Cigna is a global healthcare leader, providing flexible and locally compliant small business health plans for companies like yours. For SMEs in the Middle East, we offer two plans: Smartcare by Cigna and Globalcare Flexible.

Globalcare Flexible is our global group health insurance plan that provides healthcare solutions for your employees based in the GCC or across the world. This is Cigna’s healthcare solution for Small and medium businesses that brings the best of Globalcare to SMEs.

Smartcare by Cigna offers great value on regional and international health insurance for your team in the UAE, and features an add-on for expats - cover in their home country*. It is serviced by Neuron, a third-party administrator with one of the biggest medical provider networks in the UAE.

Both of these are flexible employee health insurance plans made for businesses in the Middle East.

*Neuron is a leading medical third-party administrator (TPA) in the UAE, with one of the largest medical provider networks in the region.

Cigna Small Business Health Insurance

Smartcare by Cigna

An affordable plan that offers great value on health insurance for your team based in the UAE. SmartCare by Cigna was designed specifically for the UAE market with affordability, flexibility and quality in mind. Bringing the best of Cigna globally to the region.

USD 136,000 to USD 1,360,000

Maximum Annual Cover

Regions Covered

Option 1: Middle East, Indian Subcontinent, and the Philippines Option 2: Worldwide (excluding USA)

Key Benefits:

  • Annual maximum cover – up to USD 1.36 million
  • Pre-existing and chronic conditions covered**
  • Private accommodation for daycare and in-patient treatment
  • Full coverage up to plan maximum for cancer, with no co-insurance
  • Regional and international cover for your employees
  • Open-access network: access to all in-network providers
  • 24/7 telehealth services at no additional cost
  • Clinical case management services
  • Digital servicing tools for employers and employees
  • *Excluding USA
    ** Up to USD 68,000

Globalcare Flexible

Built on Cigna’s 17-year strong heritage in the Middle East, Globalcare Flexible is a health insurance plan for SMEs that protects your teams in the region, or your employees travelling globally. Cigna’s bespoke healthcare solution for Small and medium businesses offering flexibility and a wide area of global cover.

USD 1,500,000 to USD 7,500,000

Maximum Annual Cover

Regions Covered

Area 1: Worldwide; Area 2: Worldwide excluding USA

Area 4: GCC Countries (Saudi Arabia, UAE, Kuwait, Oman, Bahrain and Qatar), Pakistan, India, Egypt, Jordan, Lebanon, Syria, Yemen, Afghanistan, Africa-Central Rep, Algeria, Angola, Benin, Botswana, Burkina Faso, Cameroon, Chad, Congo, Djibouti, Equitorial Guinea, Eritrea, Ethiopia, Gabon, Gambia, Ghana, Guinea Republic, Guinea Bassau, Iran, Iraq, Ivory Coast, Kenya, Liberia, Libya, Madagascar, Malawi, Malaysia, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Niger Republic, Nigeria, Philippines, Rwanda, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, Sri Lanka, Sudan, Swaziland, Tanzania, Thailand, Togo Republic, Tunisia, Uganda, Zambia and Zimbabwe

Key Benefits:

  • Pre-existing and chronic conditions covered, up to annual limit
  • Private accommodation for daycare and in-patient treatment*
  • Full coverage for cancer up to the plan maximums; no co-insurance
  • Cover from GCC to global, based on your preference
  • 24/7 telehealth services at no additional cost
  • Clinical case management services
  • Employee access to the Cigna Wellbeing App
  • Manage their plans through Cigna EnvoyTM

  • *Please note that a co-insurance may apply at select providers

Cigna Small Business Group Health Insurance Features You'll Love

Our 180M customers love these small business group health insurance features

Employee Assistance Program (EAP)

Professionals are on hand to assist insured members (both employees and their families) with constant support to ensure their wellbeing. Topics include handling stress, dealing with a major life change, striking a work-life balance, surviving loss, workplace pressure, and more.

  • Support through EAP is free and confidential, and available 24 hours a day, 7 days a week, 365 days a year.
  • Any employee at your company can contact EAP for live assistance, including short-term professional counselling and telephonic support.

Digital Healthcare

With a full suite of app-based healthcare tools, your employees can consult doctors anytime, from anywhere. They’ll be able to check worrying symptoms, and get questions answered at no additional cost through our telehealth services.

  • They will be able to do all this from home; a feature that employees living in our post-pandemic world will appreciate.

Member App And Portal

The key component of our suite of digital servicing tools, a dedicated member app and portal—gives every employee instant access to their plan features.

  • Using the app or website, they can submit claims, track these claims, search for healthcare providers and explore plan features. This will be their go-to for all information relating to their healthcare plan.

Pre-Existing Conditions

Not everyone at your organization is healthy on the day your insurance plan’s coverage begins. If someone within your team is currently dealing with chronic or pre-existing issues like diabetes or heart disease, they don’t need to wait before these are covered.

*T&C apply. Contact a Cigna sales representative to learn more.

  • Every pre-existing condition is covered by Cigna right from day 1.*

Frequently Asked Questions

It does pay off to investigate a little when you are selecting a health insurance plan. You must take into consideration the factors of cost, coverage, and benefit.


  • Check the pre-existing conditions coverage in the plan
  • Ensure the plan offers an adequate network offering cashless treatment
  • Check the maternity clause and waiting period
  • Look for pre-hospitalization and post-hospitalization facilities


  • Ensure that digital facilities like online claims submissions are available
  • Get an insurance plan with 24/7 customer service channels
  • Make sure a dedicated client management team is available
  • Check if there is support for employees’ mental wellbeing as well

Click on the ‘details’ tab on the top of this page, and then select ‘Smartcare by Cigna’. If you want us to reach out to you with a comprehensive summary of Smartcare by Cigna, click here to receive a callback from a Cigna Executive.

You can choose your maximum annual cover, co-insurance and select add-ons such as vision, dental and wellbeing.

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