Cigna
Cigna Healthcare sells health insurance in the UAE through Cigna Insurance Middle East S.A.L., a Lebanese insurer with branches in Dubai, Abu Dhabi and Sharjah. It is part of The Cigna Group, a US company listed on the New York Stock Exchange. It sells health plans to individuals, families, employers and government bodies.
Out of 5 from 1,279 Google reviews across one office
- SmartCare by Cigna app, App Store4.2678 ratings
- SmartCare by Cigna app, Google Play3.2346 ratings
- Cigna Envoy app, App Store2.1123 ratings
- Cigna Envoy app, Google Play2.62,000 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Cigna
Cigna averages 4.7 out of 5 across 1,279 Google reviews of its UAE offices, read 11 Nov 2026. Those reviews cover everything it sells, not only health insurance.
Read the reviews on GoogleCigna health insurance
Cigna sells Healthguard, a plan for individuals and families in three levels, and the Dubai Essential Benefits Plan. Healthguard is run with the claims administrator Neuron, and the Essential Benefits Plan uses the Value Lite network, where you show your Emirates ID and mention NAS.
| Plan | Type | What it is |
|---|---|---|
| Healthguard Regional | Regional plan | GCC, Middle East and Asia. Cigna's plan page and handbook exclude Singapore, Hong Kong, China and Japan. The table of benefits lists Singapore, Hong Kong and China only, so check Japan with Cigna. Annual limit AED 2,750,000.10 |
| Healthguard International | International plan | Worldwide excluding the USA, or worldwide including the USA. Annual limit AED 7,350,000.11 |
| Healthguard International Plus | International plan | Worldwide excluding the USA, or worldwide including the USA. No annual limit.12 |
| Essential Benefits Plan | Basic plan | Basic cover for individuals in Dubai, priced by salary band. Covers the UAE, with Abu Dhabi on an emergency basis only. Annual limit AED 150,000.5 |
| Cover | With this insurer | Details |
|---|---|---|
| Annual limit | Depends on plan | Set by Healthguard level: Regional, International or International Plus. The plans table gives each limit.4 |
| Area of cover | Depends on plan | Regional covers the GCC, Middle East and Asia, excluding Singapore, Hong Kong, China and Japan. The two International levels cover the world, with an option to include the USA.4 |
| Network and claims administrator | Included | Healthguard is administered with Neuron. You choose one of four UAE network tiers: General, General Plus, Comprehensive excluding American Hospital Dubai, or Comprehensive.10 |
| Direct billing | Included | Cigna pays network providers in the UAE directly. Treatment outside the network in the UAE carries a 20% penalty.10 |
| Maternity | Included | The core Healthguard plan pays AED 10,000 for routine maternity, childbirth and elective caesarean, with a 10% co-pay. It is payable outside the UAE once the mother has been covered for 12 months.10 |
| Extra maternity cover | Optional extra | The Mother and Baby Care module is available once the mother has been on the module for 12 continuous months.10 |
| Pre-existing conditions | Depends on plan | Cigna says pre-existing and chronic conditions are covered up to the annual limit. The tables of benefits refer to a pre-existing conditions benefit limit, so ask what it is for your plan.4 |
| Out-patient co-pay | Depends on plan | You choose 0%, 10% up to AED 50 per consultation, or 20% up to AED 100 per consultation.10 |
More cover details (8)
| Cover | With this insurer | Details |
|---|---|---|
| Hospital room | Included | In-patient and day-patient hospital charges in a private room are paid in full, up to the annual limit.10 |
| Prior approval | Depends on plan | Without prior authorisation a claim may be delayed or declined. If you cannot ask before emergency treatment, contact Cigna within 48 hours of seeking it.13 |
| Digital ID card | Included | Sent to your registered email. In the UAE you can also show your Emirates ID and say you are insured with Cigna Healthcare-Neuron.13 |
| Healthy Connect module | Optional extra | Dental and eye check-ups, preventive tests, counselling sessions and nutrition advice.4 |
| Essential Benefits Plan network | Included | The Value Lite network of 250+ hospitals and clinics and 500+ pharmacies. Show your Emirates ID at a network provider and mention NAS.14 |
| Essential Benefits Plan co-insurance | Included | 20% on in-patient treatment up to AED 500, with a total cap of AED 1,000. 20% on out-patient treatment. 30% on pharmacy. 0% in an emergency.5 |
| Essential Benefits Plan maternity | Included | AED 10,000 for a normal delivery and AED 10,000 for a medically necessary C-section, with 10% co-insurance.5 |
| Essential Benefits Plan pre-existing and chronic conditions | Depends on plan | Covered after a 6-month waiting period. The wait does not apply if you were insured in the UAE before.5 |
Published prices
- Essential Benefits Plan, earning less than AED 4,000 a month: AED 826.25, including Basmah and HCV Patient Support Programme fees and 5% VAT, as of 11 November 2026.5
- Essential Benefits Plan, earning more than AED 4,000 a month: priced by age and sex, from AED 2,187.15 for men aged 18 to 24 up to AED 20,382.60 at age 60 and over, as of 11 November 2026. Cigna says rates for women may differ with maternity status.5
- The Dubai Health Authority's list of participating insurers shows an index rate of 826 for Cigna's Essential Benefits Plan, including Basmah and VAT, as of 11 November 2026.17
Check before you buy
- Healthguard: visits outside the UAE must total less than 180 days in a period of cover. Beyond that, Cigna can restrict cover to treatment in the UAE for the rest of the period.13
- Healthguard: reimbursement claims sent more than 180 days after treatment are not considered.13
- Essential Benefits Plan: treatment outside the network is not eligible and cover would be declined.14
- Essential Benefits Plan: cover in Abu Dhabi is on an emergency basis only.5
- Cigna describes Healthguard as a plan for people working and living in Dubai and the Northern Emirates. Ask Cigna what it offers if your visa is from Abu Dhabi.23
Policy documents
- Cigna Healthguard Regional table of benefitsTable of benefits
- Cigna Healthguard International table of benefitsTable of benefits
- Cigna Healthguard International Plus table of benefitsTable of benefits
- Cigna Healthguard brochure and customer handbookPolicy handbook
- Essential Benefits Plan table of benefitsTable of benefits
- Essential Benefits Plan policy termsPolicy wording
- Essential Benefits Plan network listNetwork list
- Essential Benefits Plan FAQsGuide
How to claim with Cigna
- Claims emailClaims.Healthguard@Cignahealthcare.com
Steps
- At a network provider, show your digital ID card or Emirates ID and pay only your co-pay. Cigna settles the rest with the provider.13
- If your plan allows treatment outside the network, pay the provider and keep the invoice.13
- Fill in the claim form, with a diagnosis or explanation of the treatment and how you want to be paid.13
- Email scanned copies of the form and your documents to Claims.Healthguard@Cignahealthcare.com, with your policy number on every document, within 180 days of treatment.13
Documents to have ready
- Completed claim form13
- All invoices with a detailed breakdown, and receipts showing you paid13
- Prescriptions, if you are claiming for medicines13
- Radiology, imaging and blood test reports, if you are claiming for those tests13
- Discharge summary and medical report for a hospital stay13
- Operative notes, anaesthesia sheets and histopathology reports for surgery13
- Bank name and address, account name, account number and SWIFT code for payment by bank transfer13
- Healthguard: submit a reimbursement claim within 180 days of treatment. Claims sent later are not considered.13
- Healthguard: Cigna says it aims to process a claim within 5 working days of receiving all the documents.13
- Essential Benefits Plan: only pre-approved treatment at network providers is eligible. Cigna says treatment outside the network is not eligible.14
Not happy with a claim? Use the Cigna complaints page first. How to complain about a health insurer.
About Cigna
- Legal name
- Cigna Insurance Middle East S.A.L
- Founded
- Cigna Insurance Middle East S.A.L. has been licensed in Lebanon since 1956.2
- Type
- Conventional insurer. It operates in the UAE as branches of a foreign insurance company.2
- Owner
- Part of The Cigna Group.1
- Listed on
- The Cigna Group is listed on the New York Stock Exchange under the symbol CI.15
- Headquarters
- The Dubai branch is at One Central, Dubai World Trade Centre. The licensed company is based in Beirut, Lebanon.2
- UAE branches
- Branches in Dubai, Abu Dhabi and Sharjah. The contact page lists the Dubai and Abu Dhabi offices only.2
- Also sells
- Health plans for businesses, Health plans for governments7
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 489
Financial strength
AM Best's March 2026 release does not name Cigna Insurance Middle East S.A.L., the company licensed in the UAE. The grades and results here are for other Cigna insurers and for The Cigna Group as a whole. Profit is shareholders' net income.
Recent news
- AM Best affirms ratings for The Cigna Group and its insurers
AM Best affirmed a Financial Strength Rating of A (Excellent) for the group's main US life and health subsidiaries and its Europe-based insurers, with stable outlooks.15
- The Cigna Group reports its 2025 results
Total revenues for 2025 were USD 274.9 billion and shareholders' net income was USD 5,957 million.16
- Cigna becomes a participating insurer for the Essential Benefits Plan
Cigna says the Dubai Health Insurance Corporation granted it a Participating Insurer licence in January 2022.5
Contact Cigna
- Phone+971 4 362 0600
- Toll free, sales, and members whose company is based in the Middle East800 124 462
- Toll free, members whose company is based in North America800 555 333
- Email, salesuae-sales@cigna.com
- ComplaintsOpen complaints page
- HoursCigna says customer service is available 24 hours a day, every day of the year.
- Head officeCigna Insurance Middle East S.A.L. - Dubai Branch, The Offices 3, One Central, Dubai World Trade Centre, PO Box 3664, Dubai
Branches (3)
| Branch | Address | Phone |
|---|---|---|
| Dubai | The Offices 3, One Central, Dubai World Trade Centre, Sheikh Zayed Road, PO Box 3664, Dubai | +971 4 362 0600 |
| Abu Dhabi | Level 17, The Offices World Trade Center, Hamdan Street, Central Market, Al Markaziya, Abu Dhabi | |
| Sharjah | Regus, Office 4048, Megamall Tower, Plot 260, Bu Daniq, Al Qassimia, PO Box 73500, Sharjah |
Common questions
What do Cigna insurance reviews in Dubai say?
Cigna Healthcare Middle East's Dubai office at One Central has 4.7 out of 5 on Google Maps from 1,279 reviews, as of 11 November 2026. Read recent reviews yourself, because an average does not tell you how a claim like yours was handled.22
Is Cigna a good health insurance company?
Here is what other organisations publish. On 4 March 2026 AM Best affirmed a Financial Strength Rating of A (Excellent) for The Cigna Group's main US and European insurers. That release does not name Cigna Insurance Middle East S.A.L., the company licensed in the UAE. Compare the table of benefits for your plan with what you need.15
What do members rate the Cigna app?
SmartCare by Cigna, a Cigna member app that you register for with an Emirates ID or Neuron ID, has 4.2 out of 5 from 678 ratings on the UAE App Store as of 11 November 2026.18
Which Cigna company insures me in the UAE?
Cigna Insurance Middle East S.A.L., a Lebanese insurer. It is registered with the UAE Central Bank to operate through branches in Abu Dhabi, Dubai and Sharjah as a foreign insurance company, under registration No. 48.2
How long do I have to claim on Cigna Healthguard?
You have 180 days from treatment to submit a reimbursement claim. Email scanned copies to Claims.Healthguard@Cignahealthcare.com. Cigna says it aims to process a claim within 5 working days of receiving all the documents.13
Does Cigna Healthguard cover maternity?
Yes. The core plan pays AED 10,000 for routine maternity, childbirth and elective caesarean, with a 10% co-pay, on all three levels. The optional Mother and Baby Care module adds more once the mother has been on it for 12 continuous months.10
Sources
23
1Cigna Healthcare Middle East, About Cigna Healthcare Middle East. Last checked 11 Nov 2026. Source document: About Cigna Healthcare Middle East
2Cigna Healthcare Middle East, Legal Information. Last checked 11 Nov 2026. Source document: Legal Information
3Dubai Health Authority, Permitted Insurers. Last checked 11 Nov 2026. Source document: Permitted Insurers
4Cigna Healthcare Middle East, Healthguard, Health Insurance Plans in UAE. Last checked 11 Nov 2026. Source document: Healthguard, Health Insurance Plans in UAE
5Cigna Healthcare Middle East, Cigna Essential Benefits Plans for Individuals. Last checked 11 Nov 2026. Source document: Cigna Essential Benefits Plans for Individuals
6Cigna Healthcare Middle East, Member Login. Last checked 11 Nov 2026. Source document: Member Login
7Cigna Healthcare Middle East, Contact Us. Last checked 11 Nov 2026. Source document: Contact Us
8Cigna Healthcare Middle East, Complaints Procedure. Last checked 11 Nov 2026. Source document: Complaints Procedure
9Central Bank of the UAE, CB Register September of 2026. Last checked 11 Nov 2026. Source document: CB Register September of 2026
10Cigna Healthcare Middle East, Cigna Healthguard Regional table of benefits. Last checked 11 Nov 2026. Source document: Cigna Healthguard Regional table of benefits
11Cigna Healthcare Middle East, Cigna Healthguard International table of benefits. Last checked 11 Nov 2026. Source document: Cigna Healthguard International table of benefits
12Cigna Healthcare Middle East, Cigna Healthguard International Plus table of benefits. Last checked 11 Nov 2026. Source document: Cigna Healthguard International Plus table of benefits
13Cigna Healthcare Middle East, Cigna Healthguard sales brochure and customer handbook. Last checked 11 Nov 2026. Source document: Cigna Healthguard sales brochure and customer handbook
14Cigna Healthcare Middle East, Cigna Essential Benefits Plan FAQs. Last checked 11 Nov 2026. Source document: Cigna Essential Benefits Plan FAQs
15AM Best via Nasdaq, AM Best Affirms Credit Ratings of The Cigna Group and Its Subsidiaries. Last checked 11 Nov 2026. Source document: AM Best Affirms Credit Ratings of The Cigna Group and Its Subsidiaries
16The Cigna Group, The Cigna Group Reports Strong Fourth Quarter and Full Year 2025 Results, Establishes 2026 Outlook and Increases Dividend. Last checked 11 Nov 2026. Source document: The Cigna Group Reports Strong Fourth Quarter and Full Year 2025 Results, Establishes 2026 Outlook and Increases Dividend
17Dubai Health Authority, DHA Participating Insurers Results. Last checked 11 Nov 2026. Source document: DHA Participating Insurers Results
18Apple App Store (UAE), SmartCare by Cigna App. Last checked 11 Nov 2026. Source document: SmartCare by Cigna App
19Google Play, SmartCare by Cigna. Last checked 11 Nov 2026. Source document: SmartCare by Cigna
20Apple App Store (UAE), Cigna Envoy App. Last checked 11 Nov 2026. Source document: Cigna Envoy App
21Google Play, Cigna Envoy. Last checked 11 Nov 2026. Source document: Cigna Envoy
22Google Maps, Cigna Healthcare Middle East. Last checked 11 Nov 2026. Source document: Cigna Healthcare Middle East
23Cigna Global, International Health Insurance in the UAE & Dubai. Last checked 11 Nov 2026. Source document: International Health Insurance in the UAE & Dubai
- Owner
- Medicalinsurance.ae research team
- Last review
- Next review due
- 10 May 2027
- Status
- Published