Cigna vs Fidelity United Insurance
UAE Health Insurance Comparison 2026
Cigna
private9,074 providers
3 plans
Est. 1982
DHA, HAAD, MOHAP regulated
Fidelity United Insurance
private5,583 providers
2 plans
Est. 1976
DHA regulated
Cigna has 3 plans starting from AED 3,500/yr with 9,074 providers across 8 cities. Fidelity United Insurance has 2 plans starting from AED 2,300/yr with 5,583 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Cigna vs Fidelity United Insurance — At a Glance
| Attribute | Cigna | Fidelity United Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1982 | 1976 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA, HAAD, MOHAP | DHA |
| Number of Plans | 3 | 2 |
| Premium Range | AED 3,500 – 40,000 | AED 2,300 – 10,500 |
| Total Network Size | 9,074 | 5,583 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | Yes | No |
| Co-pay Range | 0% – 20% | 20% |
| Claims Phone | 800-244627 | 04-263-2444 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Cigna | vs | Fidelity United Insurance |
|---|---|---|---|
| Dubai | 4,984 | vs | 3,434 |
| Abu Dhabi | 2,123 | vs | 686 |
| Sharjah | 965 | vs | 829 |
| Al Ain | 396 | vs | 219 |
| Ajman | 260 | vs | 244 |
| Ras Al Khaimah | 193 | vs | 95 |
| Fujairah | 119 | vs | 61 |
| Umm Al Quwain | 34 | vs | 15 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
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
9,074 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
9,074 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
9,074 providers
View details →Fidelity United Insurance Plans
Fidelity United Insurance
Fidelity Basic Health
Small businesses in Dubai meeting DHA mandatory requirements
AED 2,300 – 4,200/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
5,583 providers
View details →Fidelity United Insurance
Fidelity Corporate Health
Corporate employees in Dubai
AED 5,000 – 10,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,583 providers
View details →Verdict
Choose Cigna if you need a larger provider network, more plan tiers to choose from, more comprehensive coverage options. Choose Fidelity United Insurance if you prioritise lower entry-level premiums. 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.
Cigna vs Fidelity United Insurance — FAQ
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Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Cigna and Fidelity United Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.