Search Contact us عربي
  • United Arab Emirates

    Businesses

    Kingdom of Saudi Arabia

    Businesses

    Oman

    Businesses

    Lebanon

    Businesses

    Bahrain

    Businesses

    Kuwait

    Businesses

    Qatar

    Businesses
  • Plans & Services

    Government
  • United Arab Emirates

    Individuals and Families
  • Healthcare Providers
  • Brokers
  • Blogs
  • Wellness

  • About Us

  • Businesses

  • Government

  • Individuals and Families
  • Healthcare Providers
  • Brokers
  • Blogs

  • Wellness

  • About Us
    • Home Businesses UAE

    SmartCare

    SmartCare: Flexible Group Health Insurance for Employees in the UAE

    Invest in your employees’ health and well-being with comprehensive group health insurance plans tailored to their unique medical needs in the UAE.
    Get a quote or contact us for more information
    Contact usGet a quote

    SmartCare by Cigna Healthcare: Comprehensive support at every step

    SmartCare provides locally compliant and flexible group health insurance plans tailored for small and medium enterprises (SMEs), as well as large corporates. Powered by Neuron, a trusted third-party administrator in the Middle East, SmartCare offers comprehensive coverage that supports your employees’ every need.

    Explore the benefits of SmartCare

    SmartCare by Cigna offers several benefits to its customers:

    • Open-access network of over 3,000 healthcare providers in the UAE.

    • 24/7 expert multilingual support.
    • Pre-existing and chronic conditions are covered up to the annual limit.

    • Employee Assistance Program, offering support for emotional and physical well-being, home-life needs, legal and financial guidance, as well as career concerns.
    • Clinical Case management to help members find the right care path.

    SmartCare by Cigna App

    SmartCare by Cigna App allows members to take charge of their healthcare needs anytime and anywhere, managing their well-being even when they are running on a busy schedule.

    Smartcare by Cigna App features

    • Find your nearest care providers easily.
    • Submit claim requests
    • Book doctor’s appointments.
    • Tru-Doc app integration allows for Medical Tele-Consultations with Licensed Doctors
    • Access health and wellness experts based on your unique needs.

    SmartCare health insurance plan comparison

    Area of cover Plan suitable for Pre-existing and Chronic conditions Out-patient co-insurance Maternity benefits Dental & vision benefits Wellness benefits

    GlobalCare

    1. Area 1: Worldwide

    2. Area 2: Worldwide excluding USA

    3. Area 4: GCC, Arab countries, Middle East, Indian sub-continent, Southeast Asia countries and Africa

    Large corporates

    Optional

    Optional

    GlobalCare Flexible

    1. Area 1: Worldwide

    2. Area 2: Worldwide excluding USA

    3. Area 4: GCC, Arab countries, Middle East, Indian sub-continent, Southeast Asia countries and Africa

    Small & medium enterprises

    Optional

    Optional

    SmartCare

    Regional cover - Middle East, Indian sub-continent, and the Philippines*, Regional + Home Country (excluding USA) 

    Worldwide excluding USA

    Large corporates and Small & medium enterprises with more than 9 employees

    Optional

    Optional

    SmartCare Micro

    Regional cover - Middle East, Indian sub-continent, and the Philippines

    Regional + Home Country (excluding USA)

    Small enterprises with 2 – 9 employees

    Optional

    Why choose Cigna Healthcare?

    Fortune 500 brand

    Choose health insurance plans from a company backed by a brand ranked 14th on the 2026 Fortune 500 list.

    Strong global and local networks

    Access a network of over 3,000 healthcare providers in the UAE, over 5,000 in the Middle East, and 1.5 million globally.

    Experience you trust

    Leverage our expertise with a heritage of over two centuries in healthcare, having served people for over six decades globally and over two decades in the Middle East.

    Round-the-clock service

    Access multilingual customer support 24/7, 365 days a year.

    Hear from our customers
    Quote IconQuote Icon
    "I would like to thank Cigna Healthcare team for all the guidance. The whole process was very simplified, well guided and your guidance is highly appreciated. Looking forward to a healthy and positive relationship with Cigna Healthcare."

    Ali
    Quote IconQuote Icon
    "Thanks a lot for the assistance and support I received from your team. I wish you guys all the best in making more patients smiling and happy again."

    Cigna Healthcare Member
    Quote IconQuote Icon
    "By way of feedback on the support provided by your team, who has been extremely cooperative, caring , professional and most importantly, responsive to all my needs. The level of assistance provided by your team and the swift response to all matters are highly appreciated."

    Cigna Healthcare Member

    Related blogs

    Frequently asked questions

    How do I choose between SmartCare by Cigna and GlobalCare Flexible for my business?

    Both SmartCare by Cigna and Globalcare Flexible are designed for small and medium-sized enterprises (SMEs) in the Middle East. 
    SmartCare focuses on providing regional group health insurance within the Middle East, with optional coverage in employees' home countries (excluding the USA), serviced by Neuron, a leading TPA in the UAE. 
    GlobalCare Flexible offers comprehensive international health insurance, covering employees from the GCC to regions worldwide, ensuring flexibility and global reach.

    What services are covered under SmartCare plans?

    SmartCare covers in-patient and out-patient treatments, emergency care, maternity services, and preventive care check-ups. Optional wellness, dental, and optical care modules are also available to help enhance your coverage

    Coverage for pre-existing conditions can vary based on the selected plan. Review each plan’s details and consult our experts for clarification.

    How can a company enroll for SmartCare?

    Companies can contact the Cigna Healthcare sales team or authorized brokers to discuss their requirements and obtain a quote.

    Is there a waiting period before coverage begins?

    Waiting periods may apply for certain services or conditions. Review the plan for details.

    How long does it take to process claims?

    Typically, it takes up to seven days for your claim to be processed, and a further five to seven working days for the bank transfer to be received in your account.

    What documents are required to file a claim?

    The documents you require to file a claim include a filled and signed claim form, original medical bills, a clear diagnosis by a doctor, receipts, and prescriptions, if applicable. For any cash claim, we will reimburse the member. Please note that plan benefit restrictions may apply. These can include coverage limits, coinsurances, exclusions, etc.

    Which preventive care services are covered under SmartCare?

    Preventive care includes vaccinations, routine check-ups, cancer screenings, and wellness assessments.

    What coverage options does SmartCare provide for my team?
    SmartCare offers various options for maximum annual coverage, coinsurance, and more. You can enhance your group health insurance plan with add-ons such as vision, dental, and well-being coverage. These options ensure comprehensive health insurance for employees in the UAE, addressing all aspects of their healthcare needs.
    What does the Clinical Care team do?

    Our Clinical Care team is here to protect your employees and improve their health outcomes, as well as optimize your healthcare investment. Our Clinical Care team works with four missions in mind:

    • Making the most of your healthcare spending.
    • Ensuring employees get the best possible care.
    • Overseeing treatment plans to prevent waste and abuse.
    • Driving better health outcomes.
    Contact Us

    • Whether you wish to speak to our sales team or get general help if you are an existing Cigna member, we can get you to the right information.

    • Contact Information
    Popular Links
    Resources
    Login

    • Existing Member? Login and manage your account with the Cigna Envoy® website

    • Login

    © Cigna Healthcare. All rights reserved.

    Cigna Healthcare and Cigna HealthcareSM (Cigna Healthcare) are registered service marks of The Cigna Group and/or one of more of its subsidiaries. Products and services are provided by these subsidiaries, affiliates and other contracted companies and not by The Cigna Group. The material provided herein is provided for information purposes only and is believed accurate as of the date of publication, and is subject to change. This material should not be relied upon as legal advice. Products and services may not be available in all jurisdictions and are expressly excluded where prohibited by applicable law. The material provided herein is only a general description of benefits. Please consult your policy booklet or contact Cigna Healthcare for a complete listing of policy coverage and applicable exclusions and limitations. Cigna Healthcare does not provide medical care and cannot predict medical outcomes.