Cigna Offers World-Class Benefits to Individuals and Expats

Individual And Expat Health Insurance

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Cigna Offers World-Class Benefits to Individuals and Expats

Cigna insurance for individuals and expats is designed to give you additional confidence about the medical choices you make, with a global network of 1.5 million healthcare facilities. We promise to see you through demanding times with the quickest pre-authorizations and follow-up healthcare support. Letting you focus on getting back on your feet while we manage all the hassle of access to the best healthcare anywhere in the world, at any time.
Cigna Offers World-Class Benefits to Individuals and Expats



Individuals and Expats Health Insurance Plans



Cigna HealthGuard

Benefits
Regional
International
International Plus
Coverage in GCC, Middle East and Asia (excluding Singapore, Hong Kong and China)
Included
Included
Included
Worldwide coverage with the option to include cover in USA
Not covered
Included
Included
Flexibility to select your Network Tier
Included
Included
Included
Option to include Healthy Connect Module
Included
Included
Included
Option to include Mother and Baby Care Module*
Included
Included
Included
Overall annual benefit limit
AED 2,750,000
AED 7,350,000
Unlimited**
Regional
International
International Plus
Download Brochure
*Eligibility Criteria Apply
**Some benefits have individual limits

No matter where in the world you travel to, we help you be updated about the availability of medications and nutrition requirements. Our plans have been designed keeping your changing lifestyle in mind and provide ongoing counselling support, life-saving services and access to quality healthcare.

Put your health in the right hands

Learn more about our health solutions and find an affordable plan

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Frequently Asked Questions

How does Health Insurance Work?

Health insurance is a service that you pay for, to cover the costs of any kind of treatment for injury or illness, across a network of hospitals and healthcare facilities. You may take a health plan yourself or be covered by your company’s insurance plan. The plan is purchased by paying monthly premiums, which correspond to the amount you are covered for.

What is Covered in Health Insurance?

Cigna health insurance offers flexible plans to suit different budgets or regions. However, all the plans have common services that include in-patient treatment, day-patient treatment, and across costs of surgery, prescriptive drugs, basic maternity care, cancer care, mental health care and sometimes dental.

What to Look for When Buying a Health Insurance?


It does pay off to investigate a little when you are selecting a health insurance plan. You must take into consideration the factors of cost, coverage, and benefit.

Cost

  • Ensure the cost of premiums are within your budget
  • Examine the cost of premiums against the average age of your family
  • Balance the cost of premiums against possible treatment costs
  • Understand the co-payment amount you would have to pay
  • Ensure they have a lifetime renewability clause

Coverage

  • Check the pre-existing conditions coverage in the plan
  • Ensure the plan offers an adequate network offering cashless treatment
  • Check the maternity clause and waiting period.
  • Look for pre-hospitalization and post-hospitalization facilities

Convenience

  • Select insurance with the fastest claim processes
  • Ensure basic modern facilities like online claims submissions
  • Get access to insurance with 24/7 service channels

Need more information?

To learn more about our health solutions, you can email us at sales.healthguard@cigna.com