UAE insurer profile
Cigna
Est. 1982 · Dubai · DHA, DOH, MOHAP regulated
8,805 healthcare providers in 8 UAE cities list Cigna as an accepted insurer in the UAE Open Healthcare Directory. The plan tiers and premiums below are indicative figures compiled by Zavis, not Cigna's published plan list or prices: confirm cover and price with Cigna or an authorised broker. The network counts come from insurer lists on Zavis listings that are not yet confirmed against Cigna's network list; confirm with Cigna before a visit. How Zavis sources data.
At a glance
Key facts.
- Part of The Cigna Group — Fortune 500 company
- Strong international network for global coverage
- Popular with expat families and multinational corporations
- Telehealth services included in most plans
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Cigna Essential Care | Basic | AED 3,500 – 6,000/yr | AED 250,000 | 20% | — | — |
| Cigna Global Health Options | Enhanced | AED 8,000 – 16,000/yr | AED 1.0M | 10% | ✓ | ✓ |
| Cigna Global Health Platinum | Premium | AED 20,000 – 40,000/yr | Unlimited | 0% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
Cigna
Cigna Essential Care
Individuals and small businesses meeting UAE mandatory requirements
AED 3,500 – 6,000/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
8,805 providers
View details →Cigna
Cigna Global Health Options
Expat professionals and families wanting flexible global-local coverage
AED 8,000 – 16,000/yr
Annual limit: AED 1.0M · semi-private room · 10% co-pay
8,805 providers
View details →Cigna
Cigna Global Health Platinum
C-suite executives and high-net-worth families
AED 20,000 – 40,000/yr
Annual limit: Unlimited · private room · 0% co-pay
8,805 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Cigna.
Direct billing. Present your Cigna insurance card at any in-network provider. The clinic or hospital bills Cigna directly — you pay only your applicable co-pay (20%–0% outpatient) at the point of care. No paperwork required.
Reimbursement claims. For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via cigna-me.com or call 800-244627. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Cigna at least 48 hours in advance.
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Top clinics accepting Cigna.
Curated rankings by city and specialty — all providers accepting Cigna insurance, ranked by patient ratings.
Compare Cigna with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About Cigna.
Cigna Insurance — FAQ
What health insurance plans does Cigna offer in the UAE?
This page summarises 3 indicative Cigna plan tiers compiled by Zavis (Cigna Essential Care, Cigna Global Health Options, Cigna Global Health Platinum), with indicative annual premiums from AED 3,500 – 6,000/yr to AED 20,000 – 40,000/yr. They are not Cigna's published plan list or prices, so ask Cigna or an authorised broker for its current plans and a quote.
How many healthcare providers accept Cigna insurance?
8,805 healthcare providers in 8 UAE cities list Cigna as an accepted insurer in the UAE Open Healthcare Directory. Network counts come from the insurance lists on each listing, so confirm with the provider that your plan tier is accepted before you book.
Does Cigna cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Cigna's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 6 to 12 months.
Is Cigna compliant with Dubai and Abu Dhabi health insurance rules?
Cigna is regulated by DHA and DOH and MOHAP. Its plans sold in Dubai must meet the Essential Benefits Package required for Dubai residents and workers. Oversight in Abu Dhabi means its plans there must meet the emirate's mandatory Thiqa and basic scheme requirements. Federal registration covers its plans in the Northern Emirates.
How do I file a claim with Cigna?
To file a claim with Cigna, call their claims line at 800-244627. For direct billing, simply present your Cigna insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via cigna-me.com or by post to their Dubai office.
What is the cheapest Cigna plan?
The most affordable Cigna plan is the Cigna Essential Care (Basic tier), starting from AED 3,500 – 6,000/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 250,000.
Does Cigna have a mobile app for claims?
Cigna offers digital claims submission through their member portal at cigna-me.com. Most major UAE insurers, including Cigna, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the Cigna app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from Cigna or an authorised broker. Provider network counts come from the insurance lists on UAE Open Healthcare Directory listings.