Allianz Care vs Cigna
UAE Health Insurance Comparison 2026
Allianz Care
private7,562 providers
2 plans
Est. 1890
DHA, HAAD, MOHAP regulated
Cigna
private8,960 providers
3 plans
Est. 1982
DHA, HAAD, MOHAP regulated
Allianz Care has 2 plans starting from AED 6,500/yr with 7,562 providers across 8 cities. Cigna has 3 plans starting from AED 3,500/yr with 8,960 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Allianz Care vs Cigna — At a Glance
| 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 | 7,562 | 8,960 |
| 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 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Allianz Care | vs | Cigna |
|---|---|---|---|
| Dubai | 4,491 | vs | 4,900 |
| Abu Dhabi | 1,763 | vs | 2,121 |
| Sharjah | 568 | vs | 958 |
| Al Ain | 309 | vs | 389 |
| Ajman | 178 | vs | 257 |
| Ras Al Khaimah | 130 | vs | 184 |
| Fujairah | 92 | vs | 117 |
| Umm Al Quwain | 31 | vs | 34 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Allianz Care Plans
Allianz Care
Allianz MyHealth Standard
Expat professionals and families
AED 6,500 – 14,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
7,562 providers
View details →Allianz Care
Allianz MyHealth Premium
Senior executives and high-net-worth expats
AED 18,000 – 32,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
7,562 providers
View details →Cigna 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
8,960 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
8,960 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
8,960 providers
View details →Verdict
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. Both are established insurers in the UAE market. The best choice depends on your employer's plan options, budget, required coverage, and preferred hospital network in your city.
Allianz Care vs Cigna — FAQ
Which is better, Allianz Care or Cigna?
It depends on your needs. Allianz Care has 7,562 providers across 8 cities and offers 2 plans starting from AED 6,500/yr. Cigna has 8,960 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.
Is Allianz Care cheaper than Cigna?
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.
Which has a bigger network in Dubai, Allianz Care or Cigna?
Cigna has a larger Dubai network with 4,900 providers, compared to Allianz Care's 4,491 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Allianz Care or Cigna cover dental?
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.
Can I switch from Allianz Care to Cigna?
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.
How do I compare Allianz Care and Cigna plans?
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 — 7,562 vs 8,960 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.
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Allianz Care and Cigna or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.