Businesses
Businesses
Health Plans for Businesses
- Overview
- Global Health Solutions for SMEs and Large Corporates
General
- Why Cigna Middle East
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Businesses
Businesses
Health Plans for Businesses
- Overview
- Global Health Solutions for SMEs and Large Corporates
General
- Why Cigna Middle East
- Blog
- Contact Us
Businesses
Health Plans for Businesses
- Overview
- Global Health Solutions for SMEs and Large Corporates
General
- Why Cigna Middle East
- Blog
- Contact Us
Businesses
Health Plans for Businesses
- Overview
- Global Health Solutions for SMEs and Large Corporates
General
- Why Cigna Middle East
- Blog
- Contact Us
Businesses
Health Plans for Businesses
- Overview
- Global Health Solutions for SMEs and Large Corporates
General
- Why Cigna Middle East
- Blog
- Contact Us
Government
Health Plans for Governments
- Overview
- Plans & Services
General
- Why Cigna Middle East
- Blog
- Contact Us
Individuals and Families
Health Plans for Individuals and Families
- Overview
- Comprehensive Health Solutions for Individuals
- Basic Mandated Health Solutions for Individuals
General
- Why Cigna Middle East
- Blog
- Contact Us
About Cigna Middle East
- Corporate Profile
- Cigna Insurance Saudi Arabia
- Health Literacy Hub
- Thought Leadership
- Careers
- Emiratization
General
- Why Cigna Middle East
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Businesses
Government
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Wellness
About Us
Health Literacy Hub
Your health plan offers more than you may realize – unlock its full potential.
Get clear, trusted guidance on how your Cigna Healthcare plan works. Make informed decisions, get care faster, and protect your wellbeing every day.
Educate. Simplify. Support. Empower.
Understand the basics
Learn what your plan covers and how to use it effectively
Navigate care with ease
Find the right doctor, submit claims, and access support services quickly
Use digital tools smarter
Discover the apps and features designed to make healthcare simpler
Make informed decisions
Get clarity on costs, coverage, and care options
Health Insurance Literacy, Season 1 - Episode 1: Understanding my network
Discover how health care networks work, and why knowing your network helps employees access care more smoothly.
Special Episode: Support during uncertain times
What is Open Access network - SmartCare by Cigna
Direct billing, co-pay, reimbursement
Understanding co-pay
Selecting the right doctors
When to visit the ER
Understanding Telehealth – trusting it
Keeping medical inflation in check
How to understand your plan & coverage
Understanding Pre-Authorization
Why you should understand your healthcare plan
Only 20% of people feel confident in their health insurance knowledge. Most people feel like they don’t fully understand their own coverage plans.
25% find terms like “deductible” and “coinsurance” hard to understand. Even basic insurance language can be confusing without clear communication.
Nearly two-thirds avoid changing plans because it’s too stressful. 62% find plan choices overwhelming, leading many to stay in plans that may not suit their needs.
75% of people who do understand their benefits are satisfied with them. Understanding directly links to satisfaction with coverage.
How to access care
Practical resources to help you understand healthcare services.
Telehealth (PDF)
Need a doctor? Use Telehealth for 24/7 expert care.
EAP on Envoy (PDF)
Your well-being matters. Contact EAP via Envoy for confidential support, anytime.
Your guide to authorizations, claims & reimbursements (PDF)
Use your Cigna Healthcare app to submit your claims in minutes.
Choosing the right care (PDF)
Knowing where to start helps you get the right care at the right time.
Before you go - checklist (PDF)
A quick check before your appointment can help everything go more smoothly.
Know your care
Empowering you with knowledge to make the right care decisions.
Telehealth, EAP, or Psychiatric? (PDF)
Know what to use. A quick guide to your care options.
Search less, know more with our Health & wellness library (PDF)
Your go-to for everyday health answers.
Traveling abroad? (PDF)
Stay prepared with Safe Travel by Cigna.
ConnectForHealth (PDF)
Press play on real life guidance. Expert conversations for everyday struggles.
The Health Knowledge Series
Health literacy is an essential part of health care. For example, good health literacy enables people to know why, how, and when to get preventive care, like screenings or vaccines, to understand dosage instructions, and to be aware of the adverse reactions that are associated with their medications.
By taking proactive steps to educate and support employees and their families, employers can help ensure a more informed workforce, leading to happier and healthier employees.
New research from Cigna Healthcare delves into the importance of health insurance literacy, which is the ability to understand, evaluate, and use health insurance information to make informed decisions.
Enhancing understanding of benefit plans can increase care utilization and improve health and vitality.
Cigna Healthcare has an unwavering focus on health literacy, and using plain language rather than jargon is a big part of that. While clear communications with our customers is always top of mind, Cigna Healthcare emphasizes plain language, engaging employees and showing them ways to communicate clearly and empower our customers to move toward better health.
The approach combines innovative communication, strategic leadership, and tangible results with employee benefits education.
Useful links for employers and brokers
Empower your employees or clients with better health insurance literacy. When employees understand their health plans, they use benefits more proactively, improving well-being, reducing surprises, and delivering stronger ROI.
ConnectForHealth - Unlocking Health Literacy: How to Take Control of Your Health & Health Insurance
A quick guide on understanding your health, navigating health insurance, and making informed decisions with confidence. Learn simple steps to boost your health literacy so you can take charge of your well-being and get the most out of your coverage.
Speaker: Dr Johannes Wimmer
Guides and quick resources
Health insurance basics
Learn more about health insurance basics, including key terms and coverage essentials, in a simple, easy-to-follow guide. Middle East Africa
Your coverage explained
Understand your health coverage with a clear guide that explains what’s included and how it works. Middle East Africa
Your guide to authorizations, claims & reimbursements
Discover how health care requests and payments are handled from start to finish. Middle East Africa
Choosing the right care path
Find out how to choose the right healthcare option based on your needs and situation. Middle East Africa
Managing preventative and chronic care
Get informed about whether your health plan covers preventive and chronic care, and what those services mean for you. Middle East Africa
Well-being & digital tools guide
Explore about digital tools that can support your health and simplify your care. Middle East Africa
ABC of Care
Essential healthcare terms explained
Deductible
The amount you must pay out of pocket each year before your insurance starts covering costs.
Pre‑authorization
Approval from the insurance provider required before certain treatments, tests, or procedures are covered.
Co‑insurance
The percentage of medical costs you pay after your deductible has been met. The insurer pays the remaining share.
Co‑pay
A fixed amount you pay for a medical service, such as a doctor visit or prescription, at the time of care.
Claim
A request submitted to the insurance provider asking them to pay for a medical service you received.
Reimbursement
Money paid back to you by the insurer if you covered medical expenses upfront and filed a claim.
Network
A group of healthcare providers that have an agreement with an insurance provider to offer services. Using in‑network providers usually means lower out‑of‑pocket costs for you.
Out‑of‑pocket
The amount you pay yourself for healthcare services that are not covered by insurance, including co‑pays, deductibles, and co‑insurance.
Get in touch with us
Frequently Asked Questions
You can log in to your Cigna Envoy® or SmartCare by Cigna member portal or app to view plan details, find providers, submit and track claims, and access digital member tools.
There are two main ways: Cashless claims: you use an in-network provider that bills Cigna Healthcare directly. Reimbursement claims: you pay upfront and later submit documents for reimbursement.
If you go to a network hospital that accepts direct billing, Cigna Healthcare will settle your treatment bills directly with the provider. You don’t need to pay upfront for covered services.
Cigna Envoy® lets you: - Find doctors and facilities... - Submit or view claims status... - Access health-related tools and resources... - Manage your digital ID and benefits... ... all in one place online or via the app.
Plans in the Middle East include services such as well-being programs, telehealth, chronic condition management, decision support, and clinical care support to help improve health outcomes.
Consider factors such as cost, coverage level, benefits offered, ease of digital tools and claims support, and network reach. All of these help you select a plan that best meets your healthcare needs.
In Dubai and Abu Dhabi, employers must provide health insurance to employees by law. If you’re on a dependent visa and not covered by an employer, you or your sponsor must arrange compliant coverage.
Cigna Healthcare Middle East plans generally include inpatient and day-patient treatment, prescriptions, maternity care, cancer care, mental health support, and more. The specific details vary according to the plan you pick.
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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
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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.
