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    Home Businesses UAE

    Smartcare Micro

    SmartCare Micro – Simple and accessible health care solution

    An comprehensive and flexible health insurance plan designed to put you and your employees first.

    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 healthcare, 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

    Experienced client management team provides support when you need it

    Explore Our SmartCare Micro Plan

    Small and mid-sized companies looking for a reliable, flexible plan need to look no further than our SmartCare Micro Plan. Designed for companies and organizations with 2-9 employees, the SmartCare Micro Plan has built-in benefits.

    Plus, to ensure seamless services, SmartCare Micro is supported by a dedicated Neuron team in the UAE. Neuron is a leading third-party administrator in the Middle East region.

    Key Benefits:

    SmartCare Micro plan 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 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
    "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
    "I’d like to commend the Cigna team for their professionalism and thoroughness in handling my query and the ensuing transaction."

    Mounir
    "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

    Related blogs

    Frequently asked questions

    What does SmartCare by Cigna plan cover?

    SmartCare by Cigna offers comprehensive health insurance benefits for employees in the UAE, including:

    • In-patient and out-patient care
    • Maternity and newborn care
    • Preventive screenings and DHA-mandated tests
    • Emergency medical treatment
    • Dental and vision benefits
    • Wellness programs and lifestyle support

    For complete details on covered benefits, please refer to your SmartCare by Cigna plan guide.

    What is the Employee Assistance Program?

    TheEmployee Assistance Program under SmartCare by Cigna provides confidential counselling support to employees for personal and workplace-related challenges, including:

    • Coping with the loss of a loved one
    • Managing anxiety and depression
    • Handling workplace stress
    • Couples’ and family support
    • Balancing work and personal life

    Counselling is available via phone or in-person sessions within the UAE.

    What is co-insurance in health insurance?

    Co-insurance, also known as co-payment is a percentage of healthcare costs that a member pays, while the insurance provider covers the remaining amount. Under SmartCare by Cigna, co-insurance may apply to out-patient consultations, and treatments, depending on your specific plan and network usage. Please check your Table of Benefits for applicable co-insurance rates.

    What are the additional health insurance benefits that Cigna offers?

    SmartCare by Cigna includes a range of additional health insurance benefits for employees, such as:

    • Wellness programs and lifestyle support
    • Maternity and newborn care
    • Preventive screenings and DHA-mandated tests
    • Dental and vision benefits
    • Chronic condition management and ongoing care support

    For detailed benefit coverage, please refer to your SmartCare by Cigna plan guide.

    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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    © 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.