Cigna vs Now Health International

It depends on your needs. Cigna has 8,805 providers across 8 cities and offers 3 plans starting from AED 3,500/yr. Now Health International has 3,340 providers across 8 cities with 2 plans from AED 5,500/yr. Choose Cigna if you need a larger provider network, lower entry-level premiums, more plan tiers to choose from, more comprehensive coverage options. Choose Now Health International if you prioritise strong coverage and established reputation.

Yes, Cigna's entry-level plan starts from AED 3,500/yr, compared to Now Health International's cheapest plan at AED 5,500/yr. However, plan pricing varies by age, nationality, visa type, and employer. Enhanced and premium tiers may differ. Always obtain a personalised quote from each insurer.

Cigna has a larger Dubai network with 4,798 providers, compared to Now Health International's 2,391 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Both insurers offer dental coverage on their enhanced and premium plans. Cigna's dental sub-limit goes up to AED 15,000/yr, while Now Health International offers up to AED 7,500/yr. Basic plans from both insurers typically exclude dental.

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Cigna to Now Health International (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 Now Health International have dedicated claims and onboarding teams to facilitate the transition.

Use the UAE Health Insurance Navigator on this page to compare Cigna and Now Health International side-by-side. Key factors to compare: (1) Annual premium — Cigna starts from AED 3,500/yr, Now Health International from AED 5,500/yr, (2) Network size — 8,805 vs 3,340 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.