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  • Cigna Healthguard℠ plan benefits

    Cigna Healthguard℠ plans comprise of three levels of cover

    Our Cigna Healthguard℠ plans can bring you the best of both regional and international health services. At glance compare below the most suitable Cigna Healthguard℠ plan for you and your family.

    Further information

    Healthguard core plan

    Our plans are designed to cover for inpatient, daypatient, accomodation costs, outpatient care and treatment, as well as cover for cancer, maternity, mental health care and much more.

    We have arrangements with designated healthcare providers in the UAE allowing you to seek treatment on a direct billing basis.

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    How to create your plan

    1. Select your core plan (Do you need Worldwide coverage?)
    2. Want to extend your coverage
    3. Manage your premium
    4. Pay for your plan
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    Area of coverage

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

    International and International Plus: Worldwide coverage with the option to include the USA.

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    Global Health Assist program

    A unique service that works with a proactive and personalised approach to manage any complex health conditions you may have – giving you the full medical support you deserve.

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    Healthcare provider network in the UAE

    Regional

    General network

    International

    Comprehensive network excl. American Hospital Dubai (AHD)

    International Plus

    Comprehensive network

    Network of healthcare providers

    Regional

    Direct payment to providers in the UAE

    Out of network penalty in the UAE - 20%

    International

    Direct payment to providers in the UAE

    Out of network penalty in the UAE and the USA - 20%

    International Plus

    Direct payment to providers in the UAE

    Out of network penalty in the UAE and the USA - 20%

    USA area of coverage option

    Regional

    Not applicable

    International

    Worldwide excluding the USA or; Worldwide including the USA

    International Plus

    Worldwide excluding the USA or; Worldwide including the USA

    Annual overall benefit - maximum per beneficiary per period of cover

    Includes all inpatient, daypatient and outpatient treatment.

    Regional

    AED 2,750,000 ($750,000)

    International

    AED 7,350,000 ($2,000,000)

    International Plus

    Unlimited

    Out of Area Emergency Cover

    Regional

    AED 180,000 ($50,000)

    International

    AED 280,000 ($75,000)

    Not applicable if you have selected the Wordwide including the USA coverage option.

    International Plus

    AED 500,000 ($135,000)

    Not applicable if you have selected the Wordwide including the USA coverage option.

    Treatment for pre-existing and chronic conditions within the UAE*

    *Some common or minor pre-existing and chronic conditions are not subject to the pre-existing conditions benefit limits

    Regional

    AED 150,000 ($41,000)

    International

    AED 150,000 ($41,000)

    International Plus

    AED 150,000 ($41,000)

    Treatment for pre-existing and chronic conditions outside of the UAE*

    *Some common or minor pre-existing and chronic conditions are not subject to the pre-existing conditions benefit limits

    Regional

    AED 5,000 ($1,360)

    International

    AED 5,000 ($1,360)

    International Plus

    AED 5,000 ($1,360)

    Hospital charges for:

    Nursing care, accommodation on a private room basis for inpatient and daypatient treatment and recovery room including emergency treatment.

    Regional

    Paid in full Standard private room

    International

    Paid in full Standard private room

    International Plus

    Paid in full Standard private room

    Hospital charges for:

    Operating theatre, prescribed medicines, drugs and dressings and surgeon’s and anaesthetists fees on an inpatient and daypatient basis.

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Surgeons’ and Anaesthetists’ fees

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Specialists’ consultation fees

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Companion Accommodation (per night)

    Regional

    AED 100 ($28)

    International

    AED 100 ($28)

    International Plus

    AED 200 ($56)

    Hospital accommodation for a parent or legal guardian (per night)

    Regional

    AED 500 ($135)

    International

    AED 1,000 ($270)

    International Plus

    Paid in full

    Transplant services for organ, bone marrow and stem cell transplants

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Kidney dialysis

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Pathology, radiology and diagnostic tests

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Advanced medical imaging

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Rehabilitation

    Regional

    AED 9,000 ($2,500)

    International

    AED 18,000 ($5,000)

    International Plus

    Paid in full

    Home nursing

    Regional

    AED 9,000 ($2,500)

    International

    AED 18,000 ($5,000)

    International Plus

    Paid in full

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Local road and air ambulance services

    Regional

    Paid in Full (Road only)

    International

    Paid in full

    International Plus

    Paid in full

    Hospice and palliative care

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Internal prosthetic devices/ surgical and medical appliances

    Regional

    AED 150,000 ($41,000)

    International

    Paid in full

    International Plus

    Paid in full

    External prosthetic devices/ surgical and medical appliances

    Regional

    AED 10,000 ($2,700)

    International

    AED 15,000 ($4,100)

    International Plus

    Paid in full

    Inpatient cash benefit (per night)

    Regional

    AED 400 ($100)

    International

    AED 600 ($150)

    International Plus

    AED 900 ($250)

    Emergency dental and gum treatment

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Emergency mental health care

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Non-emergency mental health care

    Regional

    AED 5,500 ($1,500)

    International

    AED 7,500 ($2,000)

    International Plus

    AED 7,500 ($2,000)

    Cancer care

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Routine maternity, childbirth and medically necessary caesarean

    10% cost share applies

    Regional

    AED 18,000 ($5,000)
    - routine delivery or up to;
    AED 18,000 ($5,000)

    for medically necessary caesarean

    International

    AED 25,500 ($7,000)
    - routine delivery or up to;
    AED 36,500 ($10,000)

    for medically necessary caesarean

    International Plus

    AED 51,500 ($14,000)
    - routine delivery or up to;
    AED 73,500 ($20,000)

    for medically necessary caesarean

    Complications arising from maternity

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Homebirths

    Regional

    Not covered

    International

    AED 2,000 ($550)

    International Plus

    AED 4,000 ($1,100)

    Newborn Care

    Regional

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

    International

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

    International Plus

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

    Congenital conditions and birth defects (life threatening)

    Regional

    AED 150,000 ($41,000)

    International

    AED 150,000 ($41,000)

    International Plus

    AED 150,000 ($41,000)

    Congenital conditions and birth defects (non-life threatening)

    Regional

    AED 36,500 ($10,000)

    International

    AED 73,500 ($20,000)

    International Plus

    AED 140,000 ($39,000)

    A cost share applies to all outpatient care benefits (excluding the International Plus plan)

    Regional

    Choose your cost share option for Outpatient treatment. 10% or 20%

    International

    A 10% cost share applies for all Outpatient treatment

    International Plus

    No cost share

    Your out of pocket maximum (not applicable on the International Plus plan)

    Regional

    Out of pocket maximum AED 7,500 ($2,000)

    International

    Out of pocket maximum AED 3,500 ($1,000)

    International Plus

    Out of pocket maximum not applicable

    Consultations with medical practitioners and specialists

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Surgeons’ and Anaesthetists’ fees

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Outpatient maternity

    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

    Kidney dialysis

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Pathology, radiology and diagnostic tests

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Advanced medical imaging

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Physiotherapy

    Regional

    Paid in full Maximum of 15 visits

    International

    Paid in full Maximum of 30 visits

    International Plus

    Paid in full 

    Osteopathy and chiropractic treatment

    Regional

    Paid in full up to a combined maximum of 10 visits

    International

    Paid in full up to a combined maximum of 15 visits

    International Plus

    Paid in full

    Acupuncture

    Regional

    AED 3,500 ($1,000)

    International

    Paid in full

    International Plus

    Paid in full

    Emergency dental and gum treatment

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Restorative speech therapy

    Regional

    AED 9,000 ($2,500)

    International

    AED 18,000 ($5,000)

    International Plus

    Paid in full

    Prescribed drugs and dressings

    Regional

    AED 9,000 ($2,500)

    International

    AED 18,000 ($5,000)

    International Plus

    Paid in full

    Rental of durable equipment

    Regional

    AED 9,000 ($2,500)

    International

    AED 18,000 ($5,000)

    International Plus

    Paid in full

    Adult vaccinations

    Regional

    AED 2,000 ($550)

    International

    AED 7,500 ($2,000)

    International Plus

    Paid in full

    Well child tests

    Regional

    AED 9,000 ($2,500)

    International

    Paid in full

    International Plus

    Paid in full

    Child vaccinations and immunisations

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Annual routine tests for children aged 15 or younger

    Regional

    AED 9,000 ($2,500)

    International

    Paid in full

    International Plus

    Paid in full

    Diabetes screening

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Treatment for accidental hearing loss

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Hearing and vision aids and vision correction by surgeries and laser in a medical emergency

    Regional

    Paid in full

    International

    Paid in full

    International Plus

    Paid in full

    Frequently asked questions about the Cigna Healthguard℠ plans

    Which healthcare provider network do I have access to within the different Cigna Healthguard℠ plans?

    We have an extensive network in the UAE consisting of three levels. The Cigna Healthguard℠ Regional plan provides access to our General network, the International plan to our Comprehensive network excluding the American Hospital in Dubai and the International Plus plan to our Comprehensive network.

    Which countries are included in the Cigna Healthguard℠ Regional Plan?

    The Cigna Healthguard℠ Regional plan provides coverage in the UAE, other countries of the Gulf Corporation Council (GCC), Middle East and Asia (excluding China, Hong Kong and Singapore). For additional peace of mind, our plans include emergency short-term medical coverage in a country outside of your selected area of coverage.

    Do you provide direct payment with healthcare providers within the UAE?

    Yes, if you receive treatment within our healthcare provider network in the UAE we will pay the provider directly, subject to the terms of the policy and any cost share applicable on your plan. Prior authorisation is required for all inpatient and daypatient treatments and some outpatient treatments.

    Which service is included as part of the Global Health Assist program?

    Our unique Global Health Assist program can provide you with access to a doctor or nurse who can offer a second medical opinion service. In addition, when the treatment is more complex, our nurses can take over the case providing clinical guidance and reassurance.

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