GlobalCare: Corporate International Health Insurance in the UAE

Global health insurance provides medical coverage across multiple countries or regions. It can help internationally mobile employees access eligible healthcare while working, living or travelling outside their home country, subject to the plan’s coverage area, terms, limits and exclusions. The GlobalCare plan from Cigna Healthcare offers coverage options that include multiple countries and regions.

The GlobalCare health plan offers in-patient and day-care hospital treatment and accommodation. It also covers pre-existing and chronic conditions up to the annual policy limit and provides clinical case management to help members find an appropriate care path. Dental, vision and wellness benefits may be available as optional benefits, depending on the selected plan.

Because coverage, limits and exclusions can vary, employers should review the policy documents for complete plan details.

Global medical insurance allows a company to provide group healthcare coverage for employees who are based in or travel between different countries. The employer selects a plan and coverage area that reflect its workforce’s needs, while covered employees can access eligible care through the insurer’s provider network and available member services. GlobalCare also provides dedicated sales, client management and service teams to support large corporate customers.

Some of the additional wellness benefits that are offered by Cigna Healthcare medical insurance plans in UAE are:

• Access to the Cigna Wellbeing App
• Access to Telehealth services
• Online health and wellbeing assessments
• Onsite wellness seminars
• International Employee Assistance Program
• Case management
• Chronic condition management
• In-hospital nurse case management
• Decision support program
• Global and local capabilities
• Clinical care support

Here are the differences between inpatient, day care, and outpatient treatment:

• Inpatient treatment: Treatment at a hospital where the member has to stay in a hospital bed for one night or more, depending on the medical condition.
• Day care treatment: Treatment at a hospital day-care unit, or outpatient clinic, where the member requires a procedure, is eligible for benefit, necessitating admission to a hospital bed but not requiring an overnight stay.
• Outpatient treatment: Treatment given by a medical practitioner at an outpatient clinic, a medical practitioner’s consulting room, or in a hospital where the member is not admitted to a bed.

Cigna GlobalCare offers maternity services to its members. Some of the benefits that they may avail, subject to terms and conditions, are:

• Routine inpatient benefits
• Routine outpatient benefits
• Complications of pregnancy and childbirth
• Legal abortion

Health insurance has been mandatory across all emirates in the UAE for private-sector employees and domestic workers since January 1, 2025.