Cigna Healthcare Essential Benefits Plan for individuals
The Essential Benefits Plan provides Lower Salary Band (LSB) individuals earning AED 4,000 or less with basic health cover to uphold their well-being.
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Explore our Basic Health Insurance Plan
Cigna’s Essential Benefits Plan (EBP) strives to provide quality health care benefits to residents of Dubai. Furthermore, our perseverance in offering innovative, cost-effective, and resilient healthcare benefits to customers has been affiliated by Dubai Health Insurance Corporation (DHIC) with the grant of Participating Insurer (PI) license in January 2022.
Essential Benefits Plan (EBP) is the latest addition to our existing range of healthcare insurance solutions accessible to both Lower Salary Band (LSB) and non-LSB individuals in Dubai.
| Benefit | Detail |
|---|---|
| Annual maximum | AED 150,000 |
| Pre - existing and Chronic Conditions | Covered - Waiting period of 6 months applies except for members previously insured within the UAE |
| Geographical Scope | UAE In Abu Dhabi, coverage is on an Emergency basis only |
| Direct Billing Network | Value lite 250+ Hospitals and Clinics 500+ Pharmacies |
| Maternity | 10% co-insurance AED 7,000 on normal delivery AED 10,000 for medical necessary C-section |
| Co-insurance | 20% on In-Patient up to AED 500, with aggregate cap of AED 1,000 20% on Out-Patient 30% on Pharmacy 0% on Emergency case |
Reasons to choose Cigna Essential Benefits Plan
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Have peace of mind knowing you are covered by a deeply experienced, world-renowned health insurer
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Designed to make health insurance accessible, simple, and predictable
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Simple, multi-lingual tools to help you understand your plan and how to access care
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24/7 customer service helpline
Click here to access the full Table of Benefits including exclusions.
Click here to access the policy terms and conditions.
For access to our full network list, please click here (Please note that the network list is subject to change).
Plan Details and Requirements
What you need to pay
If you earn less than AED 4,000 per month – AED 730*
If you earn more than AED 4,000 per month – As per the table.
| Age Group | Male | Female* |
|---|---|---|
| Age 0-17 | 1,547 | 1,547 |
| Age 18-24 | 1,502 | 3,002 |
| Age 25-29 | 2,122 | 3,622 |
| Age 30-34 | 2,650 | 4,150 |
| Age 35-39 | 2,772 | 4,272 |
| Age 40-44 | 4,011 | 5,511 |
| Age 45-49 | 5,212 | 6,712 |
| Age 50-54 | 6,529 | 6,529 |
| Age 55-59 | 9,964 | 9,964 |
| Age 60+ | 14,227 | 14,227 |
*Rates may differ depending on maternity status.
Document Required for Purchasing the Plan
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Emirates ID copy for you and your sponsor
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Passport copy for you and your sponsor
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Visa copy for you and your sponsor
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Previous insurance certificate (if applicable)
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Salary certificate – for proof of a domestic worker’s salary- Click here to download a template
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The Employee Contract of a sponsor who earns less than AED 4,000 when they are looking to insure themselves, their spouse, parents, and/or child.
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Completed Application Form – Click here to download
Hear from Our Customers
"I would like to thank the team for all your help. You have been very helpful from the first moment onwards. The team was always available to answer all my questions by email or phone and guided me in choosing the right plan for me without pushing me towards any specific plan."
"We would like to thank you for the great work you and your team have done to convince us that CIGNA will be the best option for us. We have also considered other insurance companies however, due to your ultimate professionalism, swift and clear response we have finally decided in favor of CIGNA."
"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."
Frequently Asked Questions
Yes, maternity is covered under the Cigna Essential Benefit Plan and as per the DHA minimum benefits requirements. As part of your application, you must answer questions relating to your pregnancy status. The answers to these questions may impact the premium charged and failure to provide accurate answers may result in future claims being denied.
The Cigna Essential Benefit Plan is a compliant plan based on the Dubai Health Authority (DHA) minimum benefit requirements. Your benefits will include a co-insurance and/or limit on certain benefits.
Your Cigna Essential Benefits Plan network is called Value Lite. There are over 250 Hospitals & Clinics and over 500 Pharmacies. For access to our full network list, please click here (Please note that the network list is subject to change).
Click here to view the frequently asked questions.