Smartcare Micro

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.


Key Benefits:

SmartCare Micro plan offers several benefits to its customers:

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:

  • Find a provider nearby

  • Submit a claim request

  • Book a doctor’s appointment

  • Tru-Doc app integration allows for Medical Tele-Consultations with Licensed Doctors

  • Health and Wellness Expert Access

Plan Comparison

Area of CoverPlan Suitable forPre-existing and Chronic ConditionsOut-patient Co-insuranceMaternity BenefitsDental & Vision BenefitsWellness 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



Globalcare Flexible

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




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



SmartCare Micro

Regional cover - Middle East, Indian Subcontinent, and the Philippines

Regional + Home Country (excluding USA)

Small Enterprises with 2 – 9 Employees


Hear from Our Customers


Cigna Insured Member

"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."

Related Blogs

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.