Across the three Cigna Healthguard℠ plans, you can select any of the 4 Tiers of our UAE network of healthcare providers. Our extensive network in the UAE ranges from the General level, that excludes some of the high cost hospitals and medical practitioners, to the Comprehensive level, that gives access to all of our network of hospitals and medical practitioners within the UAE. Regardless of the network tier that you select, we have arranged claims settlement on a direct billing basis in most cases.

The Cigna Healthguard℠ Regional plan provides coverage in the UAE, other countries of the Gulf Cooperation Council (GCC), Middle East and Asia (excluding China, Hong Kong and Singapore). For additional peace of mind, our plans include emergency short-term medical coverage in a country outside of your selected area of coverage.

Yes, if you receive treatment within our healthcare provider network in the UAE we will pay the provider directly, subject to the terms of the policy and any cost share applicable on your plan. Prior authorisation is required for all inpatient and daypatient treatments and some outpatient treatments.