Cigna Insurance In Dubai For Expats
Cigna Insurance offers three Healthguard Plans that are specifically created for expats living in Dubai and the United Arab Emirates. The three plans include Regional Cigna Healthguard, International Cigna Healthguard, and International Plus Cigna Healthguard.
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Are you an expat wanting to learn which health insurance plans are offered by Cigna that provide coverage in Dubai? This article will answer just that by going deeply into the three types of plans created by Cigna for Dubai expats.
We’ll discuss the annual coverage limits and the basic benefits included in each plan, and we’ll highlight some of the reasons expats choose to get insured through Cigna.
We’ll close up with an introduction to why it is a huge advantage for expats to choose their global health insurance through the help of an insurance broker. It will also be in your favor to learn about the healthcare system in Dubai and how expats can get insurance.
When you’re ready to talk specific quotes about Cigna Insurance in Dubai, contact us at Pacific Prime or check out our free insurance quote generator on your own. This tutorial can show you how.
Cigna Healthguard Insurance Plans for Expats in Dubai
Cigna Insurance offers Cigna Healthguard plans to individuals and families working and living in Dubai. These plans are catered to the unique needs and insurance expectations of residents in Dubai and the rest of the United Arab Emirates.
These plans are approved by the Dubai Health Authority (DHA) and the Insurance Authority (IA) which have strict requirements for health insurance plans that all residents must comply with. If expats do not purchase insurance that complies with Dubai’s Health Insurance Law, they may be fined or deported.
All Cigna Healthguard plans include:
- A choice between four network tier options
- Inpatient and day patient hospital treatment and accommodation
- Outpatient consultations, diagnostic tests, and prescribed drugs
- Maternity care, up to the DHA minimum
- Mental health care
- Preventative well checks
- Emergency coverage, including out-of-area
- Preexisting and chronic conditions coverage
Some of the reasons Cigna Healthguard plans are the choice for many Dubai expats include that they are:
- Locally Compliant – They meet the mandatory coverage minimums of the Dubai Health Authority (DHA).
- Comprehensive in their Core Coverage – Expats can rest assured that they have all of their basic healthcare needs insured for inpatient and outpatient care, medical evacuation and repatriation, maternity care, and more!
- Flexible – Cigna Healthguard plans can be adjusted to your individual needs and budget, several co-pay options, and your choice of network tiers.
- Able to Treat You Without Cash Copays – If Cigna members seek treatment at an in-network provider, Cigna will directly pay the provider for you.
- Supported by Medical Experts – Dubai expats with Cigna Healthguard have access to Cigna doctors, nurses, and Cigna’s unique Clinical Case Management program for individuals with chronic health conditions.
- Technologically Supported – Cigna has several healthcare tools for its members, including the Cigna Wellbeing App and Global Telehealth consultations.
To get quote estimates for the Cigna Healthguard Plans, contact Pacific Prime today. We are an insurance broker and can act as an intermediary on your behalf between you and Cigna and help negotiate your benefits and plan fees to meet your needs and budget.
Because we are paid commission from Cigna, you won’t be charged a dime for our services!
You can also search for quotes on your own through our free insurance quote generator, a phenomenal resource that shows quotes from several providers (a tool you won’t find on insurance provider websites).
Regional Cigna Healthguard Plans in Dubai
The Regional Cigna Healthguard plan for expats in Dubai provides an annual benefit maximum of AED 2,750,000 (about USD $750,000). It includes coverage within the Gulf Cooperation Council (GCC), other Middle Eastern countries, and Asia (excluding Singapore, Hong Kong, and China).
The Regional Cigna Healthguard plan provides Dubai expats health coverage for essential regional inpatient, daypatient, and outpatient treatments, as well as access to medical evacuation and repatriation.
The following chart shows more of the health benefits included in this plan and the amounts covered.
| Regional Cigna Healthguard Plan | ||
| Type of Medical Benefit | Coverage Included in AED | Coverage Included in USD |
| Standard Private Room | Paid in Full | Paid in Full |
| Cancer Care and Screenings | Paid in Full | Paid in Full |
| Mental Health Care | AED 5,500 | About USD $1,500 |
| Rehabilitation | AED 9,000 | About USD $2,500 |
| Prescribed Drugs and Dressings | AED 9,000 | About USD $2,500 |
| Routine Adult Physical Examination | Basic Exams Covered | Basic Exams Covered |
| Preventative Dental | AED 550 | About USD $150 |
| Medical Evacuation and Repatriation | Paid in Full | Paid in Full |
To get quotes for a Regional Cigna Healthguard plan that are accurate to your needs and situation, contact Pacific Prime or use our insurance quote generator.
International Cigna Healthguard Plans in Dubai
The International Cigna Healthguard plan for expats in Dubai provides an annual benefit maximum of AED 7,350,000 (about USD $2,000,000). It includes worldwide coverage with the option to include coverage in the United States or exclude coverage there.
The International Cigna Healthguard plan provides Dubai expats extensive global health coverage for inpatient, daypatient, and outpatient treatments, as well as access to medical evacuation and repatriation.
The following chart shows more of the health benefits included in this plan and the amounts covered.
| International Cigna Healthguard Plan | ||
| Type of Medical Benefit | Coverage Included in AED | Coverage Included in USD |
| Standard Private Room | Paid in Full | Paid in Full |
| Cancer Care and Screenings | Paid in Full | Paid in Full |
| Mental Health Care | AED 7,500 | About USD $2,000 |
| Rehabilitation | AED 18,000 | About USD $5,000 |
| Prescribed Drugs and Dressings | AED 18,000 | About USD $5,000 |
| Routine Adult Physical Examination | Basic Exams Covered | Basic Exams Covered |
| Preventative Dental | AED 1,100 | About USD $300 |
| Medical Evacuation and Repatriation | Paid in Full | Paid in Full |
To get quotes for a Regional Cigna Healthguard plan that are accurate to your needs and situation, contact Pacific Prime or use our insurance quote generator.
International Plus Cigna Healthguard Plans in Dubai
The International Plus Cigna Healthguard plan for expats in Dubai provides an unlimited annual benefit maximum. It includes worldwide coverage with the option to include coverage in the United States or exclude coverage there.
The International Plus Cigna Healthguard plan provides Dubai expats extensive global health coverage for inpatient, daypatient, and outpatient treatments, as well as access to medical evacuation and repatriation. Many benefits are paid in full.
The following chart shows more of the health benefits included in this plan and the amounts covered.
| International Plus Cigna Healthguard Plan | ||
| Type of Medical Benefit | Coverage Included in AED | Coverage Included in USD |
| Standard Private Room | Paid in Full | Paid in Full |
| Cancer Care and Screenings | Paid in Full | Paid in Full |
| Mental Health Care | AED 7,500 | About USD $2,000 |
| Rehabilitation | Paid in Full | Paid in Full |
| Prescribed Drugs and Dressings | Paid in Full | Paid in Full |
| Routine Adult Physical Examination | Basic Exams Covered | Basic Exams Covered |
| Preventative Dental | AED 1,650 | About USD $500 |
| Medical Evacuation and Repatriation | Paid in Full | Paid in Full |
To get quotes for a Regional Cigna Healthguard plan that are accurate to your needs and situation, contact Pacific Prime or use our insurance quote generator.
Optional Add-On Benefits to Cigna Healthguard Plans
The Cigna Healthguard plans provide Dubai expats the ability to cater their plans to their individual needs through the Healthy Connect module. This module allows expats to control and proactively manage their health and well-being by selecting which benefit add-ons to add to their chosen plan.
A few of the benefit add-ons available in the Healthy Connect module include:
- Wellness – This includes comprehensive physical examinations and advanced screenings such as genetic cancer screenings and allergy tests. It also includes counseling sessions and stress management support.
- Vision Care – If you’d like vision coverage, you can add coverage for routine eye exams and the costs for lenses and frames.
- Dental Care – If you’d like additional dental coverage, you can add coverage for preventative, routine, major restorative dental treatments, and orthodontic care.
- Return Home Cash Benefit – You can add-on coverage for an economy class airfare flight to return home in the event you need medically necessary hospital treatment.
- Mother and Baby Care Module – This add-on provides enhanced coverage for prenatal and postnatal services, including tests, routine maternity and home births, and newborn care.
How an Insurance Broker Can Help Expats
Insurance brokers help expats find the health insurance they need when living abroad. Brokers are not employed by an insurance company like an insurance agent is, instead, they are part of a third party that is loyal first and foremost to their expat clients.
Because a broker’s main priority is helping their clients find the best plans for their individual needs and budget, brokers help expats shop around between insurance companies and insurance policies. A broker’s advice is centered around helping their clients rather than directing them to any specific insurer.
Pacific Prime is an award-winning global insurance broker, and we have helped over one million expats secure health insurance around the world. Reach out to us today to learn more about how we can serve you in your insurance endeavors!
Read here to learn more about what an insurance broker does and how you can pick one.
The best part is that you won’t pay us a penny! We receive commissions from insurance providers, so you benefit from our services without any cost while learning about the many insurance options available to you.
Conclusion
You now understand an overview of the health insurance plans offered to expats living in Dubai from Cigna Insurance. We also have another article about Cigna Insurance plans expats may benefit from. While this article is written about Thailand, many of the plans provide coverage in the UAE.
To check out other insurance providers that cover Dubai, read about AXA Insurance in Dubai and Dubai Now Health International.
We also encourage you to read our comprehensive guide about moving to Dubai and our article about what to expect when living in Dubai.
To compare Cigna insurance quotes today with other providers in Dubai, use our insurance quote generator. It’s a free resource we offer to you that allows you to compare companies and policies. Additionally, you can save your favorite quotes for later review.
If you have any questions, contact Pacific Prime.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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How do expats manage the process of adding family members to their Cigna Healthguard plans in Dubai? Are there any particular challenges or steps involved?
Adding family members to a Cigna Healthguard plan in Dubai is a straightforward process that typically involves contacting Cigna or your insurance broker to update your policy. You’ll need to provide relevant documentation such as passports, Emirates IDs, and possibly health declarations for your family members. The main challenges may include ensuring that the coverage aligns with Dubai’s Health Insurance Law and accounting for any premium adjustments.
For personalized guidance or help with this process, reach out to us via our Contact Us page. We’re here to assist you every step of the way!
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