Health Insurance Solutions in the Middle East for Individuals and Families
December 2020   HEALTH AWARENESS

Health Insurance Solutions in the Middle East for Individuals and Families

Scroll to read
Cigna middle east health insurance products

Cigna Healthguard in the Middle East encompasses the entire healthcare lifecycle, from pre-hospitalization to treatment and post-hospitalization. The health insurance plan you select will depend on the regions you need coverage in (GCC countries or worldwide), and the level of hospitals covered in the network will be based on your need and budget.

All three tiers of core health insurance plans have common value-added components, across categories:


  • Inpatient and day-patient hospital treatment/accommodation
  • Outpatient consultations and tests
  • Prescription drugs and supplements
  • Mental health care
  • Cancer treatment
  • Pre-existing and chronic conditions
  • Minimum DHA prescribed maternity care
  • Out of area emergency cover

In addition to this, you may add modules according to the individual requirements. As a busy officegoer, you may want to add regular checkups with the Health Connect module. If you are planning for family health insurance, then the maternity and newborn care will provide extended support throughout the process. As an expatriate, the medical evacuation and repatriation module might be critical for you.

Then there is the outpatient medical treatment option which adds value to any family unit, especially an extended one, with inclusions like specialist consultations, diagnostic tests, physiotherapy services, adult vaccinations and more.

Health Insurance Product Summary

The medical insurance plans offered by Cigna Healthguard are primarily based on the network of hospitals you would like access to and the regions that you may want coverage in. The Network Tier offers four choices:

  • General
  • General Plus
  • Comprehensive excluding American Hospital Dubai (AHD)
  • Comprehensive

The Healthguard Regional plan, which covers all GCC countries except Singapore, Hong Kong and China, offers the inclusions below.

  • Overall annual benefit limit (lower tier): AED 2,750,000
  • Coverage within the countries of the GCC, other Middle East countries and Asia (excluding Singapore, Hong Kong and China)
  • Flexibility to select your network tier
  • Optional/ Healthy Connect module
  • Optional Mother and Baby Care module

Healthguard Regional, Lebanon

Cigna offers an extensive network in Lebanon, in partnership with GlobeMed Lebanon SAL, a leading healthcare benefits management company and third-party administrator. This provides Cigna‘s customers access to GlobeMed’s vast network of over 1,600 healthcare providers across the region.

Healthguard Regional, UAE/ Kuwait/ Oman

In the UAE, Cigna has partnered with the extensive health network of Neuron, a leading third-party provider) to provide maximum healthcare facilities in each plan.

Healthguard Regional, Kingdom of Saudi Arabia

Cigna has tied up with an iconic insurer in KSA, the Saudi Arabian Cooperative Insurance Company, with 60 years of experience in the region.

As a Cigna member, you can manage your healthcare plans conveniently, from any location, using the signature Cigna Envoy platform. Whether you are an employee or employer, Cigna Envoy is easily accessible on the website or through the app. Here are the benefits that make Cigna Envoy the perfect medical insurance medium.

For Cigna Employers
  • Track plan usage of your employees on the go
  • Delegate compliance uploads to the team
  • Modify employee plans or access reports at a click
For Cigna Employees
  • View or submit claims from anywhere, anytime
  • Access the list of network providers instantly
  • Connect with Cigna customer service representatives 24/7

Related Articles

Why employee wellbeing is key for productivity?

Employee wellbeing has become a priority for organisations. The focus should be on tailoring wellness programs to meet and support employees' needs and demands.

Health insurance for expats in UAE

Meeting the Healthcare needs of Expats in UAE

Health insurance for expats is imperative in a rapidly globalising world. Therefore, the focus should be on designing the perfect health insurance for expats in UAE.