Question 1

Which is better, Cigna or Union 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. Union Insurance has 6,349 providers across 8 cities with 2 plans from AED 2,300/yr. Choose Cigna if you need a larger provider network, more plan tiers to choose from, more comprehensive coverage options. Choose Union Insurance if you prioritise lower entry-level premiums.

Question 2

Is Cigna cheaper than Union Insurance?

Accepted Answer

No, Union Insurance's entry-level plan starts from AED 2,300/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 Union Insurance?

Accepted Answer

Cigna has a larger Dubai network with 4,984 providers, compared to Union Insurance's 3,229 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Cigna or Union 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 Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Cigna to Union 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 Union 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 Union Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Cigna and Union Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Cigna and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — Cigna starts from AED 3,500/yr, Union Insurance from AED 2,300/yr, (2) Network size — 9,074 vs 6,349 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	Union Insurance
Type	private	private
Founded	1982	1998
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD, MOHAP	HAAD, DHA
Number of Plans	3	2
Premium Range	AED 3,500 – 40,000	AED 2,300 – 10,500
Total Network Size	9,074	6,349
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	02-677-5050

City	Cigna	vs	Union Insurance
Dubai	4,984	vs	3,229
Abu Dhabi	2,123	vs	1,646
Sharjah	965	vs	838
Al Ain	396	vs	237
Ajman	260	vs	162
Ras Al Khaimah	193	vs	133
Fujairah	119	vs	77
Umm Al Quwain	34	vs	27

Cigna vs Union Insurance

Cigna

Union Insurance

Cigna vs Union Insurance — At a Glance

Network Comparison by City

Cigna Plans

Cigna Essential Care

Cigna Global Health Options

Cigna Global Health Platinum

Union Insurance Plans

Union Basic Health

Union Enhanced Health

Verdict

Cigna vs Union Insurance — FAQ

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