SmartCare by Cigna – Flexible group health insurance plan for employees
Invest in your employees' health and well-being with comprehensive group health insurance plans tailored to their needs in the UAE.
Strong global and local networks
Access to over 3,000 healthcare providers in the UAE and over 5,000 in the Middle East
Experience you trust
225+ year heritage in health care, 60 years serving people globally and 20 years in the Middle East
Round-the-clock service
24/7/365 access to multilingual customer service experts
People first
Work with transparency, integrity, and an unwavering commitment to the health of our customers
Explore Our SmartCare Health Insurance Plan for Your Employees
SmartCare by Cigna provides flexible group health insurance plan tailored for small and medium enterprises (SMEs) and large corporates. Offering comprehensive annual coverage and valuable benefits, it supports your employees' health care needs.
Powered by Neuron, a trusted third-party administrator in the Middle East, SmartCare by Cigna ensures seamless access to a wide range of benefits.
Our Open-access network unlocks a tiered network strategy that allows SmartCare members to access over 3,000 healthcare providers within Cigna Healthcare network in UAE, subject to any applicable co-insurance.
- Pre-existing and chronic conditions covered, up to the annual limit
- Clinical Case management to help members find the right care path
- 24/7 expert multilingual support
- Employee Assistance Programme and LVL Wellbeing Services
SmartCare by Cigna App
The SmartCare by Cigna App is a digital portal that allows members to take charge of their healthcare needs from anywhere and at any time. The app makes healthcare simple and enables employees to manage their wellbeing even when they are running on a busy schedule.
Key Features:
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Find a provider nearby
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Submit a claim request
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Book a doctor’s appointment
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Tru-Doc app integration allows for Medical Tele-Consultations with Licensed Doctors
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Health and Wellness Expert Access
Plan Comparison
| Area of Cover | Plan Suitable for | Pre-existing and Chronic Conditions | Out-patient Co-insurance | Maternity Benefits | Dental & Vision Benefits | Wellness Benefits | |
|---|---|---|---|---|---|---|---|
Area 1: Worldwide Area 2: Worldwide Excluding USA Area 4: GCC, Arab Countries, Middle East, Indian Sub-continent, Southeast Asia Countries and Africa | Large Corporates | Optional | Optional |
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Area 1: Worldwide Area 2: Worldwide Excluding USA Area 4: GCC, Arab Countries, Middle East, Indian Sub-continent, Southeast Asia Countries and Africa | Small & Medium Enterprises | Optional | Optional |
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SmartCare | Regional cover - Middle East, Indian Subcontinent, and the Philippines*, Regional + Home Country (excluding USA) Worldwide excluding USA | Large Corporate and Small & Medium Enterprises with more than 9 Employees | Optional | Optional |
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Regional cover - Middle East, Indian Subcontinent, and the Philippines Regional + Home Country (excluding USA) | Small Enterprises with 2 – 9 Employees | Optional |
Hear from Our Customers
"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."
"Thanks a lot for the assistance and support I received from your team. I wish you guys all the best in making more patients smiling and happy again."
"By way of feedback on the support provided by your team, who has been extremely cooperative, caring , professional and most importantly, responsive to all my needs. The level of assistance provided by your team and the swift response to all matters are highly appreciated."
Frequently Asked Questions
Both SmartCare by Cigna and Globalcare Flexible are designed for small and medium-sized enterprises (SMEs) in the Middle East.
SmartCare focuses on providing regional group health insurance within the Middle East, with optional coverage in employees' home countries (excluding the USA), serviced by Neuron, a leading TPA in the UAE.
GlobalCare Flexible offers comprehensive international health insurance, covering employees from the GCC to regions worldwide, ensuring flexibility and global reach.
SmartCare by Cigna offers various options for maximum annual cover, co-insurance, and more. You can enhance your group health insurance plan with add-ons such as vision, dental, and wellbeing coverage. These options ensure comprehensive health insurance for employees, addressing all aspects of their health care needs.
Our Clinical Care team is here to protect your employees and improve their health outcomes as well as optimizing your health care investment. Our Clinical Care team works with four missions in mind:
- Making the most of your health care spend
- Ensuring employees get the best possible care
- Overseeing treatment plans to prevent waste and abuse
- Driving better health outcomes.