada
    • Understanding Health Insurance in South America
      • Health Insurance in Argentina
      • Health Insurance in Colombia for Foreigners
      • Health Insurance in Chile
    • European Health Insurance
      • UK Health Insurance Plans for Foreigners
      • Health Insurance in Germany
      • French Health Insurance
      • Italian Health Insurance
      • Health Insurance in Sweden for Foreigners
      • Portuguese Health Insurance
      • Health Insurance in Spain for Foreigners
    • Health Insurance Plans in Asia
      • Health Insurance in China
      • Health Insurance in Japan
      • Health Insurance in Dubai
      • Health Insurance in India
      • Thailand Health Insurance
      • Malaysian Health Insurance for Foreigners
      • Health Insurance in Singapore for Foreigners
    • Understanding Health Insurance in Oceania
      • Australian Health Insurance for Foreigners
      • Health Insurance in New Zealand
    • Health Insurance Options in Africa
      • South Africa Health Insurance for Foreigners
    • Travel Insurance Plans by Country
      • USA Travel Insurance
      • Australia Travel Insurance
      • Mexico Travel Insurance
  • Resources
    • News, Global Health Advice, and Travel Tips
    • Insurance Articles
    • Travel Advice and Tips
    • Senior Travel Insurance
Home > Global Insurance Companies > Cigna > Cigna Healthguard Plans

Cigna Healthguard Plans

International Health Insurance in the United Arab Emirates for Expats

Young, healthy family in Dubai - UAEThe 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.

Request 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.

REGIONAL

  • Annual Maximum Limit: $750,000 (AED 2,750,000)
  • Coverage within the countries of the GCC, Middle East, and Asia
  • Flexibility to select your network tier
  • Option to include extra modules

INTERNATIONAL

  • Annual Maximum Limit: $2,000,000 (AED 7,350,000)
  • Worldwide coverage with the option to include the U.S.
  • Flexibility to select your network tier
  • Option to include extra modules

INTERNATIONAL PLUS

  • Annual Maximum Limit: $Unlimited (AED Unlimited)
  • Worldwide coverage with the option to include The U.S.
  • Flexibility to select your Network tier
  • Option to include extra modules

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.

Features

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

Insurance Coverage

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

Healthy Connect

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

Mother and Baby Care

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.

  • Wellness Tests
  • Dental Care
  • Vision Care
  • Return Home
  • Maternity Care

The Healthy Connect module offers wellness tests and treatments to help improve your health, such as cancer screenings and allergy tests.

The Healthy Connect module provides cover for preventative, routine, and major restorative dental treatments.

The Healthy Connect module provides cover for routine eye examinations and expenses towards prescription lenses.

The Healthy Connect module provides cash payments towards the reimbursement of airfare in case you must return home for medically necessary hospital treatment.

The Mother and Baby Care module provides enhanced cover for maternity benefits. With the Mother and Baby Care module you will receive cover for pre and postnatal tests and examinations, routine maternity and homebirth, newborn care, and non-life-threatening congenital conditions and birth defects.

Interested in purchasing Cigna Healthguard?

Contact one of our insurance brokers by requesting a quote.

Request 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.

  • Paying Quarterly
  • Paying Annually

 

   

  • Medical Maximum
  • Healthcare Network*
  • Outpatient Co-Pay**

Regional

AED 2,958 / qtr

  • Medical Maximum AED 2,750,000
  • Healthcare Network* General Plus
  • Outpatient Co-Pay** 10% up to AED 50

International

AED 3,370 / qtr

  • Medical Maximum AED 7,350,000
  • Healthcare Network* General Plus
  • Outpatient Co-Pay** 10% up to AED 50

International Plus

AED 3,744 / qtr

  • Medical Maximum AED Unlimited
  • Healthcare Network* General Plus
  • Outpatient Co-Pay** 10% up to AED 50

 

   

  • Medical Maximum
  • Healthcare Network*
  • Outpatient Co-Pay**

Regional

AED 10,648 / yr

  • Medical Maximum AED 2,750,000
  • Healthcare Network* General Plus
  • Outpatient Co-Pay** 10% up to AED 50

International

AED 12,131 / yr

  • Medical Maximum AED 7,350,000
  • Healthcare Network* General Plus
  • Outpatient Co-Pay** 10% up to AED 50

International Plus

AED 13,479 / yr

  • Medical Maximum AED Unlimited
  • Healthcare Network* General Plus
  • Outpatient Co-Pay** 10% up to AED 50

*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
App Store
Google Play

Interested in purchasing Cigna Healthguard?

Contact one of our insurance brokers by requesting a quote.

Request a Quote

Frequently Asked Questions about the Cigna Healthguard plans

Which healthcare provider network do I have access to within the different 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

Which countries are included in the Cigna Healthguard Regional Plan?

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).

Does Cigna Healthguard provide direct payment to healthcare providers within the UAE?

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.

What is the Cigna Healthguard Global Health Assist program?

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.

Does Cigna Healthguard cover pre-existing conditions while living in the UAE?

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.

Does Cigna Healthguard provide out of area emergency care?

Yes, Cigna's plans include emergency short-term medical coverage when you visit a location outside of your selected area of coverage.

Can I add any individual benefits included in the Cigna Healthguard Healthy Connect module to my core plan?

No, you must purchase a Cigna Healthguard plan in order to receive Healthy Connect benefits.

What is the Cigna Healthguard return home cash benefit and what is covered under it?

Cigna will pay the reasonable costs for a return journey, should the need arise to return home for medically necessary hospital treatment.

What is included in the dental care benefits with Cigna Healthguard?

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.

Request a Quote
Share this

Primary Sidebar

Cigna Global Health Insurance Plan

Coverage and Plan Info

  • Overview
  • Benefits
  • Rates
  • Eligibility
  • FAQs

Download Brochure

Request a quote for the Cigna Healthguard plan online in just a few minutes.

Request a Quote

Our Customer Reviews

International Citizens Insurance
International Citizens Insurance
4.9
Based on 129 reviews
powered by Google

Get a fast, free, expat insurance quote.

Request a Quote

Footer

Global Medical Plans

International Health Insurance
Cigna Global Health
GeoBlue Xplorer Premier
IMG Global Medical
Integra Health Plans
Aetna International

Specialty Coverage

Overseas Health Insurance
US Citizens Abroad
US Health Insurance
Senior Travel Insurance
Visitors Coverage
Schengen Visa Insurance
Annual Multi Trip

Company Info

About Us
The Team
International Brokers
Testimonials
Agents / Affiliates

Customer Service

United States 877-758-4881
US Direct 617-500-6738
International +44 (20) 35450909

International Citizens Insurance
International Citizens Insurance
4.9
Based on 129 reviews
powered by Google
US Travel Insurance Association Member International Citizens Insurance Business Review

18 Shipyard Drive, Hingham, MA 02043 USA | info@internationalinsurance.com

Contact US | Privacy Policy | Licensing | Sitemap

Copyright © 2021, International Citizens Insurance, an International Citizens Group, Inc. company


Note: Covid-19, or Coronavirus, coverage is not included in all plans offered on this website. Please indicate your desire for this coverage when working with your agent. International Citizens Insurance is a licensed agency providing guidance on international insurance plans. Select products and services listed on this site may not be available to citizens or residents of certain countries. This site provides consolidated and summary descriptions of insurance plans, benefits, conditions, limitations, and exclusions. A certificate containing the complete certificate wording with all terms, conditions, and exclusions will be provided at the time of purchase or upon request. For additional advice and guidance, contact us for assistance.

By continuing to browse this website you are agreeing to our use of cookies.
International Citizens Insurance
  • Home
  • Individual Plans
    ▼
    • International Health Insurance Plans
      ▼
      • Best International Health Insurance Companies
      • Student Insurance
      • Overseas Health Insurance
    • Expatriate Insurance
      ▼
      • Insurance for American Expats Abroad
      • Insurance for Canadian Expats
      • Expat Insurance for Japanese Abroad
      • Expat Insurance for Germans Living Abroad
      • Expat insurance for Brazilian Citizens Abroad
    • Travel Insurance
      ▼
      • Travel Medical Insurance Plans
      • Visitors Coverage
      • Best Travel Insurance Companies
      • Trip Cancellation Insurance
      • Evacuation Insurance Plans
      • Student Insurance
    • International Life Insurance
  • Group Plans
    ▼
    • Corporate and Employee Groups
    • Missionary Groups
    • Volunteer Programs and Non-Profits
    • School Groups
  • Insurance Companies
    ▼
    • Aetna International
    • Cigna Global Insurance Company
    • GeoBlue
    • International Medical Group
    • Now Health
    • Seven Corners
    • Tokio Marine HCC
  • Compare
    ▼
    • Compare Global Health Insurance Plans
    • Compare Travel Insurance Plans
  • Country Guides
    ▼
    • Health Insurance Plans in North America
      ▼
      • Health Insurance in the USA
      • Health Insurance in Mexico
      • Health Insurance in Canada
    • Understanding Health Insurance in South America
      ▼
      • Health Insurance in Argentina
      • Health Insurance in Colombia for Foreigners
      • Health Insurance in Chile
    • European Health Insurance
      ▼
      • UK Health Insurance Plans for Foreigners
      • Health Insurance in Germany
      • French Health Insurance
      • Italian Health Insurance
      • Health Insurance in Sweden for Foreigners
      • Portuguese Health Insurance
      • Health Insurance in Spain for Foreigners
    • Health Insurance Plans in Asia
      ▼
      • Health Insurance in China
      • Health Insurance in Japan
      • Health Insurance in Dubai
      • Health Insurance in India
      • Thailand Health Insurance
      • Malaysian Health Insurance for Foreigners
      • Health Insurance in Singapore for Foreigners
    • Understanding Health Insurance in Oceania
      ▼
      • Australian Health Insurance for Foreigners
      • Health Insurance in New Zealand
    • Health Insurance Options in Africa
      ▼
      • South Africa Health Insurance for Foreigners
    • Travel Insurance Plans by Country
      ▼
      • USA Travel Insurance
      • Australia Travel Insurance
      • Mexico Travel Insurance
  • Resources
    ▼
    • News, Global Health Advice, and Travel Tips
    • Insurance Articles
    • Travel Advice and Tips
    • Senior Travel Insurance

877-758-4881 or
+44 (20) 35450909

Call 24 hours a day; 7 days a week.