Cigna vs National General Insurance
UAE Health Insurance Comparison 2026
Cigna
private9,074 providers
3 plans
Est. 1982
DHA, HAAD, MOHAP regulated
National General Insurance
private5,012 providers
2 plans
Est. 1980
DHA, HAAD regulated
Cigna has 3 plans starting from AED 3,500/yr with 9,074 providers across 8 cities. National General Insurance has 2 plans starting from AED 2,000/yr with 5,012 providers across 8 cities. Cigna is strongest in Dubai while National General Insurance has the most providers in Abu Dhabi.
Cigna vs National General Insurance — At a Glance
| Attribute | Cigna | National General Insurance |
|---|---|---|
| Type | private | private |
| Founded | 1982 | 1980 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA, HAAD, MOHAP | DHA, HAAD |
| Number of Plans | 3 | 2 |
| Premium Range | AED 3,500 – 40,000 | AED 2,000 – 9,000 |
| Total Network Size | 9,074 | 5,012 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | No |
| Maternity | Yes | Yes |
| Mental Health | Yes | No |
| International | Yes | No |
| Co-pay Range | 0% – 20% | 20% |
| Claims Phone | 800-244627 | 02-619-1100 |
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 | National General Insurance |
|---|---|---|---|
| Dubai | 4,984 | vs | 1,776 |
| Abu Dhabi | 2,123 | vs | 1,811 |
| Sharjah | 965 | vs | 589 |
| Al Ain | 396 | vs | 482 |
| Ajman | 260 | vs | 160 |
| Ras Al Khaimah | 193 | vs | 109 |
| Fujairah | 119 | vs | 62 |
| Umm Al Quwain | 34 | vs | 23 |
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 →National General Insurance Plans
National General Insurance
NGI Basic Health
Blue-collar and mid-level employees in Abu Dhabi
AED 2,000 – 3,800/yr
Annual limit: AED 200,000 · shared room · 20% co-pay
5,012 providers
View details →National General Insurance
NGI Enhanced Health
White-collar employees and families in Abu Dhabi
AED 4,500 – 9,000/yr
Annual limit: AED 400,000 · semi-private room · 20% co-pay
5,012 providers
View details →Verdict
Choose Cigna if you need a larger provider network, more plan tiers to choose from, more comprehensive coverage options. Choose National General 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 National General 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 National General Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.