Cigna Medical Insurance Main Covers

Cigna Healthguard in the Middle East encompasses the entire healthcare lifecycle, from pre-hospitalization to treatment and post-hospitalization. The health insurance plan you select will depend on the regions you need coverage in (GCC countries or worldwide), and the level of hospitals covered in the network will be based on your need and budget.

All three tiers of core health insurance plans have common value-added components, across categories:

  • Inpatient and day-patient hospital treatment/accommodation
  • Outpatient consultations and tests
  • Prescription drugs and supplements
  • Mental health care
  • Cancer treatment
  • Pre-existing and chronic conditions
  • Minimum DHA prescribed maternity care
  • Out of area emergency cover
In addition to this, you may add modules according to the individual requirements. As a busy officegoer, you may want to add regular checkups with the Health Connect module. If you are planning for family health insurance, then the maternity and newborn care will provide extended support throughout the process. As an expatriate, the medical evacuation and repatriation module might be critical for you.

Then there is the outpatient medical treatment option which adds value to any family unit, especially an extended one, with inclusions like specialist consultations, diagnostic tests, physiotherapy services, adult vaccinations and more.

Health Insurance Product Summary

The medical insurance plans offered by Cigna Healthguard are primarily based on the network of hospitals you would like access to and the regions that you may want coverage in. The Network Tier offers four choices:

  • General
  • General Plus
  • Comprehensive excluding American Hospital Dubai (AHD)
  • Comprehensive

The Healthguard Regional plan, which covers all GCC countries except Singapore, Hong Kong and China, offers the inclusions below.

  • Overall annual benefit limit (lower tier): AED 2,750,000
  • Coverage within the countries of the GCC, other Middle East countries and Asia (excluding Singapore, Hong Kong and China)
  • Flexibility to select your network tier
  • Optional/ Healthy Connect module
  • Optional Mother and Baby Care module

Healthguard Regional, Lebanon
Cigna offers an extensive network in Lebanon, in partnership with GlobeMed Lebanon SAL, a leading healthcare benefits management company and third-party administrator. This provides Cigna‘s customers access to GlobeMed’s vast network of over 1,600 healthcare providers across the region.

Healthguard Regional, UAE/ Kuwait/ Oman
In the UAE, Cigna has partnered with the extensive health network of Neuron, a leading third-party provider) to provide maximum healthcare facilities in each plan.

Healthguard Regional, Kingdom of Saudi Arabia
Cigna has tied up with an iconic insurer in KSA, the Saudi Arabian Cooperative Insurance Company, with 60 years of experience in the region.

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Manage Your Health Insurance Plan with the Cigna Envoy App

As a Cigna member, you can manage your healthcare plans conveniently, from any location, using the signature Cigna Envoy platform. Whether you are an employee or employer, Cigna Envoy is easily accessible on the website or through the app. Here are the benefits that make Cigna Envoy the perfect medical insurance medium.

For Cigna Employers
  • Track plan usage of your employees on the go
  • Delegate compliance uploads to the team
  • Modify employee plans or access reports at a click
For Cigna Employees
  • View or submit claims from anywhere, anytime
  • Access the list of network providers instantly
  • Connect with Cigna customer service representatives 24/7

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.

Examine the list of benefits carefully to ensure that you have selected a plan that is just right for you.

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.


  • 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


  • 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


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