Search Contact us عربي
  • United Arab Emirates Businesses Kingdom of Saudi Arabia Businesses Oman Businesses Lebanon Businesses Bahrain Businesses Kuwait Businesses Qatar Businesses
  • Plans & Services Government
  • United Arab Emirates Individuals and Families
  • Healthcare Providers
  • Brokers
  • Blogs
  • About Us

  • Businesses

  • Government

  • Individuals and Families
  • Healthcare Providers
  • Brokers
  • Blogs

  • About Us
  • For Businesses
  • For Individuals & Families
  • For Governments
  • For Providers
    •
    Home Businesses UAE

    Smartcare

    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.

    Get a quote or contact us for more information

    Contact usGet a quote

    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.

    Key Benefits:
    SmartCare by Cigna offers several benefits to its customers:

    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:

    • Find a provider nearby
    • Submit a claim request
    • Book a doctor’s appointment
    • Tru-Doc app integration allows for Medical Tele-Consultations with Licensed Doctors
    • 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

    Globalcare

    1. Area 1: Worldwide

    2. Area 2: Worldwide Excluding USA

    3. Area 4: GCC, Arab Countries, Middle East, Indian Sub-continent, Southeast Asia Countries and Africa

    Large Corporates

    Optional

    Optional

    Globalcare Flexible

    1. Area 1: Worldwide

    2. Area 2: Worldwide Excluding USA

    3. Area 4: GCC, Arab Countries, Middle East, Indian Sub-continent, Southeast Asia Countries and Africa

    Small & Medium Enterprises

    Optional

    Optional

    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

    SmartCare Micro

    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."

    Ali
    "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."

    Cigna Insured Member
    "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."

    Cigna Insured Member
    Related blogs
    Frequently Asked Questions
    How do I choose between SmartCare by Cigna and GlobalCare Flexible for my business?

    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.

         What coverage options can SmartCare by Cigna provide for my team?

    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.

         What does Clinical Care team do?

    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.

    Request a Quote

    What describes you best?

    Business

    Explore health insurance plans for businesses (Large corporates, small & medium enterprises)

    Cigna Healthcare Middle East provides tailored, flexible, and comprehensive health care solutions designed for large corporations and SMEs. Our locally compliant group health insurance plans ensure that your business’s and employees' health care requirements are fully met.

    Health coverage ?*

    Needing to Insure*
    This is my first insurance policy

    By submitting this form, I confirm that I agree to Cigna Healthcare's use and/or transfer of personal data for direct marketing purposes, unless otherwise indicated by ticking the box below. I have read and accepted the Personal Information Collection Statement of Cigna Healthcare.

     I accept the privacy policy
    Individuals/Family

    Apply for individuals & families health insurance

    Cigna Healthcare offers individual and family medical insurance plans that provide world-class benefits and quality care for you and your loved ones. With comprehensive international coverage and a trusted network of local hospitals, clinics, and doctors, our plans ensure you and your family receive 24/7 customer care and reliable health care services.

    Need to Insure

    By submitting this form, I confirm that I agree to Cigna Healthcare's use and/or transfer of personal data for direct marketing purposes, unless otherwise indicated by ticking the box below. I have read and accepted the Personal Information Collection Statement of Cigna Healthcare.

     I accept the privacy policy
    Government

    Discover health insurance plans tailored for government organizations

    Government health insurance plans by Cigna Healthcare deliver quality health care and peace of mind for citizens living or traveling abroad. Our plans ensure that they receive the best possible care worldwide.

    Health coverage ?*

    Needing to Insure*
     Check this box if this is your first health insurance policy

    By submitting this form, I confirm that I agree to Cigna Healthcare's use and/or transfer of personal data for direct marketing purposes, unless otherwise indicated by ticking the box below. I have read and accepted the Personal Information Collection Statement of Cigna Healthcare.

     I accept the privacy policy
    Contact Us

    Whether you wish to speak to our sales team or get general help if you are an existing Cigna member, we can get you to the right information.

  • Contact Information

    •
    Popular Links
    Resources
    Login

    Existing Member? Login and manage your account with the Cigna Envoy® website

  • Login

    • Follow Us

    © 2025 Cigna Healthcare. All rights reserved.

    Cigna Healthcare and Cigna HealthcareSM (Cigna Healthcare) are registered service marks of The Cigna Group and/or one of more of its subsidiaries. Products and services are provided by these subsidiaries, affiliates and other contracted companies and not by The Cigna Group. The material provided herein is provided for information purposes only and is believed accurate as of the date of publication, 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 Healthcare for a complete listing of policy coverage and applicable exclusions and limitations. Cigna Healthcare does not provide medical care and cannot predict medical outcomes.