Cigna vs Noor Takaful
UAE Health Insurance Comparison 2026
Cigna
private8,960 providers
3 plans
Est. 1982
DHA, HAAD, MOHAP regulated
Noor Takaful
private5,022 providers
2 plans
Est. 2009
DHA, HAAD regulated
Cigna has 3 plans starting from AED 3,500/yr with 8,960 providers across 8 cities. Noor Takaful has 2 plans starting from AED 2,600/yr with 5,022 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Cigna vs Noor Takaful — At a Glance
| Attribute | Cigna | Noor Takaful |
|---|---|---|
| Type | private | private |
| Founded | 1982 | 2009 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA, HAAD, MOHAP | DHA, HAAD |
| Number of Plans | 3 | 2 |
| Premium Range | AED 3,500 – 40,000 | AED 2,600 – 11,000 |
| Total Network Size | 8,960 | 5,022 |
| 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 | 800-6667 |
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 | Noor Takaful |
|---|---|---|---|
| Dubai | 4,900 | vs | 2,779 |
| Abu Dhabi | 2,121 | vs | 991 |
| Sharjah | 958 | vs | 748 |
| Al Ain | 389 | vs | 202 |
| Ajman | 257 | vs | 134 |
| Ras Al Khaimah | 184 | vs | 89 |
| Fujairah | 117 | vs | 64 |
| 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
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 →Noor Takaful Plans
Noor Takaful
Noor Basic Takaful Health
SMEs in Dubai and Abu Dhabi seeking Sharia-compliant health coverage
AED 2,600 – 4,600/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
5,022 providers
View details →Noor Takaful
Noor Enhanced Takaful Health
Corporate employees and families wanting Takaful enhanced cover
AED 5,500 – 11,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
5,022 providers
View details →Verdict
Choose Cigna if you need a larger provider network, more plan tiers to choose from, more comprehensive coverage options. Choose Noor Takaful 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 Noor Takaful — FAQ
Which is better, Cigna or Noor Takaful?
It depends on your needs. Cigna has 8,960 providers across 8 cities and offers 3 plans starting from AED 3,500/yr. Noor Takaful has 5,022 providers across 8 cities with 2 plans from AED 2,600/yr. Choose Cigna if you need a larger provider network, more plan tiers to choose from, more comprehensive coverage options. Choose Noor Takaful if you prioritise lower entry-level premiums.
Is Cigna cheaper than Noor Takaful?
No, Noor Takaful's entry-level plan starts from AED 2,600/yr, while Cigna's cheapest plan begins at AED 3,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Cigna or Noor Takaful?
Cigna has a larger Dubai network with 4,900 providers, compared to Noor Takaful's 2,779 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Cigna or Noor Takaful cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Cigna's dental sub-limit goes up to AED 15,000/yr, while Noor Takaful offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Cigna to Noor Takaful?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Cigna to Noor Takaful (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 Cigna and Noor Takaful have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Cigna and Noor Takaful plans?
Use the UAE Health Insurance Navigator on this page to compare Cigna and Noor Takaful side-by-side. Key factors to compare: (1) Annual premium — Cigna starts from AED 3,500/yr, Noor Takaful from AED 2,600/yr, (2) Network size — 8,960 vs 5,022 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.
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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 Noor Takaful or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.