International Health Insurance Plans for Expats Residing in the United Arab Emirates
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.
Compare the Cigna Healthguard Plans
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 Rates below | ||
| Duration of Benefits and Services | Annually | ||
| Eligibility | Expatriates and Local Nationals living and working in Emirate of Dubai and/or the Northern Emirates | ||
Who are the Cigna Healthguard Plans Designed For?
Policy Holder and Plan Cost Examples
Here are three real-life scenarios our customers experience every day. We have provided plan options and pricing for an individual, a retired couple, and a family of four who are all moving abroad to the UAE. See examples of quarterly and annual plan prices below.
A young professional residing in Dubai seeking private medical insurance with coverage in the UAE, Middle East, and Asia.
A UK couple, both 65 years old, retiring to the Emirate of Dubai under a 5-year visa, seeking private medical insurance with Worldwide coverage, but excluding the US.
A US expatriate couple moving to work in the Emirate of Dubai with their 4 and 8-year-old children seeking private medical insurance with Worldwide coverage including the US.
Quarterly
Annually
Regional
- General Healthcare Network
- Coverage in the UAE, Middle East, and Asia
International
- General Plus Healthcare Network
- Worldwide Coverage (Excluding USA)
International+
- Comprehensive Healthcare Network
- Worldwide Coverage (Including USA)
*Cost estimates based on a 20% co-pay and healthcare provider network option
Cigna Healthguard Eligibility Requirements
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
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
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.
