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UAE Specialised Health Plan Optional Benefits

In addition to the core medical cover with Cigna Healthguard℠, we give you the option to enhance your plan by adding additional benefits.

Healthy Connect module

Our Healthy Connect module has a wide range of benefits that will help you take control and pro-actively manage the health and well-being of you and your family.

As an added extra, our Healthy Connect module also includes a return home cash benefit, making it possible to return home if needed for medically necessary inpatient or daypatient treatment. This means you will be surrounded by family members close by, for those beneficiaries whose country of nationality is not the UAE.

Healthy Connect cannot be purchased on its own and is applicable to all beneficiaries.

The benefits include:

  • Enhanced health screenings, tests, and physical exam
  • Confidential counselling sessions and an online cognitive behavioural therapy (CBT) programme via our Life Management Assistance Programme
  • Comprehensive dental treatment
  • Eye examination

Healthy Connect module details

Enhanced adult physical examinationRegionalInternationalInternational Plus

AED 1,500 ($400)

AED 2,000 ($550)

AED 3,500 ($1,000)

Screening and testsRegionalInternationalInternational Plus

AED 2,750 ($750)

AED 5,500 ($1,500)

AED 11,000 ($3,000)

Homeopathy, Ayurveda and Chinese medicineRegionalInternationalInternational Plus

AED 3,500 ($1,000)

Paid in full

Paid in full

Dietetic consultationsRegionalInternationalInternational Plus

AED 1,500 ($400)

AED 2,000 ($550)

Paid in full

Life management assistance programmeRegionalInternationalInternational Plus

Paid in full

Paid in full

Paid in full

Enhanced adult physical examination
    Regional
    • AED 1,500 ($400)

    International
    • AED 2,000 ($550)

    International Plus
    • AED 3,500 ($1,000)

    Screening and tests
      Regional
      • AED 2,750 ($750)

      International
      • AED 5,500 ($1,500)

      International Plus
      • AED 11,000 ($3,000)

      Homeopathy, Ayurveda and Chinese medicine
        Regional
        • AED 3,500 ($1,000)

        International
        • Paid in full

        International Plus
        • Paid in full

        Dietetic consultations
          Regional
          • AED 1,500 ($400)

          International
          • AED 2,000 ($550)

          International Plus
          • Paid in full

          Life management assistance programme
            Regional
            • Paid in full

            International
            • Paid in full

            International Plus
            • Paid in full

            Annual benefit - maximum per beneficiary per period of coverRegionalInternationalInternational Plus

            AED 4,500 ($1,250)

            AED 11,000 ($3,000)

            AED 24,000 ($6,550)

            Preventative dental treatmentRegionalInternationalInternational Plus

            No waiting period applies

            Paid in full

            Paid in full

            Paid in full

            Routine dental treatmentRegionalInternationalInternational Plus

            After the beneficiary has been covered on the Healthy Connect module for 3 months

            Paid in full

            Paid in full

            Paid in full

            Major restorative dental treatmentRegionalInternationalInternational Plus

            After the beneficiary has been covered on the Healthy Connect module for 12 months

            Paid in full 20% Co-Pay applies

            Paid in full 20% Co-Pay applies

            Paid in full 20% Co-Pay applies

            Orthodontic treatmentRegionalInternationalInternational Plus

            After the beneficiary has been covered on the Healthy Connect module for 18 months

            Not covered

            Paid in full 50% Co-Pay applies

            Paid in full 50% Co-Pay applies

            Annual benefit - maximum per beneficiary per period of cover
              Regional
              • AED 4,500 ($1,250)

              International
              • AED 11,000 ($3,000)

              International Plus
              • AED 24,000 ($6,550)

              Preventative dental treatment

                No waiting period applies

              Regional
              • Paid in full

              International
              • Paid in full

              International Plus
              • Paid in full

              Routine dental treatment

                After the beneficiary has been covered on the Healthy Connect module for 3 months

              Regional
              • Paid in full

              International
              • Paid in full

              International Plus
              • Paid in full

              Major restorative dental treatment

                After the beneficiary has been covered on the Healthy Connect module for 12 months

              Regional
              • Paid in full 20% Co-Pay applies

              International
              • Paid in full 20% Co-Pay applies

              International Plus
              • Paid in full 20% Co-Pay applies

              Orthodontic treatment

                After the beneficiary has been covered on the Healthy Connect module for 18 months

              Regional
              • Not covered

              International
              • Paid in full 50% Co-Pay applies

              International Plus
              • Paid in full 50% Co-Pay applies

              Routine eye examinationRegionalInternationalInternational Plus

              Paid in full

              Paid in full

              Paid in full

              Expenses for:RegionalInternationalInternational Plus
              • Spectacle lenses;
              • Contact lenses;
              • Spectacle frames;
              • Prescription sunglasses;

              when all are prescribed by an optometrist or ophthalmologist

              AED 600 ($150)

              AED 900 ($250)

              AED 2,000 ($550)

              Routine eye examination
                Regional
                • Paid in full

                International
                • Paid in full

                International Plus
                • Paid in full

                Expenses for:

                  • Spectacle lenses;
                  • Contact lenses;
                  • Spectacle frames;
                  • Prescription sunglasses;

                  when all are prescribed by an optometrist or ophthalmologist

                Regional
                • AED 600 ($150)

                International
                • AED 900 ($250)

                International Plus
                • AED 2,000 ($550)

                Return home cash benefitRegionalInternationalInternational Plus

                AED 900 ($250)

                AED 3,000 ($800)

                AED 5,500 ($1,500)

                Return home cash benefit
                  Regional
                  • AED 900 ($250)

                  International
                  • AED 3,000 ($800)

                  International Plus
                  • AED 5,500 ($1,500)

                  Mother and Baby Care module

                  Our Mother and Baby Care module will provide you with enhanced cover during and after pregnancy.

                  This cover is much more comprehensive in comparison to the standard Dubai Health Authority (DHA) maternity benefits for the expectant mother.

                  This module cannot be purchased on its own and is only available to eligible females on the policy, aged between eighteen (18) and forty-three (43) years old.

                  This includes coverage for:

                  • Pre and post-natal tests and examinations
                  • Routine maternity and homebirths
                  • Medically necessary caesarean
                  • New born care and non-life threatening congenital conditions and birth defects

                  Mother and Baby Care module details

                  Routine maternity, childbirth and elective caesareanRegionalInternationalInternational Plus

                  After the mother has been covered on the Mother and Baby Care module for 12 months
                  10% mandatory Co-Pay applies

                  AED 18,000 ($5,000)

                  AED 25,500 ($7,000)

                  AED 51,500 ($14,000)

                  Medically necessary caesareanRegionalInternationalInternational Plus

                  After the mother has been covered on the Mother and Baby Care module for 12 months
                  10% mandatory Co-Pay applies

                  AED 18,000 ($5,000)

                  AED 36,500 ($10,000)

                  AED 73,500 ($20,000)

                  Complications arising from maternity and childbirth (non-life threatening)RegionalInternationalInternational plus

                  After the mother has been covered on the Mother and Baby Care module for 12 months
                  10% mandatory Co-Pay applies

                  AED 150,000 ($41,000)

                  AED 150,000 ($41,000)

                  AED 150,000 ($41,000)

                  HomebirthsRegionalInternationalInternational Plus

                  After the mother has been covered on the Mother and Baby Care module for 12 months

                  AED 1,000 ($270)

                  AED 2,000 ($550)

                  AED 4,000 ($1,100)

                  Newborn CareRegionalInternationalInternational Plus

                  After the mother has been covered on the Mother and Baby Care module for 12 months

                  Paid in full and up to and including 30 days from newborn’s birth.

                  Paid in full and up to and including 30 days from newborn’s birth.

                  Paid in full and up to and including 30 days from newborn’s birth.

                  Congenital conditions and birth defects (non-life threatening)RegionalInternationalInternational Plus

                  After the mother has been covered on the Mother and Baby Care module for 12 months

                  AED 36,500 ($10,000)

                  AED 73,500 ($20,000)

                  AED 140,000 ($39,000)

                  Outpatient MaternityRegionalInternationalInternational plus

                  After the mother has been covered on the Mother and Baby Care module for 12 months

                  Paid in full
                  Maximum of 8 visits to obstetrician

                  Paid in full
                  Maximum of 12 visits to obstetrician

                  Paid in full

                  Routine maternity, childbirth and elective caesarean

                    After the mother has been covered on the Mother and Baby Care module for 12 months
                    10% mandatory Co-Pay applies

                  Regional
                  • AED 18,000 ($5,000)

                  International
                  • AED 25,500 ($7,000)

                  International Plus
                  • AED 51,500 ($14,000)

                  Medically necessary caesarean

                    After the mother has been covered on the Mother and Baby Care module for 12 months
                    10% mandatory Co-Pay applies

                  Regional
                  • AED 18,000 ($5,000)

                  International
                  • AED 36,500 ($10,000)

                  International Plus
                  • AED 73,500 ($20,000)

                  Complications arising from maternity and childbirth (non-life threatening)

                    After the mother has been covered on the Mother and Baby Care module for 12 months
                    10% mandatory Co-Pay applies

                  Regional
                  • AED 150,000 ($41,000)

                  International
                  • AED 150,000 ($41,000)

                  International plus
                  • AED 150,000 ($41,000)

                  Homebirths

                    After the mother has been covered on the Mother and Baby Care module for 12 months

                  Regional
                  • AED 1,000 ($270)

                  International
                  • AED 2,000 ($550)

                  International Plus
                  • AED 4,000 ($1,100)

                  Newborn Care

                    After the mother has been covered on the Mother and Baby Care module for 12 months

                  Regional
                  • Paid in full and up to and including 30 days from newborn’s birth.

                  International
                  • Paid in full and up to and including 30 days from newborn’s birth.

                  International Plus
                  • Paid in full and up to and including 30 days from newborn’s birth.

                  Congenital conditions and birth defects (non-life threatening)

                    After the mother has been covered on the Mother and Baby Care module for 12 months

                  Regional
                  • AED 36,500 ($10,000)

                  International
                  • AED 73,500 ($20,000)

                  International Plus
                  • AED 140,000 ($39,000)

                  Outpatient Maternity

                    After the mother has been covered on the Mother and Baby Care module for 12 months

                  Regional
                  • Paid in full
                    Maximum of 8 visits to obstetrician

                  International
                  • Paid in full
                    Maximum of 12 visits to obstetrician

                  International plus
                  • Paid in full

                  Need help choosing a plan?

                  We have 24/7 customer support ready for you all year round.
                  Get in touch with us today.

                  UAE Toll free number 800 444 999
                  (00971 4 512 7198 if calling from outside UAE)

                  Email us: sales.healthguard@cigna.com