Question 1

Which is better, Allianz Care or Cigna?

Accepted Answer

It depends on your needs. Allianz Care has 7,667 providers across 8 cities and offers 2 plans starting from AED 6,500/yr. Cigna has 9,074 providers across 8 cities with 3 plans from AED 3,500/yr. Choose Allianz Care if you need strong coverage and established reputation. Choose Cigna if you prioritise a larger provider network, lower entry-level premiums, more plan tiers to choose from, more comprehensive coverage options.

Question 2

Is Allianz Care cheaper than Cigna?

Accepted Answer

No, Cigna's entry-level plan starts from AED 3,500/yr, while Allianz Care's cheapest plan begins at AED 6,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

Which has a bigger network in Dubai, Allianz Care or Cigna?

Accepted Answer

Cigna has a larger Dubai network with 4,984 providers, compared to Allianz Care's 4,573 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Allianz Care or Cigna cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Allianz Care's dental sub-limit goes up to AED 10,000/yr, while Cigna offers up to AED 15,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Allianz Care 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 Allianz Care 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 Allianz Care and Cigna have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Allianz Care and Cigna plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Allianz Care and Cigna side-by-side. Key factors to compare: (1) Annual premium — Allianz Care starts from AED 6,500/yr, Cigna from AED 3,500/yr, (2) Network size — 7,667 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	Allianz Care	Cigna
Type	private	private
Founded	1890	1982
Headquarters	Dubai (ME office)	Dubai
Regulators	DHA, HAAD, MOHAP	DHA, HAAD, MOHAP
Number of Plans	2	3
Premium Range	AED 6,500 – 32,000	AED 3,500 – 40,000
Total Network Size	7,667	9,074
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	Yes	Yes
Co-pay Range	0% – 20%	0% – 20%
Claims Phone	800-255426	800-244627

City	Allianz Care	vs	Cigna
Dubai	4,573	vs	4,984
Abu Dhabi	1,765	vs	2,123
Sharjah	570	vs	965
Al Ain	316	vs	396
Ajman	180	vs	260
Ras Al Khaimah	137	vs	193
Fujairah	94	vs	119
Umm Al Quwain	32	vs	34

Allianz Care vs Cigna

Allianz Care

Cigna

Allianz Care vs Cigna — At a Glance

Network Comparison by City

Allianz Care Plans

Allianz MyHealth Standard

Allianz MyHealth Premium

Cigna Plans

Cigna Essential Care

Cigna Global Health Options

Cigna Global Health Platinum

Verdict

Allianz Care vs Cigna — FAQ

Related Comparisons