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    Home Individuals and Families UAE

    Cigna Essential Benefits Plan

    For Individuals and Families

    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.

    Get a quote or contact us for more information

    Contact usGet a quote

    Experience You Trust

    225+ year heritage in healthcare, 60 years serving people globally and 20 years in the Middle East

    Global Presence

    Coverage in 200+ countries and territories across the globe

    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 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.
    Cigna Leaf

    Reasons to choose Cigna Essentials benefits plan
    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 10,000 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
    • Have peace of mind knowing you are covered by a deeply experienced, world renowated health insurance
    • Designed to make health insurance affordable,simple and predictable
    • Simple,multi-lingual tools to help you understand your plan and how to access care
    • 24/7 customer service helpline
    • Click here[PDF] to access the full table of benefits including exclusions
    • Click here[PDF] to access the policy terms and conditions.
    • For access to our full network list please Click here[PDF] (Please note that the netwrk list subject to changes)

    Plan Details and Requirements

    What you need to pay

    If you earn less than AED 4,000 per month – AED 826.25*

    If you earn more than AED 4,000 per month – as per the table.

    *Rate is inclusive of BASMAH + HCV Patient Support Programs fees and 5% VAT
    Age Group Male Female**

    Age 0-17

    2,251.20

    2,251.20

    Age 18-24

    2,187.15

    4,431.00

    Age 25-29

    3,073.35

    5,317.20

    Age 30-34

    3,828.30

    6,072.15

    Age 35-39

    4,002.60

    6,247.50

    Age 40-44

    5,773.95

    8,018.85

    Age 45-49

    7,491.75

    9,736.65

    Age 50-54

    9,375.45

    9,375.45

    Age 55-59

    14,287.35

    14,287.35

    Age 60+

    20,382.60

    20,382.60

    **Rates may differ depending on maternity status.

    Document Required for Purchasing the Plan
    • Emirates ID copy for you and your sponsor
    • Passport copy for you and your sponsor
    • Visa copy for you and your sponsor
    • Previous insurance certificate (if applicable)
    • Salary certificate – for proof of a domestic worker’s salary- Click here [PDF] to download a template
    • 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.
    • 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."

    Madeleine

    "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."

    Vitaly Yanovskiy
    "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
    Frequently Asked Questions
    Is maternity covered under the Cigna Essential Benefit Plan?

    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.

         Do my benefits include a co-insurance?

    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.

         How many medical facilities are included in my network?

    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.

    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.

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    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.