Ranked #13 on
Fortune 500 List
Global Health Solutions: Middle East
Healthcare plans for Small
and Medium Business
Affordable insurance plans for SMEs in the Middle
East: flexible, locally compliant cover from the
Middle East region to all over the world.
Cigna is a global healthcare leader, providing flexible and locally compliant small business health plans for companies like yours. For SMEs in the Middle East, we offer two plans: Smartcare by Cigna and Globalcare Flexible.
Globalcare Flexible brings our world-renowned global plans to businesses looking for a global cover for their employees
Smartcare by Cigna is made for the Middle East region, designed with a focus on value. Serviced by Neuron*, it brings Cigna’s global healthcare expertise to businesses looking for regional cover.
Both of these are flexible employee health insurance plans made for SMEs in the Middle East.
*Neuron is a leading medical third-party administrator (TPA) in the UAE, with one of the largest medical provider networks in the region.
Smartcare by Cigna
Smartcare by Cigna offers great value on regional health insurance for your team, and features an add-on for expats - cover in their home country as well. It is serviced by Neuron, a third-party administrator with one of the biggest medical provider networks in the UAE
View Plan Details USD 136,000 to USD 1,360,000
Maximum Annual Cover
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GCC Countries (Saudi Arabia , UAE ,
Kuwait , Oman , Bahrain and Qatar) ,
Jordan , Lebanon , Egypt, Tunisia ,
Morocco , Algeria, Libya, India,
Pakistan, Sri Lanka, Bangladesh,
Korea, the Phillipnes, Thailand,
Indonesia, Nepal & Bhutan
Annual maximum cover – up to AED 5 million
-
Pre-existing and chronic conditions covered*
-
Private accommodation for daycare and in-patient treatment
-
Full coverage up to plan maximum for cancer, with no co-insurance
-
Regional cover for your employees in the UAE
-
Open-access network: access to all in-network providers
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24/7 telehealth services at no additional cost
-
Clinical case management services
-
Digital servicing tools for employers and employees
* Up to AED 250,000
Globalcare Flexible
Cigna’s Globalcare Flexible is our global group insurance plan (all countries), and provides healthcare protection for your employees from the GCC to all over the world - the choice is yours.
View Plan Details USD 1,500,000 to USD 7,500,000
Maximum Annual Cover
See More
GCC Countries (Saudi Arabia , UAE ,
Kuwait , Oman , Bahrain and Qatar) ,
Jordan , Lebanon , Egypt, Tunisia ,
Morocco , Algeria, Libya, India,
Pakistan, Sri Lanka, Bangladesh,
Korea, the Phillipnes, Thailand,
Indonesia, Nepal & Bhutan
-
Pre-existing and chronic conditions covered, up to annual limit
-
Private accommodation for daycare and in-patient treatment
-
Full coverage for cancer up to the plan maximums; no co-insurance
-
Cover from GCC to global, based on your preference
-
24/7 telehealth services at no additional cost
-
Clinical case management services
-
Employee access to the Cigna Wellbeing App
-
Manage their plans through Cigna EnvoyTM
*Please note that a co-insurance may apply at select providers
why choose cigna?
180M customer and
patient relationships
worldwide
225+ year heritage in healthcare,
17+ years in the Middle East
Cigna Small Business Group Health Insurance Features You'll Love
Our 180M customers love these
small business group health
insurance features
Employee Assistance
Program (EAP)
Digital Healthcare
Member App And Portal
Pre-Existing
Chronic Conditions
Employee Assistance Program (EAP)
Professionals are on hand to assist insured members
(both employees and their families) with constant
support to ensure their wellbeing. Topics include
handling stress, dealing with a major life change,
striking a work-life balance, surviving loss, workplace
pressure, and more.
Support through EAP is free and confidential, and
available 24 hours a day, 7 days a week, 365 days a year.
Any employee at your company can contact EAP for live
assistance, including short-term professional counselling
and telephonic support.
Digital Healthcare
With a full suite of app-based healthcare tools,
your employees can consult doctors anytime,
from anywhere. They’ll be able to check worrying
symptoms, and get questions answered at no additional
cost through our telehealth services.
They will be able to do all this from home; a feature that
employees living in our post-pandemic world will appreciate.
Member App And Portal
The key component of our suite of digital servicing
tools, a dedicated member app and portal—gives every
employee instant access to their plan features.
Using the app or website, they can submit claims, track
these claims, search for healthcare providers and explore plan
features. This will be their go-to for all information relating
to their healthcare plan.
Pre-Existing Chronic Conditions
Not everyone at your organization is healthy on the
day your insurance plan’s coverage begins. If someone
within your team is currently dealing with chronic or
pre-existing issueslike diabetes or heart disease, they
don’t need to wait before these are covered.
Every pre-existing condition is covered by Cigna right from day 1.*
*T&C apply. Contact a Cigna sales representative to learn more.Clients Describe Our Services For Small Businesses
Father of a 32-week
premature baby
Over the past 8 months, I’ve had a great
experience with Cigna…. [The Cigna
Representative] is very gentle, caring,
trustworthy and reflects Cigna’s priority
- my daughter’s wellness.
Cigna customer, who went
through Covid
[The Cigna Nurse] was very supportive, and in
direct contact with the patient, his family
members, and the hospital. He was available
all night for any emergency.
Cigna customer with
cervical spondylosis
By way of feedback on the support provided
by your team especially [the doctor provided
by Cigna], who has been extremely
cooperative, caring, professional and
responsive to all my needs.
Frequently Asked Questions
Insurance Plan for a
Small Business?
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.
- 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
- Ensure that digital facilities like online claims submissions are available
- Get an insurance plan with 24/7 customer service channels
- Make sure a dedicated client management team is available
- Check if there is support for employees’ mental wellbeing as well
Information On Smartcare by Cigna?
Click on the ‘details’ tab on the top of this page, and then select ‘Smartcare by Cigna’. If you want us to reach out to you with a comprehensive summary of Smartcare by Cigna, click here to receive a callback from a Cigna Executive.
Smartcare by Cigna Provide For My Team?
You can choose from multiple options for maximum annual cover, co-insurance, and the like. You can also pick the add-ons you want, such as vision, dental, wellbeing, etc.
Other Cigna sites
Cigna Company Info
Cigna® and Cigna® (Cigna) are registered service marks of Cigna Corporation and/or one of more of its subsidiaris. Products and services are provided by these subsidiaries, affiliates and other contracted companies and not by Cigna Corporation. The material provided herein is provided for information purposes only and is believed accurate as of the date of publicatin, 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 for a complete listing of policy coverage and applicable exclusions and limitations. Cigna does not provide medical care and cannot predict medical outcomes.
© 2021 Cigna. All rights reserved.
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