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Manage your health and well-being with our routine physical examinations, vaccinations, and variety of health screenings including cancer and diabetes – all included in your core cover.
As part of the core cover, we provide cover for routine maternity, outpatient maternity, new born care, and more, up to the DHA minimum benefit.
We provide coverage for reasonable transportation costs to the nearest medical facility in an emergency if the treatment is not available locally.
Please note benefit limits displayed in USD ($) are for illustrative purposes only and have been rounded.
| Annual overall benefit - maximum per beneficiary per period of cover | Regional | International | International Plus |
|---|---|---|---|
Includes all inpatient, daypatient and outpatient treatment. | AED 2,750,000 ($750,000) | AED 7,350,000 ($2,000,000) | Unlimited |
Includes all inpatient, daypatient and outpatient treatment.
AED 2,750,000 ($750,000)
AED 7,350,000 ($2,000,000)
Unlimited
| Healthcare provider network in the UAE | Regional | International | International Plus |
|---|---|---|---|
Select your Network Tier from the 4 choices: | General | General | General |
| Network of healthcare providers | Regional | International | International Plus |
Direct payment to providers in the UAE | Direct payment to providers in the UAE | Direct payment to providers in the UAE |
|
| USA area of coverage option | Regional | International | International Plus |
Not applicable | Worldwide excluding the USA or; | Worldwide excluding the USA or; |
|
| Out of Area Emergency Cover | Regional | International | International Plus |
AED 180,000 ($50,000) | AED 280,000 ($75,000) | AED 500,000 ($135,000) |
Select your Network Tier from the 4 choices:
General
General Plus
Comprehensive excluding American Hospital Dubai (AHD)
Comprehensive
General
General Plus
Comprehensive excluding American Hospital Dubai (AHD)
Comprehensive
General
General Plus
Comprehensive excluding American Hospital Dubai (AHD)
Comprehensive
Direct payment to providers in the UAE
Out of network penalty in the UAE - 20%
Direct payment to providers in the UAE
Out of network penalty in the UAE and the USA - 20%
Direct payment to providers in the UAE
Out of network penalty in the UAE and the USA - 20%
Not applicable
Worldwide excluding the USA or;
Worldwide including the USA
Worldwide excluding the USA or;
Worldwide including the USA
AED 180,000 ($50,000)
AED 280,000 ($75,000)
Not applicable if you have selected Worldwide including the USA coverage option.
AED 500,000 ($135,000)
Not applicable if you have selected Worldwide including the USA coverage option.
| Hospital charges for: | Regional | International | International Plus |
|---|---|---|---|
Nursing care, accommodation on a private room basis for inpatient and daypatient treatment and recovery room including emergency treatment. | Paid in full | Paid in full | Paid in full |
| Hospital charges for: | Regional | International | International Plus |
Operating theatre, prescribed medicines, drugs and dressings and surgeon’s and anaesthetists fees on an inpatient and daypatient basis. | Paid in full | Paid in full | Paid in full |
| Intensive Care | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Surgeons’ and Anaesthetists’ fees | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Specialists’ consultation fees | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Companion Accommodation (per night) | Regional | International | International Plus |
AED 100 ($28) | AED 100 ($28) | AED 200 ($56) |
|
| Hospital accommodation for a parent or legal guardian (per night) | Regional | International | International Plus |
AED 500 ($135) | AED 1,000 ($270) | Paid in full |
|
| Transplant services for organ, bone marrow and stem cell transplants | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Kidney dialysis | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Pathology, radiology and diagnostic tests | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Advanced medical imaging | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Rehabilitation | Regional | International | International Plus |
AED 9,000 ($2,500) | AED 18,000 ($5,000) | Paid in full |
|
| Home nursing | Regional | International | International Plus |
AED 9,000 ($2,500) | AED 18,000 ($5,000) | Paid in full |
|
| Physiotherapy | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Local road and air ambulance services | Regional | International | International Plus |
Paid in full (Road only) | Paid in full | Paid in full |
|
| Hospice and palliative care | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Internal prosthetic devices/ surgical and medical appliances | Regional | International | International Plus |
AED 150,000 ($41,000) | Paid in full | Paid in full |
|
| External prosthetic devices/ surgical and medical appliances | Regional | International | International Plus |
AED 10,000 ($2,700) | AED 15,000 ($4,100) | Paid in full |
|
| Inpatient cash benefit (per night) | Regional | International | International Plus |
AED 400 ($100) | AED 600 ($150) | AED 900 ($250) |
|
| Emergency dental and gum treatment | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Emergency mental health care | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Non-emergency mental health care | Regional | International | International Plus |
AED 5,500 ($1,500) | AED 7,500 ($2,000) | AED 7,500 ($2,000) |
|
| Cancer care | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Cancer preventative surgery | Regional | International | International Plus |
AED 36,500 ($10,000) | AED 66,000 ($18,000) | AED 66,000 ($18,000) |
|
| Routine maternity, childbirth and elective caesarean | Regional | International | International Plus |
10% mandatory Co-Pay applies | AED 7,000 ($1,900) | AED 7,000 ($1,900) | AED 7,000 ($1,900) |
| Medically necessary caesarean and complications arising from maternity and childbirth (non-life threating) | Regional | International | International Plus |
10% mandatory Co-Pay applies | AED 10,000 ($2,700) | AED 10,000 ($2,700) | AED 10,000 ($2,700) |
| Complications arising from maternity and childbirth (Treatment for life threating maternity conditions) and medically necessary termination | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Newborn Care | Regional | International | International Plus |
AED 150,000 ($41,000) | AED 150,000 ($41,000) | AED 150,000 ($41,000) |
|
| Congenital conditions and birth defects (life threatening) | Regional | International | International Plus |
AED 150,000 ($41,000) | AED 150,000 ($41,000) | AED 150,000 ($41,000) |
Nursing care, accommodation on a private room basis for inpatient and daypatient treatment and recovery room including emergency treatment.
Paid in full
Standard private room
Paid in full
Standard private room
Paid in full
Standard private room
Operating theatre, prescribed medicines, drugs and dressings and surgeon’s and anaesthetists fees on an inpatient and daypatient basis.
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
AED 100 ($28)
AED 100 ($28)
AED 200 ($56)
AED 500 ($135)
AED 1,000 ($270)
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
AED 9,000 ($2,500)
AED 18,000 ($5,000)
Paid in full
AED 9,000 ($2,500)
AED 18,000 ($5,000)
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full (Road only)
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
AED 150,000 ($41,000)
Paid in full
Paid in full
AED 10,000 ($2,700)
AED 15,000 ($4,100)
Paid in full
AED 400 ($100)
AED 600 ($150)
AED 900 ($250)
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
AED 5,500 ($1,500)
AED 7,500 ($2,000)
AED 7,500 ($2,000)
Paid in full
Paid in full
Paid in full
AED 36,500 ($10,000)
30% Co-Pay applies
AED 66,000 ($18,000)
20% Co-Pay applies
AED 66,000 ($18,000)
10% Co-Pay applies
10% mandatory Co-Pay applies
AED 7,000 ($1,900)
AED 7,000 ($1,900)
AED 7,000 ($1,900)
10% mandatory Co-Pay applies
AED 10,000 ($2,700)
AED 10,000 ($2,700)
AED 10,000 ($2,700)
Paid in full
Paid in full
Paid in full
AED 150,000 ($41,000)
Up to and including 30 days from newborn's birth
AED 150,000 ($41,000)
Up to and including 30 days from newborn's birth
AED 150,000 ($41,000)
Up to and including 30 days from newborn's birth
AED 150,000 ($41,000)
AED 150,000 ($41,000)
AED 150,000 ($41,000)
| A Co-Pay (if selected) applies to all outpatient care benefits | Regional | International | International Plus |
|---|---|---|---|
Choose your Co-Pay option for Outpatient visits: | Choose your Co-Pay option for Outpatient visits: | Choose your Co-Pay option for Outpatient visits: |
|
| Consultations with medical practitioners and specialists | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Surgeons’ and Anaesthetists’ fees | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Outpatient maternity | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Kidney dialysis | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Pathology, radiology and diagnostic tests | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Advanced medical imaging | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Physiotherapy | Regional | International | International Plus |
Paid in full Maximum of 15 visits | Paid in full Maximum of 30 visits | Paid in full |
|
| Osteopathy and chiropractic treatment | Regional | International | International Plus |
Paid in full up to a combined maximum of 10 visits | Paid in full up to a combined maximum of 15 visits | Paid in full |
|
| Acupuncture | Regional | International | International Plus |
AED 3,500 ($1,000) | Paid in full | Paid in full |
|
| Emergency dental and gum treatment | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Restorative speech therapy | Regional | International | International Plus |
AED 9,000 ($2,500) | AED 18,000 ($5,000) | Paid in full |
|
| Prescribed drugs and dressings | Regional | International | International Plus |
AED 9,000 ($2,500) | AED 18,000 ($5,000) | Paid in full |
|
| Rental of durable equipment | Regional | International | International Plus |
AED 9,000 ($2,500) | AED 18,000 ($5,000) | Paid in full |
|
| Adult vaccinations | Regional | International | International Plus |
AED 2,000 ($550) | AED 7,500 ($2,000) | Paid in full |
|
| Well child tests | Regional | International | International Plus |
AED 9,000 ($2,500) | Paid in full | Paid in full |
|
| Child vaccinations and immunisations | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Annual routine tests for children aged 15 or younger | Regional | International | International Plus |
AED 9,000 ($2,500) | Paid in full | Paid in full |
|
| Routine adult physical examination | Regional | International | International Plus |
AED 550 ($150) | AED 1,100 ($300) | AED 1,650 ($450) |
|
| Diabetes screening | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Cancer screening | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Hepatitis C Virus screening | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Treatment for accidental hearing loss | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Hearing and vision aids and vision correction by surgeries and laser in a medical emergency | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Preventative dental treatment | Regional | International | International Plus |
Three (3) months waiting period applies | AED 550 ($150) | AED 1,100 ($300) | AED 1,650 ($450) |
Choose your Co-Pay option for Outpatient visits:
0%
10% up to a maximum of AED 50 ($14) per visit
20% up to a maximum of AED 100 ($28) per visit
Choose your Co-Pay option for Outpatient visits:
0%
10% up to a maximum of AED 50 ($14) per visit
20% up to a maximum of AED 100 ($28) per visit
Choose your Co-Pay option for Outpatient visits:
0%
10% up to a maximum of AED 50 ($14) per visit
20% up to a maximum of AED 100 ($28) per visit
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Maximum of 8 visits to obstetrician
Paid in full
Maximum of 8 visits to obstetrician
Paid in full
Maximum of 8 visits to obstetrician
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full Maximum of 15 visits
Paid in full Maximum of 30 visits
Paid in full
Paid in full up to a combined maximum of 10 visits
Paid in full up to a combined maximum of 15 visits
Paid in full
AED 3,500 ($1,000)
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
AED 9,000 ($2,500)
AED 18,000 ($5,000)
Paid in full
AED 9,000 ($2,500)
AED 18,000 ($5,000)
Paid in full
AED 9,000 ($2,500)
AED 18,000 ($5,000)
Paid in full
AED 2,000 ($550)
AED 7,500 ($2,000)
Paid in full
AED 9,000 ($2,500)
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
AED 9,000 ($2,500)
Paid in full
Paid in full
AED 550 ($150)
AED 1,100 ($300)
AED 1,650 ($450)
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Three (3) months waiting period applies
AED 550 ($150)
AED 1,100 ($300)
AED 1,650 ($450)
| Medical evacuation | Regional | International | International Plus |
|---|---|---|---|
Paid in full | Paid in full | Paid in full |
|
| Medical repatriation | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Repatriation of mortal remains | Regional | International | International Plus |
| Travel costs for accompanying person | Regional | International | International Plus |
Paid in full | Paid in full | Paid in full |
|
| Compassionate visits - travel costs | Regional | International | International Plus |
Up to a maximum of 5 trips per lifetime | AED 3,500 ($1,000) | AED 4,500 ($1,250) | AED 4,500 ($1,250) |
| Compassionate visits - living allowance costs | Regional | International | International Plus |
Up to the maximum amount shown per day for each visit with a maximum of 10 days per visit | AED 600 ($150) | AED 750 ($200) | AED 750 ($200) |
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Paid in full
Up to a maximum of 5 trips per lifetime
Up to the maximum amount shown per period of cover
AED 3,500 ($1,000)
AED 4,500 ($1,250)
AED 4,500 ($1,250)
Up to the maximum amount shown per day for each visit with a maximum of 10 days per visit
AED 600 ($150)
AED 750 ($200)
AED 750 ($200)
An overview of the coverage options and why you should choose Cigna Healthguard℠.
Learn more about the four UAE network tier choices.
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