SmartCare Micro – Simple and Affordable Healthcare Solution
An affordable and flexible health insurance plan designed to put you and your employees first.
Strong Global and Local Networks
Access to over 3,000 healthcare providers in the UAE and over 5,000 in the Middle East
Experience You Trust
225+ year heritage in healthcare, 60 years serving people globally and 20 years in the Middle East
Round-the-clock Service
24/7/365 access to multilingual customer service experts
People First
Experienced client management team provides support when you need it
Explore Our SmartCare Micro Plan
Small and mid-sized companies looking for an affordable, flexible plan need to look no further than our SmartCare Micro Plan. Designed for companies and organizations with 2-9 employees, the SmartCare Micro Plan has built-in benefits.
Plus, to ensure seamless services, SmartCare Micro is supported by a dedicated Neuron team in the UAE. Neuron is a leading third-party administrator in the Middle East region.
Our Open-access network unlocks a tiered network strategy that allows SmartCare members to access over 3,000 healthcare providers within Cigna network in UAE, subject to any applicable co-insurance.
- Pre-existing and chronic conditions covered, up to the annual limit
- Clinical Case management to help members find the right care path
- 24/7 expert multilingual support
- Employee Assistance Programme and LVL Wellbeing Services
SmartCare by Cigna App
The SmartCare by Cigna App is a digital portal that allows members to take charge of their healthcare needs from anywhere and at any time. The app makes healthcare simple and enables employees to manage their wellbeing even when they are running on a busy schedule.
Key Features:
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Find a provider nearby
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Submit a claim request
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Book a doctor’s appointment
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Tru-Doc app integration allows for Medical Tele-Consultations with Licensed Doctors
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Health and Wellness Expert Access
Plan Comparison
| Area of Cover | Plan Suitable for | Pre-existing and Chronic Conditions | Out-patient Co-insurance | Maternity Benefits | Dental & Vision Benefits | Wellness Benefits | |
|---|---|---|---|---|---|---|---|
Area 1: Worldwide Area 2: Worldwide Excluding USA Area 4: GCC, Arab Countries, Middle East, Indian Sub-continent, Southeast Asia Countries and Africa | Large Corporates | Optional | Optional |
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Area 1: Worldwide Area 2: Worldwide Excluding USA Area 4: GCC, Arab Countries, Middle East, Indian Sub-continent, Southeast Asia Countries and Africa | Small & Medium Enterprises | Optional | Optional |
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Regional cover - Middle East, Indian Subcontinent, and the Philippines*, Regional + Home Country (excluding USA) Worldwide excluding USA | Large Corporate and Small & Medium Enterprises with more than 9 Employees | Optional | Optional |
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SmartCare Micro | Regional cover - Middle East, Indian Subcontinent, and the Philippines Regional + Home Country (excluding USA) | Small Enterprises with 2 – 9 Employees | Optional |
Hear from Our Customers
"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."
"I’d like to commend the Cigna team for their professionalism and thoroughness in handling my query and the ensuing transaction."
"I would like to thank the team for all your help. You have been very helpful from the first moment onwards. The team was always available to answer all my questions by email or phone and guided me in choosing the right plan for me without pushing me towards any specific plan."
Frequently Asked Questions
Our Clinical Care team is here to protect your employees and improve their health outcomes. Our Clinical Care team works with four missions in mind:
- Making the most of your healthcare spend
- Ensuring employees get the best possible care
- Overseeing treatment plans to prevent waste and abuse
- Driving better health outcomes
Employee Assistance Program is a feature offered in the SmartCare Plan through which employees can opt for telephonic or face-to-face counselling for a range of personal topics. These discussions are confidential, and they can be related to topics such as:
- Surviving the loss of a loved one
- Managing anxiety and depression
- Managing workplace pressure
- Couples’ support
- Maintaining work-life balance, and more
Co-insurance is also known as co-payment. It is the amount that the insured pays from the pocket, as a pre-determined percentage of the total costs borne by the insurance provider.