Question 1

Which is better, Cigna or RAK Insurance?

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. RAK Insurance has 3,552 providers across 8 cities with 2 plans from AED 2,000/yr. Choose Cigna if you need a larger provider network, more plan tiers to choose from, more comprehensive coverage options. Choose RAK Insurance if you prioritise lower entry-level premiums.

Question 2

Is Cigna cheaper than RAK Insurance?

Accepted Answer

No, RAK Insurance's entry-level plan starts from AED 2,000/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 RAK Insurance?

Accepted Answer

Cigna has a larger Dubai network with 4,984 providers, compared to RAK Insurance's 1,375 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Cigna or RAK Insurance 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 RAK Insurance offers up to AED 2,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Cigna to RAK Insurance?

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 RAK Insurance (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 RAK Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Cigna and RAK Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Cigna and RAK Insurance side-by-side. Key factors to compare: (1) Annual premium — Cigna starts from AED 3,500/yr, RAK Insurance from AED 2,000/yr, (2) Network size — 9,074 vs 3,552 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	RAK Insurance
Type	private	private
Founded	1982	1974
Headquarters	Dubai	Ras Al Khaimah
Regulators	DHA, HAAD, MOHAP	MOHAP
Number of Plans	3	2
Premium Range	AED 3,500 – 40,000	AED 2,000 – 8,500
Total Network Size	9,074	3,552
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	07-228-8444

City	Cigna	vs	RAK Insurance
Dubai	4,984	vs	1,375
Abu Dhabi	2,123	vs	618
Sharjah	965	vs	585
Al Ain	396	vs	186
Ras Al Khaimah	193	vs	365
Ajman	260	vs	238
Fujairah	119	vs	146
Umm Al Quwain	34	vs	39

Cigna vs RAK Insurance

Cigna

RAK Insurance

Cigna vs RAK Insurance — At a Glance

Network Comparison by City

Cigna Plans

Cigna Essential Care

Cigna Global Health Options

Cigna Global Health Platinum

RAK Insurance Plans

RAK Basic Health

RAK Enhanced Health

Verdict

Cigna vs RAK Insurance — FAQ

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