Question 1

Which is better, Cigna or Noor Takaful?

Accepted Answer

It depends on your needs. Cigna has 9,074 providers across 8 cities and offers 3 plans starting from AED 3,500/yr. Noor Takaful has 5,097 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.

Question 2

Is Cigna cheaper than Noor Takaful?

Accepted Answer

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.

Question 3

Which has a bigger network in Dubai, Cigna or Noor Takaful?

Accepted Answer

Cigna has a larger Dubai network with 4,984 providers, compared to Noor Takaful's 2,831 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Cigna or Noor Takaful cover dental?

Accepted Answer

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.

Question 5

Can I switch from Cigna to Noor Takaful?

Accepted Answer

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.

Question 6

How do I compare Cigna and Noor Takaful plans?

Accepted Answer

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 — 9,074 vs 5,097 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	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	9,074	5,097
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

City	Cigna	vs	Noor Takaful
Dubai	4,984	vs	2,831
Abu Dhabi	2,123	vs	991
Sharjah	965	vs	757
Al Ain	396	vs	206
Ajman	260	vs	136
Ras Al Khaimah	193	vs	95
Fujairah	119	vs	66
Umm Al Quwain	34	vs	15

Cigna vs Noor Takaful

Cigna

Noor Takaful

Cigna vs Noor Takaful — At a Glance

Network Comparison by City

Cigna Plans

Cigna Essential Care

Cigna Global Health Options

Cigna Global Health Platinum

Noor Takaful Plans

Noor Basic Takaful Health

Noor Enhanced Takaful Health

Verdict

Cigna vs Noor Takaful — FAQ

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