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    United Arab Emirates

    International Health Insurance in the UAE & Dubai

    Cigna Healthguard℠ is a specific plan tailored to meet the needs of individuals and families working and residing in the Emirate of Dubai and the Northern Emirates, approved by the Dubai Health Authority (DHA) and the Insurance Authority (IA). Our plans are flexible and easy to use, ensuring you get the cover you want when you need it most.

    Get a quote, it takes only 2 minutes!

    Get a quote now
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    Why choose Cigna Healthguard℠?

    Locally compliant plans

    All our Cigna Healthguard℠ plans meet the mandated coverage limits of the Dubai Health Authority (DHA).

    Comprehensive core cover

    Inpatient and daypatient hospital treatment and accommodation, outpatient care, medical evacuation and repatriation services, maternity care and more.

    Added flexibility

    Tailor your plan according to your healthcare needs and budget with optional modules, a choice of network tiers, and different co-pay options.

    Cashless access to treatment

    Together with our partner, Neuron, we offer extensive access to a vast number of healthcare facilities in the UAE. What’s more, we pay the provider directly for authorised treatment at an in-network provider.

    Tailored medical support

    Gain access to support from Cigna doctors and nurses through our unique Clinical Case Management programme.

    Well-being support tools

    Benefit from a suite of healthcare tools through the Cigna Wellbeing™ App, including Global Telehealth consultations.

    Cigna Leaf

    A healthier you with Cigna Healthguard℠

    Cigna Healthguard℠ comprises of three distinct levels of core cover, Regional, International and International Plus, with the option to add extra benefits.

    All plans include the following as standard:

    • Choice of network tier from our four options
    • Inpatient and daypatient hospital treatment and accommodation
    • Outpatient consultations, diagnostic tests and prescribed drugs
    • Maternity care*
    • Mental heath care
    • Preventative health checks
    • Out of area emergency cover
    • Cover for pre-existing and chronic conditions

    *Up to the DHA minimum benefit as standard with the option to add our Mother and Baby Care module.

    Learn more about our Cigna Healthguard℠ plans [PDF]

    Our Cigna Healthguard℠ Plans
    Regional

    Coverage within the countries of the GCC, other Middle East countries and Asia (excluding Singapore, Hong Kong and China)

    AED 2,750,000

    Annual benefit maximum

    Overview

    The core benefits on the Regional plan provide essential regional inpatient, daypatient, and outpatient cover and access to medical evacuation and repatriation services.

    *Paid in full up to the applicable annual benefit maximum per beneficiary per period of cover.

    Core cover overview:

    • Standard private room: Paid in full*

    • Cancer care and screenings: Paid in full*

    • Mental health care: AED 5,500

    • Rehabilitation: AED 9,000

    • Prescribed drugs and dressings: AED 9,000

    • Routine Adult Physical Examination

    • Preventative dental: AED 550

    • Medical evacuation and repatriation: Paid in full
    International

    Worldwide coverage with the option to include cover in the USA

    AED 7,350,000

    Annual benefit maximum

    Overview

    The core benefits on the International plan provide extensive global cover for inpatient, daypatient, and outpatient treatment and access to medical evacuation and repatriation services.

    *Paid in full up to the applicable annual benefit maximum per beneficiary per period of cover.

    Core cover overview:

    • Standard private room: Paid in full*

    • Cancer care and screenings: Paid in full*

    • Mental health care: AED 7,500

    • Rehabilitation: AED 18,000

    • Prescribed drugs and dressings: AED 18,000

    • Routine Adult Physical Examination

    • Preventative dental: AED 1,100

    • Medical evacuation and repatriation: Paid in full
    International Plus

    Worldwide coverage with the option to include cover in the USA

    Unlimited

    Annual benefit maximum

    Overview

    With an unlimited annual benefit maximum, this plan provides more extensive global cover with most benefits paid in full for inpatient, daypatient, and outpatient treatment.

    Core cover overview:

    • Standard private room: Paid in full

    • Cancer care and screenings: Paid in full

    • Mental health care: AED 7,500

    • Rehabilitation: Paid in full

    • Prescribed drugs and dressings: Paid in full

    • Routine Adult Physical Examination

    • Preventative dental: AED 1,650

    • Medical evacuation and repatriation: Paid in full
    greenLeaf

    Tailor your plan with our additional benefits:

    Healthy Connect Module

    In additional to the core benefits that come as standard in our Cigna Healthguard℠ plans, our Healthy Connect module allows you to take control and pro-actively manage the health, well-being, and peace of mind of you and your family.

    Wellness

    Comprehensive physical examination and advanced screenings – including genetic cancer screening and allergy tests – plus access to counselling sessions and stress management support.

    Vision Care

    Take care of your vision with a routine eye examination and costs for lenses and frames.

    Dental Care

    Includes preventative, routine and major restorative dental treatment, and also includes orthodontic care on the International and International Plus plans.

    Return Home Cash Benefit

    We will pay the reasonable costs for an economy class airfare return journey should the need arise to return home for medically necessary hospital treatment.

    Mother and Baby Care Module

    Our Mother and Baby Care module provides enhanced cover for the expectant mother during and after pregnancy; including pre and post-natal tests, routine maternity and homebirths, as well as new born care.


    View Additional Benefits

    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 

    Frequently Asked Questions (FAQs)

    Which plan is right for me?

    We have three levels of flexible cover for you to choose from. Depending on whether you would like regional or international cover, how much of an annual benefit you would like to be covered for, and whether or not you would like any additional coverage, you will be able to build a plan to suit your healthcare needs and budget. Get a quote today and tailor your plan the way you want it.

    Which hospitals can I use?

    You can select any of the four tiers of our UAE network of healthcare providers. Our extensive network in the UAE ranges from the General level, that excludes some of the high cost hospitals and medical practitioners, to the Comprehensive level, that gives access to all of our network of hospitals and medical practitioners within the UAE. Regardless the network tier that you select, we have arranged claims settlement on a direct billing basis in most cases for authorised in-network treatment.

    Where will I be covered?

    Our Cigna Healthguard℠ regional plans cover you in the UAE, other countries of the Gulf Corporation Council (GCC), Middle East and Asia (excluding Singapore, Hong Kong, and China). Our International and International Plus plans provide worldwide cover, either including or excluding coverage in the USA. For additional peace of mind, all our plans include emergency short-term medical coverage in a country outside of your selected area of coverage.

    Do I have access to telehealth?

    Yes, our Global Telehealth service gives you access to licensed doctors around the world for non-emergency health issues. We can arrange an appointment to call you back, often on the same day, or you can arrange a telephone or video consultation from the Cigna Wellbeing™ app.

    How can Cigna Healthguard℠ support me if I am diagnosed with a medical condition?

    All our customers have access to our Clinical Case Management programme which provides personalised support and assistance from our dedicated doctors and nurses when you are diagnosed with a condition requiring special support. Also as part of this programme, you have access to our Chronic Condition programme to help you better understand, manage and improve your condition, and our Decision Support programme which gives you access to global medical experts for advice on your individual diagnosis and treatment plan.

    Looking for country information?

    Learn more about UAE from our Cigna Country Guide.

    © 2025 Cigna Healthcare. All rights reserved.

    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

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