Question 1

Which is better, Cigna or Takaful Emarat?

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. Takaful Emarat has 8,040 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Cigna if you need a larger provider network, more plan tiers to choose from, more comprehensive coverage options. Choose Takaful Emarat if you prioritise lower entry-level premiums.

Question 2

Is Cigna cheaper than Takaful Emarat?

Accepted Answer

No, Takaful Emarat's entry-level plan starts from AED 2,500/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 Takaful Emarat?

Accepted Answer

Cigna has a larger Dubai network with 4,984 providers, compared to Takaful Emarat's 4,174 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Cigna or Takaful Emarat 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 Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Cigna to Takaful Emarat?

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 Takaful Emarat (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 Takaful Emarat have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Cigna and Takaful Emarat plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Cigna and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — Cigna starts from AED 3,500/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 9,074 vs 8,040 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	Takaful Emarat
Type	private	private
Founded	1982	2008
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD, MOHAP	DHA, HAAD, MOHAP
Number of Plans	3	2
Premium Range	AED 3,500 – 40,000	AED 2,500 – 12,000
Total Network Size	9,074	8,040
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	800-825235

City	Cigna	vs	Takaful Emarat
Dubai	4,984	vs	4,174
Abu Dhabi	2,123	vs	1,628
Sharjah	965	vs	1,238
Al Ain	396	vs	332
Ajman	260	vs	411
Ras Al Khaimah	193	vs	160
Fujairah	119	vs	74
Umm Al Quwain	34	vs	23

Cigna vs Takaful Emarat

Cigna

Takaful Emarat

Cigna vs Takaful Emarat — At a Glance

Network Comparison by City

Cigna Plans

Cigna Essential Care

Cigna Global Health Options

Cigna Global Health Platinum

Takaful Emarat Plans

Takaful Emarat Basic Takaful

Takaful Emarat Enhanced Takaful

Verdict

Cigna vs Takaful Emarat — FAQ

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