Cigna Healthguard℠ plan benefits

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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℠ plans for you and your family.

Further information

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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 medical evacuation and repatriation.

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 area of cover (Choose between Regional and International)
  2. Choose your network tier
  3. Extend your coverage
  4. Manage your premium
  5. 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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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

Healthcare provider network in the UAE

Regional

International

Select your Network Tier from the 4 choices:

General

General Plus

Comprehensive excluding American Hospital Dubai (AHD)

Comprehensive

International Plus

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

Out of Area Emergency Cover

Regional

AED 180,000 ($50,000)

International

AED 280,000 ($75,000)

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

International Plus

AED 500,000 ($135,000)

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

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

Physiotherapy

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

Cancer preventative surgery

Regional

AED 36,500 ($10,000)

30% Co-Pay applies

International

AED 66,000 ($18,000)

20% Co-Pay applies

International Plus

AED 66,000 ($18,000)

10% Co-Pay applies

Routine maternity, childbirth and elective caesarean

10% mandatory Co-Pay applies

Regional

AED 7,000 ($1,900)

International

AED 7,000 ($1,900)

International Plus

AED 7,000 ($1,900)

Medically necessary caesarean and complications arising from maternity and childbirth (non-life threating)

10% mandatory Co-Pay applies

Regional

AED 10,000 ($2,700)

International

AED 10,000 ($2,700)

International Plus

AED 10,000 ($2,700)

Complications arising from maternity and childbirth (Treatment for life threating maternity conditions) and medically necessary termination

Regional

Paid in full

International

Paid in full

International Plus

Paid in full

Newborn Care

Regional

AED 150,000 ($41,000)

Up to and including 30 days from newborn's birth

International

AED 150,000 ($41,000)

Up to and including 30 days from newborn's birth

International Plus

AED 150,000 ($41,000)

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)

A Co-Pay (if selected) applies to all outpatient care benefits

Regional

International

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

International Plus

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 8 visits to obstetrician

International Plus

Paid in full

Maximum of 8 visits to obstetrician

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

Routine adult physical examination

Regional

AED 550 ($150)

International

AED 1,100 ($300)

International Plus

AED 1,650 ($450)

Diabetes screening

Regional

Paid in full

International

Paid in full

International Plus

Paid in full

Cancer screening

Regional

Paid in full

International

Paid in full

International Plus

Paid in full

Hepatitis C Virus 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

Preventative dental treatment

Three (3) months waiting period applies

Regional

AED 550 ($150)

International

AED 1,100 ($300)

International Plus

AED 1,650 ($450)

Medical evacuation

Regional

Paid in full

International

Paid in full

International Plus

Paid in full

Medical repatriation

Regional

Paid in full

International

Paid in full

International Plus

Paid in full

Repatriation of mortal remains

Regional

Paid in full

International

Paid in full

International Plus

Paid in full

Travel costs for accompanying person

Regional

Paid in full

International

Paid in full

International Plus

Paid in full

Compassionate visits - travel costs

Up to a maximum of 5 trips per lifetime

Up to the maximum amount shown per period of cover

Regional

AED 3,500 ($1,000)

International

AED 4,500 ($1,250)

International Plus

AED 4,500 ($1,250)

Compassionate visits - living allowance costs

Up to the maximum amount shown per day for each visit with a maximum of 10 days per visit

Regional

AED 600 ($150)

International

AED 750 ($200)

International Plus

AED 750 ($200)

Frequently asked questions about the Cigna Healthguard℠ plans

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

Across the three Cigna Healthguard℠ plans, you can select any of the 4 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 give 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.

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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