Cigna Essential Benefits Plan

Cigna Essential Benefits Plan for Individuals

The Essential Benefits Plan provides Lower Salary Band (LSB) individuals earning AED 4,000 or less with basic and affordable health cover to uphold their well-being.

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Work with transparency, integrity, and an unwavering commitment to the health of our customers

Explore our Basic Health Insurance Plan

Cigna’s Essential Benefits Plan (EBP) strives to provide quality health care benefits to residents of Dubai. Furthermore, our perseverance in offering innovative, cost-effective, and resilient healthcare benefits to customers has been affiliated by Dubai Health Insurance Corporation (DHIC) with the grant of Participating Insurer (PI) license in January 2022.

Essential Benefits Plan (EBP) is the latest addition to our existing range of healthcare insurance solutions accessible to both Lower Salary Band (LSB) and non-LSB individuals in Dubai.

Benefit Detail
Annual maximum AED 150,000
Pre - existing and Chronic Conditions Covered - Waiting period of 6 months applies except for members previously insured within the UAE
Geographical Scope UAE
In Abu Dhabi, coverage is on an Emergency basis only
Direct Billing Network Value lite
250+ Hospitals and Clinics
500+ Pharmacies
Maternity 10% co-insurance
AED 7,000 on normal delivery
AED 10,000 for medical necessary C-section
Co-insurance 20% on In-Patient up to AED 500, with aggregate cap of AED 1,000
20% on Out-Patient
30% on Pharmacy
0% on Emergency case

Reasons to choose Cigna Essential Benefits Plan

  • Have peace of mind knowing you are covered by a deeply experienced, world-renowned health insurer

  • Designed to make health insurance affordable, simple, and predictable

  • Simple, multi-lingual tools to help you understand your plan and how to access care

  • 24/7 customer service helpline

Click here to access the full Table of Benefits including exclusions.

Click here to access the policy terms and conditions.

For access to our full network list, please click here (Please note that the network list is subject to change).

Plan Details and Requirements

What you need to pay

If you earn less than AED 4,000 per month – AED 730*

If you earn more than AED 4,000 per month – As per the table.

Age Group Male Female*
Age 0-17 1,547 1,547
Age 18-24 1,502 3,002
Age 25-29 2,122 3,622
Age 30-34 2,650 4,150
Age 35-39 2,772 4,272
Age 40-44 4,011 5,511
Age 45-49 5,212 6,712
Age 50-54 6,529 6,529
Age 55-59 9,964 9,964
Age 60+ 14,227 14,227

*Rates may differ depending on maternity status.

Document Required for Purchasing the Plan

  • Emirates ID copy for you and your sponsor

  • Passport copy for you and your sponsor

  • Visa copy for you and your sponsor

  • Previous insurance certificate (if applicable)

  • Salary certificate – for proof of a domestic worker’s salary- Click here to download a template

  • The Employee Contract of a sponsor who earns less than AED 4,000 when they are looking to insure themselves, their spouse, parents, and/or child.

  • Completed Application Form – Click here to download

Hear from Our Customers



"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."


Vitaly Yanovskiy

"We would like to thank you for the great work you and your team have done to convince us that CIGNA will be the best option for us. We have also considered other insurance companies however, due to your ultimate professionalism, swift and clear response we have finally decided in favor of CIGNA."



"I would like to thank Cigna 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."

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Frequently Asked Questions

Yes, maternity is covered under the Cigna Essential Benefit Plan and as per the DHA minimum benefits requirements. As part of your application, you must answer questions relating to your pregnancy status. The answers to these questions may impact the premium charged and failure to provide accurate answers may result in future claims being denied.

The Cigna Essential Benefit Plan is a compliant plan based on the Dubai Health Authority (DHA) minimum benefit requirements. Your benefits will include a co-insurance and/or limit on certain benefits.

Your Cigna Essential Benefits Plan network is called Value Lite. There are over 250 Hospitals & Clinics and over 500 Pharmacies. For access to our full network list, please click here (Please note that the network list is subject to change).

Click here to view the frequently asked questions.