Healthcare services in Kuwait through the healthcare public sector are free for Kuwaiti and GCC nationals. However, health insurance is mandatory for all expatriates in Kuwait.

An Emergency is defined as the sudden onset of an illness, injury or medical condition manifesting itself by acute symptoms of sufficient severity (including severe pain) requiring immediate and unscheduled medical care, and if left untreated, could result in placing the person’s life and/or health in serious jeopardy; serious impairment to bodily functions; serious dysfunction of a bodily organ or part; serious disfigurement; or in the case of a pregnant woman, serious jeopardy to the health of the foetus. It is the Emergency medical condition of the patient, not the diagnosis, which drives the necessity for immediate treatment. Symptoms must be sufficiently severe to cause the patient to seek immediate medical aid.

Cigna Globalcare medical insurance in Kuwait offers maternity services to its members. Some of the maternity benefits that members can avail are:

• Routine in-patient benefits
• Routine out-patient benefits
• Complications of pregnancy and childbirth
• Legal Abortion

Please note: Terms and conditions may apply for a few benefits

Cigna as a company aims to resolve all complaints fairly, consistently, and promptly. If any of our members or policyholders have cause to complain we will seek to deal with concerns raised as effectively and quickly as possible. Once a complaint is identified, we will be following the below process:

• You can raise a complaint by calling our Customer Service Team or by emailing complaintsMENA@cignahealthcare.com
• Your complaint will be logged and acknowledged by a dedicated Complaints Handler within 2 working days.
• The initial response will be sent to the members/providers at the registered email.
• Your complaint will be investigated thoroughly, utilizing all information and documentation available.
• We may also contact you at this stage to request for more information.
• The complaint will be assigned a specific case reference ID that will be provided to the complainant. All communication and documentation in relation to the complaint will be documented internally under this case ID and available upon request.
• The total turnaround time for us to respond to your complaint is 14 calendar days.
• Once the investigation is completed, the Complaints Handler will write to you with a full account of our investigation and our final decision.
• If you are dissatisfied with the decision reached, you can then escalate to senior management, where they will review and respond to your complaint within 2 working days.
• If you are still dissatisfied by the decision reached, you can then refer your case to the local regulatory bodies.
• Finally, if you are dissatisfied with the regulatory ruling, you are then free to pursue private legal action.

Please click here [PDF]to download the complaints form.