Updated September 28, 2026 · AssureCue Editorial Team
Bayzat vs Cigna Global
Where Bayzat and Cigna Global differ
| Compare |  Bayzat |  Cigna Global |
|---|---|---|
| Insurance types | Auto, Health, LifeCovers more | Health |
| Provider type | Broker | Insurer |
| Claims channels | Mobile app, Account manager | Online, Email, Post, Fax, Phone |
| Age range | 18+ | 18 and above, no upper age limit |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | $0 |
| Cover limit | Not confirmed | USD 500,000 (Close Care) to USD 2,000,000 (Gold) annual overall benefit maximum per beneficiary per period of cover |
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Key differences
- Cigna Global scores higher overall: 9.4 vs 8.8.
- Cigna Global is available in 33 more countries.
- Insurance types: only Bayzat offers Auto, Life.
- Claims channels: only Bayzat offers Mobile app, Account manager.
- Claims channels: only Cigna Global offers Online, Email, Post.
- Support channels: only Bayzat offers Chat.
Our verdict on each
Bayzat
Bayzat is a broker in the UAE for customers aged 18+ who want auto, health and life cover on one account. Claims run through mobile app and account manager, so it suits people who want a named account manager rather than a claims inbox.
Cigna Global
Cigna Global is a Guernsey insurer writing health cover for expats and seniors, with an annual overall benefit maximum set per beneficiary per period of cover. The excess starts at $0 and monthly payments are available, so it suits buyers who prefer to spread the premium.
Score breakdown
| Area | Bayzat | Cigna Global |
|---|---|---|
| Cost | Not confirmed | 9.4Monthly payments are available and the excess starts at $0, though the range stays within health. |
| Offer | 9.0 | 9.1Higher |
| Trust | 8.6 | 9.6Higher |
Feature by feature
| Insurance types | Bayzat | Cigna Global |
|---|---|---|
| Auto | Yes | No |
| Life | Yes | No |
| Health | Yes | Yes |
What we checked
Bayzat
- bayzat.com: 6 facts, checked September 26, 2026
Cigna Global
- cignaglobal.com: 12 facts, checked September 26, 2026
How they place
| Ranking | Bayzat | Cigna Global |
|---|---|---|
| Health insurance | 165 of 216 | 46 of 216 |
Every fact side by side
| Fact | Bayzat | Cigna Global |
|---|---|---|
| Audience | Not confirmed | Expats, Seniors |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Not confirmed | Cigna Global Insurance Company Limited |
| Headquarters | United Arab Emirates | Guernsey |
| Founded | 2012 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Bayzat | Cigna Global | Median |
|---|---|---|---|
| Excess from | Not confirmed | $0below the median | $100 |
Median across 36 listed insurance providers.
Pros and cons
Bayzat
Pros
- One account covers auto, health and life rather than separate policies per line
- Claims go through mobile app and account manager, so a named person helps
- Support spans chat, email and phone for quotes and questions
Cons
- Broader cover seekers may find auto, health and life narrower than the alternatives
- No home, travel or property cover appears in auto, health and life
- It sits in a single market from AE, so cover outside the UAE is limited
Cigna Global
Pros
- The excess starts at $0, the lowest figure in the range.
- Monthly payments are available, so the premium can be spread across the year rather than settled in one payment.
- Claims can be filed through online, email and post, including a paper route for members who keep records offline.
Cons
- The annual overall benefit maximum rises with the plan tier, from Close Care to Gold, so the widest cover carries the higher price.
- The range covers health alone, with no other lines to bundle in.
- Support runs on email, phone and help centre only.
Who each suits
Bayzat
Who it suits
- Adults in the UAE buying their first auto, health or life policy
- People who want a named account manager on mobile app and account manager
- Households who want auto and health cover on one account
Who should look elsewhere
- Home or renters insurance, where Hiscox UK covers home, renters and landlord
- Motorcycle, pet and travel cover, all in auto, home and renters
- Anyone outside AE who needs cover in a second market
Cigna Global
Who it suits
- Expats and relocating households, the two groups named in expats and seniors.
- Older members, since joining runs 18 and above, no upper age limit.
- Anyone who wants a paper claims route: online, email and post covers post and fax as well as online and phone.
Who should look elsewhere
- Good Sam Insurance Agency, which sells auto, home and renters in one place rather than health alone.
- bonus.ch, whose range covers auto, home and life.
- Oney, which pairs health with health, life and gadget.
Current offers
Cigna Global
Current offer
Discount code
10% discount on the Cigna Senior bundle: 10% discount
Bundle consists of Cigna Global Health Options silver inpatient core cover, optional outpatient cover including access to complimentary Health and Wellbeing, plus the 10% discount on the chosen plan; for those aged 60 years and above; T&Cs apply.
Source, checked September 26, 2026
Country by country
| Country | Bayzat | Cigna Global |
|---|---|---|
| Argentina | No | Yes |
| Australia | No | Yes |
| Austria | No | Yes |
| Brazil | No | Yes |
| Canada | No | Yes |
| Chile | No | Yes |
| China | No | Yes |
| Costa Rica | No | Yes |
8 of 34 countries where either is available.
Questions about each
Bayzat
What cover can I buy through Bayzat?+
Bayzat places auto, health and life cover, so a single account can hold more than one type of policy. Because the company is a broker, the policy itself sits with an insurer that Bayzat selects. Nothing in auto, health and life covers a home, a rental or a pet, so those needs sit elsewhere.
How do I make a claim?+
Claims on health cover run through mobile app and account manager, which puts a mobile app and an account manager on the route. If the app route does not suit a claim, the account manager is the alternative named in mobile app and account manager. Support questions generally run on chat, email and phone, a wider set than the claims routes.
Cigna Global
What is the excess on Cigna Global plans?+
The excess starts at $0, the lowest point in the range. Plans above the entry tier carry a higher figure, so what you pay before cover begins depends on the tier you pick within health cover.
Can I pay monthly?+
Yes, monthly payments are available and the account model is monthly. That suits members who would rather spread the premium across the year than settle it in a single payment, and the same support on email, phone and help centre applies either way.