Cigna has a tradition for first-class service that can trace itself back more than 200 years.
Customers can select from one of three levels of personal health care and add a number of optional benefits to these three packages. Cigna offers easy access to quality healthcare internationally, and has 90 million customers across the globe. In addition to individual healthcare, Cigna also offers healthcare for government, corporates, and SMEs and entrepreneurs.
Cigna was founded in 1982 from the merger of Connecticut General Life Insurance Company (CG) and INA Corporation (the parent corporation of Insurance Company of North America). The company name comes from the CG and INA of the two original companies. The Insurance Company of North America was founded in 1792, while the Connecticut General was founded in 1865. Despite this great longevity, Cigna is an innovative and flexible company. They opened their Middle East and North Africa headquarters in the Dubai Trade Centre in 2018.
Contact Details CIGNA
Cigna Insurance Middle East S.A.L
The Offices 3 at One Central, Dubai World Trade Centre
Office No.111, Level 1
Po Box 3664
Dubai, UAE
Tel 043620600
Dubai Healthguard Policy Complaints: [email protected]
Why buy Cigna?
Cigna’s Healthguard℠ offer three levels of cover, and you can add extra benefits and modules to extend and personalize your care.
The Healthguard Regional plan offers an overall annual benefit limit of AED 2,750,000 and direct payment to providers in the UAE, out of network penalty in the UAE of 20%, out of area emergency cover AED 180,000 ($50,000). Customers also get nursing care, full accommodation on a private room basis for inpatient and day patient treatment and recovery room including emergency treatment, full hospital charges for operating theatre, prescribed medicines, drugs and dressings and surgeons’ and anesthetists’ fees on an inpatient and day patient basis, full specialists’ fees, AED 100 (USD 28) companion accommodation per night, AED 500 (USD 135) hospital accommodation for a parent or legal guardian (per night), full transplant services, full kidney dialysis, full diagnostic tests, full advanced medical imaging, AED 9,000 (USD 2,500) rehabilitation, AED 9,000 (USD 2,500) home nursing, full physiotherapy, full local road ambulance, full palliative care, AED 150,000 (USD 41,000) internal prosthetic devices/ surgical and medical appliances, AED 10,000 (USD 2,700) external prosthetic devices/ surgical and medical appliances, AED 400 (USD 100) nightly inpatient cash benefit, full emergency dental treatment, full emergency mental health care, AED 5,500 (USD 1,500) non-emergency mental health care, full cancer care, AED 36,500 (USD 10,000) with 30% co-pay for preventative cancer surgery, AED 7,000 (USD 1,900) routine maternity, childbirth and elective caesarean, AED 10,000 (USD 2,700) for non-elective caesarian, full cover for maternity complications, AED 150,000 (USD 41,000) newborn care, AED 150,000 birth defects, full consolation with specialists, full surgeons’ and anesthetists’ fees, full outpatient maternity, full kidney dialysis, full advance medical imaging, 15 physiotherapy appointments, 10 osteopathic/chiropractic appointments, AED 3,500 acupuncture, full emergency dental, AED 9,000 speech therapy, AED 9,000 prescribed drugs and dressings, AED 9,000 durable equipment rental, AED 2,000 adult vaccinations, AED 9,000 well child tests, full child vaccinations, AED 9,000 routine child tests, AED 550 routine adult physical exam, full cancer and hepatitis C screening, full hearing loss treatment, full hearing and vision aids, AED 550 preventative dental treatment, full medical evacuation/repatriation, full repatriation of mortal remains, AED 3,500 travel for compassionate visits (5 per lifetime), AED 600 compassionate visit living allowance (max 10 days).
The Healthguard International plan offers an overall annual benefit limit of AED 7,350,000 and four choices of healthwork provider in the UAE, direct payment to providers in the UAE, and an out of network penalty in the UAE of 20%, out of area emergency cover AED 280,000 (USD 75,000), worldwide excluding coverage either including or excluding USA. Customers also get nursing care, full accommodation on a private room basis for inpatient and day patient treatment and recovery room including emergency treatment, full hospital charges for operating theatre, prescribed medicines, drugs and dressings and surgeons’ and anesthetists’ fees on an inpatient and day patient basis, full specialists’ fees, AED 100 (USD 28) companion accommodation per night, AED 1,000 (USD270) hospital accommodation for a parent or legal guardian (per night), full transplant services, full kidney dialysis, full diagnostic tests, full advanced medical imaging, AED 18,000 (USD 5,000) rehabilitation, AED 18,000 (USD 5,000) home nursing, full physiotherapy, full local road or air ambulance, full palliative care, full internal prosthetic devices/ surgical and medical appliances, AED 15,000 (USD 4,100) external prosthetic devices/ surgical and medical appliances, AED 600 (USD 150) nightly inpatient cash benefit, full emergency dental treatment, full emergency mental health care, AED 7,500 (USD 2,000) non-emergency mental health care, full cancer care, AED 66,000 (USD 180,000) with 20% co-pay for preventative cancer surgery, AED 7,000 (USD 1,900) routine maternity, childbirth and elective caesarean, AED 10,000 (USD 2,700) for non-elective caesarian, full cover for maternity complications, AED 150,000 (USD 41,000) newborn care, AED 150,000 birth defects, two co-pay options, full consultation with specialists, full surgeons’ and anesthetists’ fees, full outpatient maternity, full kidney dialysis, full advance medical imaging, 30 physiotherapy appointments, 15 osteopathic/chiropractic appointments, full acupuncture, full emergency dental, AED 18,000 speech therapy, AED 18,000 prescribed drugs and dressings, AED 18,000 durable equipment rental, AED 7,500 adult vaccinations, full well child tests, full child vaccinations, full routine child tests, AED 1,100 routine adult physical exam, full cancer and hepatitis C screening, full hearing loss treatment, full hearing and vision aids, AED 1,100 preventative dental treatment, full medical evacuation/repatriation, full repatriation of mortal remains, AED 4,500 travel for compassionate visits (5 per lifetime), and AED 750 compassionate visit living allowance (max 10 days).
The Healthguard International Plus plan offers unlimited annual benefit limit, direct payment to providers in the UAE, and an out of network penalty in the UAE of 20%, out of area emergency cover AED 500,000 (USD 135,000), worldwide excluding coverage either including or excluding USA. Customers also get nursing care, full accommodation on a private room basis for inpatient and day patient treatment and recovery room including emergency treatment, full hospital charges for operating theatre, prescribed medicines, drugs and dressings and surgeons’ and anesthetists’ fees on an inpatient and day patient basis, full specialists’ fees, AED 200 (USD 56) companion accommodation per night, full hospital accommodation for a parent or legal guardian (per night), full transplant services, full kidney dialysis, full diagnostic tests, full advanced medical imaging, full rehabilitation, full home nursing, full physiotherapy, full local road or air ambulance, full palliative care, full internal prosthetic devices/ surgical and medical appliances, full external prosthetic devices/ surgical and medical appliances, AED 900 (USD 250) nightly inpatient cash benefit, full emergency dental treatment, full emergency mental health care, AED 7,500 (USD 2,000) non-emergency mental health care, full cancer care, AED 66,000 (USD 180,000) with 20% co-pay for preventative cancer surgery, AED 7,000 (USD 1,900) routine maternity, childbirth and elective caesarean, AED 10,000 (USD 2,700) for non-elective caesarian, full cover for maternity complications, AED 150,000 (USD 41,000) newborn care, AED 150,000 birth defects, two co-pay options, full consultation with specialists, full surgeons’ and anesthetists’ fees, full outpatient maternity, full kidney dialysis, full advance medical imaging, all physiotherapy appointments, all osteopathic/chiropractic appointments, full acupuncture, full emergency dental, all speech therapy, all prescribed drugs and dressings, full durable equipment rental, full adult vaccinations, full well child tests, full child vaccinations, full routine child tests, AED 1,650 routine adult physical exam, full cancer and hepatitis C screening, full hearing loss treatment, full hearing and vision aids, AED 1,650 preventative dental treatment, full medical evacuation/repatriation, full repatriation of mortal remains, AED 4,500 travel for compassionate visits (5 per lifetime), and AED 750 compassionate visit living allowance (max 10 days).
Cigna offers five optional health insurance modules in addition to their basic packages, each of which fits into the Regional, International and International Plus packages:
A Wellness module that includes enhanced physical examinations, screenings and tests, as well as homeopathy, Ayurveda or Chinese medicine, dietetic consultations, and a life management assistance program.
The Dental care module includes an enhanced annual benefit, preventative dental treatment, routine dental treatment, and orthodontic treatment.
The Vision care module includes routine eye examinations, and expenses for spectacle lenses and frames, contact lenses, prescription sunglasses when prescribed by an optometrist or ophthalmologist.
A return home cash benefit.
The Mother and Baby module includes routine maternity, childbirth and elective caesarean, medically necessary caesarian, non life-threatening complications arising from maternity and childbirth, homebirths, newborn care, non-life threatening congenital conditions and birth defects, and outpatient maternity.
Value added extras
Everyone who buys Cigna health insurance can download the Cigna Wellbeing App for free (Apple and Android). The app allows you to have real time video and telephone consultations with doctors, wherever you are in the world, you can also learn more about your health by filling in Cigna Health Assessments, there are a wide variety of Health and Lifestyle programs that provide health and fitness advice, you can track important health measurements such as BMI, cholesterol, blood sugar and blood pressure. The app supports you in managing long-term health conditions such as cardiovascular disease and diabetes, and has an extensive library of articles on wellness, health facts, and healthy recipes.
Cigna also offers a network of 1.5 million healthcare professionals, which provides access to doctors in more than 200 countries, 240 legal experts in 15 countries, and 10 global service centers.
How to make a claim
The best way to make a claim with Cigna is to preauthorize your treatment. That means contacting the company by phone or email and checking that the treatment and healthcare provider are both covered by Cigna. They will find a nearby clinic or hospital and, where possible, arrange direct payment, which means Cigna will pay the provider directly. Once you have preauthorized your treatment, you can be assured that your bill will be covered.
Alternatively – and especially in emergency cases –get your treatment and then submit a claim and invoice within 48-hours.
Either way, call the Cigna Customer Care Team on +44 (0) 1475 788182 (or 800 835 7677 from the US).
To claim costs you will need to fill in either a medical and vision claim form, or a dental claim form.
Note: customers don’t need to send a claim form if they provide confirmation of their diagnosis or explanation of treatment.
To speed your diagnosis:
- Tell Cigna how and where you want your refund issued
- Fax or email your invoice and claim, including scanned copies, instead of posting them
- Clearly state your policy number on any documentation you submit
You can either go to the Cigna Envoy web portal, or email you claim form(s) to [email protected] or fax to: +44 (0) 1475 492113
Alternatively, post it to:
Customer Care Team,
Cigna Global Health Options,
Customer service
1 Knowe Road
Greenock
Scotland
PA15 4RJ
FAQS
I am just moving to the UAE, can Cigna help?
Cigna have a free moving to Dubai guide that will help you navigate legal and health aspects of living in the most populous city in the emirates.
Which healthcare providers do Cigna customers have access to?
Different Cigna healthcare plans have access to different healthcare providers. Download the Cigna Healthcare UAE Network Tier Comparison document to see which network tier is eligible for which healthcare providers.
If you cannot find a specific medical facility in the document, contact Cigna directly, either at [email protected] or call 800 444 999 (inside the UAE) or 00971 4 512 7198 (outside the UAE).
I’m feeling stressed out, can Cigna help?
Yes, Cigna have a number of resources to help you deal with stress and anxiety on their Cigna Wellness App. You can also claim for both emergency and non-emergency mental health care some standard health plans, and the Wellness module allows you to claim for appointments with holistic practitioners.