Question 1

Which is better, Alliance Insurance or Cigna?

Accepted Answer

It depends on your needs. Alliance Insurance has 4,748 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Cigna has 9,074 providers across 8 cities with 3 plans from AED 3,500/yr. Choose Alliance Insurance if you need lower entry-level premiums. Choose Cigna if you prioritise a larger provider network, more plan tiers to choose from, more comprehensive coverage options.

Question 2

Is Alliance Insurance cheaper than Cigna?

Accepted Answer

Yes, Alliance Insurance's entry-level plan starts from AED 2,500/yr, compared to Cigna's cheapest plan at AED 3,500/yr. However, plan pricing varies by age, nationality, visa type, and employer. Enhanced and premium tiers may differ. Always obtain a personalised quote from each insurer.

Question 3

Which has a bigger network in Dubai, Alliance Insurance or Cigna?

Accepted Answer

Cigna has a larger Dubai network with 4,984 providers, compared to Alliance Insurance's 2,941 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Alliance Insurance or Cigna cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Alliance Insurance's dental sub-limit goes up to AED 3,500/yr, while Cigna offers up to AED 15,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Alliance Insurance to Cigna?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Alliance Insurance to Cigna (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both Alliance Insurance and Cigna have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Alliance Insurance and Cigna plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Alliance Insurance and Cigna side-by-side. Key factors to compare: (1) Annual premium — Alliance Insurance starts from AED 2,500/yr, Cigna from AED 3,500/yr, (2) Network size — 4,748 vs 9,074 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.

Attribute	Alliance Insurance	Cigna
Type	private	private
Founded	1975	1982
Headquarters	Dubai	Dubai
Regulators	DHA	DHA, HAAD, MOHAP
Number of Plans	2	3
Premium Range	AED 2,500 – 11,500	AED 3,500 – 40,000
Total Network Size	4,748	9,074
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	No	Yes
Co-pay Range	20%	0% – 20%
Claims Phone	04-263-2222	800-244627

City	Alliance Insurance	vs	Cigna
Dubai	2,941	vs	4,984
Abu Dhabi	599	vs	2,123
Sharjah	721	vs	965
Al Ain	183	vs	396
Ajman	140	vs	260
Ras Al Khaimah	90	vs	193
Fujairah	56	vs	119
Umm Al Quwain	18	vs	34

Alliance Insurance vs Cigna

Alliance Insurance

Cigna

Alliance Insurance vs Cigna — At a Glance

Network Comparison by City

Alliance Insurance Plans

Alliance Basic Health

Alliance Corporate Health

Cigna Plans

Cigna Essential Care

Cigna Global Health Options

Cigna Global Health Platinum

Verdict

Alliance Insurance vs Cigna — FAQ

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