What are the main covers offered in GIG Health Insurance Dubai?

The following are the major covers of the GIG Smart Health Plan – Cancer and related specialist patient support program Routine dental cover Round-the-clock medical teleconsultation with qualified doctors Covers for outpatient, inpatient, and pre-existing and critical illnesses Online claim reimbursement Easy access to treatment in over 3,000 healthcare facilities in the UAE and more than 800,000 health facilities globally

What does essential benefit plan cover?

he following are the key benefits of EBP with GIG Insurance – Coverage – AED 150,000 Geographical coverage – within Dubai Health services include tests, diagnosis, treatments, and surgeries Maternity services

What are additional benefits for GIG health insurance Dubai?

The additional benefits of GIG health insurance Dubai include – Worldwide emergency medical support Personal accident cover

How can you find the documents related to the health insurance?

You can use these techniques to check out your documents related to the health insurance Step 1: Keep the membership card handy Step 2: Login to your online account and select the product that matches your membership by clicking on the relevant tab below Step 3: Once you are on the appropriate tab, find the first two digits of your reference number to navigate to the appropriate papers required. If you are facing any trouble locating your paperwork, you can easily get help by dialling 800 2926.

What are the benefits of GIG Smart Health Plan?

Listed below are some benefits of the health insurance plan – Tailored plans Cancer expenses covered High claim settlement rate Access to MY GIG application Comprehensive covers Medical assistance Network hospital: Star, Diamond, Pearl, Star Plus, and Crystal Personal accident cover Seamless connectivity

Why should you select GIG UAE health insurance?

The following are some of the main reasons to avail of GIG health insurance – Numerous health insurance policies Complimentary personal accident cover International emergency medical support

GIG Health Insurance Dubai

GIG Gulf offers excellent health insurance plans that cover the major medical expenses arising due to illness. The insurer has five customised health insurance plans for Dubai and Northern Emirates residents and four health insurance plans for Abu Dhabi residents. These health insurance plans provide coverage across hospitals, medical outlets, and clinics worldwide, ensuring that the policyholders are covered and protected in each situation.read more

Worldwide Coverage

Covid-19 Covered

Claim Assistance

The GIG Gulf health insurance policy was created more than two centuries ago in 1816, when GIG Gulf opened its doors in Paris, France. This French multinational insurance giant has spent close to 70 years in the Middle East market, offering competitively medical insurance price and international scope of coverage that very few insurance providers could hope to cover.

GIG Gulf medical insurance can be availed of across numerous GCC countries such as Oman, Bahrain, Qatar, and the UAE. GIG Gulf health insurance UAE has spent decades understanding the Middle East market in order to create the best health insurance policy. Intensive research and decades of experience serving the Middle Eastern market lead to the creation of the ‘Health Perfect’ GIG Gulf medical insurance plans.

GIG Gulf Health Insurance Company offers 5 customized plans in Dubai & Northern Emirates and 4 health insurance plans in Abu Dhabi.

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GIG Gulf (Previously AXA)

Plan NameGlobal

Medical Cover (AED)7,500,000

NetworkIn-house A1

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GIG Gulf (Previously AXA)

Plan NameRegional

Medical Cover (AED)2,500,000

NetworkIn-house A2

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GIG Gulf (Previously AXA)

Plan NameGold

Medical Cover (AED)500,000

NetworkIn-house A3

Full Access

GIG Gulf (Previously AXA)

Plan NameSilver

Medical Cover (AED)250,000

NetworkIn-house A4

Full Access

GIG Gulf (Previously AXA)

Plan NameBronze

Medical Cover (AED)150,000

NetworkIn-house A5

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Table of Content

Top GIG Gulf Health Insurance Plans in Dubai
The Types of GIG Health Insurance Plans
GIG Medical Insurance Plan Inclusions
GIG Medical Insurance Plan Exclusions
Why Should You Choose GIG UAE Health Insurance?
The GIG Health Insurance Claim Process

Top GIG Gulf Health Insurance Plans in Dubai

Smart Health Plans	Yearly Maximum (AED)	Outside area of cover	Price
Global	75,00,000	worldwide up to AED 750,000	View Quotes
Regional	25,00,000	worldwide up to AED 250,000	View Quotes
Gold	5,00,000	worldwide up to AED 50,000	View Quotes
Silver	2,50,000	not covered	View Quotes
Bronze	1,50,000	not covered	View Quotes
See More Plans >>>

GIG Network Hospitals

GIG Gulf Network Hospital in Abu Dhabi

GIG Gulf Network Hospital in Ajman

GIG Gulf Network Hospital in Al Ain

GIG Gulf Network Hospital in Dubai

GIG Gulf Network Hospital in Fujairah

GIG Gulf Network Hospital in Ras Al Khaimah

GIG Gulf Network Hospital in Sharjah

GIG Gulf Network Hospital in Umm Al Quwain

The Types of GIG Health Insurance Plans

The GIG health insurance plans are available in 5 variants under the name of ‘Smart Health’. Some of the various GIG medical insurance Smart Health plan details are as follows:

Smart Health Global

This GIG health insurance plan offers a maximum yearly limit of AED 7,500,000 and is applicable everywhere except the USA.

Smart Health Regional

This GIG medical insurance plan offers a maximum yearly limit of AED 2,500,000 and is applicable in GCC (Saudi Arabia, Bahrain, Kuwait, Qatar, Oman, and the UAE) plus, Syria, Iran, Jordan, Lebanon, Egypt, Tunisia, India, Algeria, Morocco, Sri Lanka, Pakistan, Indonesia, Korea, Bangladesh, the Philippines, Bhutan and Nepal.

Smart Health Gold

This GIG health insurance plan offers a maximum yearly limit of AED 500,000 and is applicable in the UAE plus any of Sri Lanka, India, Pakistan, Nepal, Bangladesh, the Philippines, and Bhutan being the policyholder’s home country.

Smart Health Silver

This GIG medical insurance plan offers a maximum yearly limit of AED 250,000 and is applicable in the in the UAE plus any of Sri Lanka, India, Pakistan, Nepal, Bangladesh, the Philippines, and Bhutan being the policyholder’s home country.

Smart Health Bronze

This GIG health insurance plan offers a maximum yearly limit of AED 150,000 and is applicable in the UAE only.

GIG Medical Insurance Plan Inclusions

The table below contains details on the plan-wise inclusions of the 5 Smart Health policies offered by GIG health insurance. This is applicable for Dubai and the Northern Emirates of the UAE only.

GIG Health Insurance- Dubai & Northern Emirates
	Smart Health Global	Smart Health Regional	Smart Health Gold	Smart Health Silver	Smart Health Bronze
Yearly Maximum	Max yearly limit: AED 7,500,000	Max yearly limit: AED 2,500,000	Max yearly limit: AED 500,000	Max yearly limit: AED 250,000	Max yearly limit: AED 150,000
Coverage Area Globally	Offered everywhere except the USA.	Offered in GCC, Syria, Iran, Jordan, Lebanon, Egypt, Tunisia, India, Algeria, Morocco, Sri Lanka, Pakistan, Korea Indonesia, Bhutan, Nepal, Bangladesh, the Philippines.	Offered in UAE plus any of Sri Lanka, India, Pakistan, Nepal, Bangladesh, the Philippines, and Bhutan being the policyholder’s home country.	Offered in UAE plus any of Sri Lanka, India, Pakistan, Nepal, Bangladesh, the Philippines, and Bhutan being the policyholder’s home country	Offered in the UAE only.
Coverage for outside area	Globally a maximum of AED 750,000	Globally a maximum of AED 250,000	Globally a maximum of AED 50,000	Not covered	Not covered
Inpatient network	(GIG-1) STAR Plus & International Directory of Hospitals	(GIG-2) STAR & International Directory of Hospitals	(GIG-3) Diamond	(GIG-4) Diamond	(GIG-5) Crystal
Outpatient network	(GIG-1) Star	(GIG-2) Diamond	(GIG-4) Diamond	(GIG-5) Crystal	(GIG-6) Pearl
Inpatient coinsurance	nil	nil	Nil	Nil	20% (capped at AED 500/per episode & AED 1000/per annum)
Outpatient coinsurance	10%	10%	10%	10%	20%
Maternity Coverage	Maternity delivery costs covered up to AED 25,000.	Maternity delivery costs covered up to AED 20,000.	Maternity delivery costs covered up to AED 15,000.	Maternity delivery costs covered up to AED 10,000.	Covered up to AED 7,000 for normal delivery and AED 10,000 for C-section.
Dental Cover	Dental cover offered up to AED 4,000. 20% co-insurance applies to this benefit.	Dental cover offered up to AED 2,000. 20% co-insurance applies to this benefit.	Dental cover offered up to AED 1,000. 20% co-insurance applies to this benefit.	Not covered	Not covered
GIG360 (teleconsultation)	covered	Covered	covered	covered	Not covered

(Updated as of December 2020)

The GIG medical insurance plan-wise inclusions for Abu Dhabi residents are as follows:

GIG Health Insurance- Abu Dhabi
	Smart Health Global	Smart Health Regional	Smart Health Gold	Smart Health Silver
Yearly Maximum	Max yearly limit: AED 7,500,000	Max yearly limit: AED 2,500,000	Max yearly limit: AED 500,000	Max yearly limit: AED 250,000
Coverage Area Globally	Offered everywhere except the USA.	Offered in GCC, Syria, Iran, Jordan, Lebanon, Egypt, Tunisia, India, Algeria, Morocco, Sri Lanka, Pakistan, Korea Indonesia, Bhutan, Nepal, Bangladesh, the Philippines.	Offered in UAE plus any of Sri Lanka, India, Pakistan, Nepal, Bangladesh, the Philippines, and Bhutan being the policyholder’s home country.	Offered in UAE plus any of Sri Lanka, India, Pakistan, Nepal, Bangladesh, the Philippines, and Bhutan being the policyholder’s home country
Coverage for outside area	Globally a maximum of AED 750,000	Globally a maximum of AED 250,000	Globally a maximum of AED 50,000	Not covered
Inpatient network	(GIG-1) STAR Plus & International Directory of Hospitals	(GIG-2) STAR & International Directory of Hospitals	(GIG-3) Diamond	(GIG-4) Diamond
Outpatient network	(GIG-1) Star	(GIG-2) Diamond	(GIG-4) Diamond	(GIG-5) Crystal
Outpatient coinsurance	AED 50	AED 50	AED 50	AED 25
Maternity Coverage (delivery)	Covered	Covered	Covered	Covered
Dental Cover	Dental cover offered up to AED 4,000. 20% co-insurance applies to this benefit.	Dental cover offered up to AED 2,000. 20% co-insurance applies to this benefit.	Dental cover offered up to AED 1,000. 20% co-insurance applies to this benefit.	Not covered
GIG360 (teleconsultation)	Covered	Covered	covered	covered

GIG Medical Insurance Plan Exclusions

Unless specifically mentioned in the GIG UAE health insurance policy, the Smart Health plans do not cover the following medical treatments and services:

Unnecessary medical and dental treatments.
Private care.
Non-functional cosmetic procedures.
Research treatments.
Nicotine addiction programs.
Sexual treatments and gender reassignment surgery.
Prosthetics
Injuries caused by flying, adventure sports, martial arts, etc.
Growth hormone procedures.
Preventive treatment.
Acupuncture, aromatherapy, homeopathy.
Deviated septum treatments.
Congenital diseases.
Dementia and Alzheimer’s.
Vitamin deficiency diseases.

The full list of GIG medical insurance exclusions can be found in the policy documents provided by GIG on the website or at any UAE branch. Some of the more comprehensive Smart Health GIG UAE health insurance plans may offer one or more of the above-mentioned exclusions. Kindly get in touch with the GIG medical insurance customer support for further information.

Why Should You Choose GIG UAE Health Insurance?

Following are the key reasons why should one choose GIG Health Insurance:

Multiple Health Insurance Plans: GIG Medical Insurance Company is one of the leading health insurance providers across the UAE offering a wide range of medical insurance plans to meet the various medical requirements of UAE residents.
The Largest Insurance Company in the World: GIG Health Insurance Company is the largest insurance provider in all over the world serving over 102 million clients globally. GIG in GCC operating for 60+ years, hence it is accepted brand both in and outside the UAE. In Dubai, GIG offers DHA regulations complaint health insurance plans. These medical plans cover the residents of Dubai and Northern Emirates. For all those people who are residing in Abu Dhabi, it offer HAAD – Health Authority of Abu Dhabi regulated medical insurance plans.
Complimentary Personal Accident Cover: All medical insurance plans offered by GIG Health Insurance Company offer a free personal accident cover, offering a cash lump sum in an event of accidental death of the policyholder.
Global Emergency Medical Assistance: Customers can get global emergency medical assistance on gold, regional, and international plans including emergency evacuation & repatriation any time, any day of the year..

The GIG Health Insurance Claim Process

Policyholders are advised to contact the GIG medical insurance support staff before any medical treatment. This allows the GIG medical insurance staff to address any queries the customer may have regarding the eligibility and the claims process.

In order to make a claim, GIG medical insurance policyholders are required to submit the claims form, all original medical bills and any other information as requested by the GIG support staff. Furthermore, the applicant is also required to declare any other active insurance that may help cover the cost of the treatment, so that the GIG health insurance Dubai staff can work out the correct reimbursement amount.

The GIG medical insurance claim forms can be found online and must be submitted along with all the other required documentation within a maximum of 90 days from the date of the procedure.

Frequently Asked Questions

The following are the major covers of the GIG Smart Health Plan –

Cancer and related specialist patient support program
Routine dental cover
Round-the-clock medical teleconsultation with qualified doctors
Covers for outpatient, inpatient, and pre-existing and critical illnesses
Online claim reimbursement
Easy access to treatment in over 3,000 healthcare facilities in the UAE and more than 800,000 health facilities globally

Your claim will be assisted by a dedicated team at the insurance company. There are numerous touchpoints where you can communicate with the team. To initiate your claim, you can dial 800 GIG (292) to have a customer care agent assist you. Alternatively, you can utilise the option for submitting and managing claims on the official website of the provider.

he following are the key benefits of EBP with GIG Insurance –

Coverage – AED 150,000
Geographical coverage – within Dubai
Health services include tests, diagnosis, treatments, and surgeries
Maternity services

The additional benefits of GIG health insurance Dubai include –

Worldwide emergency medical support
Personal accident cover

You can use these techniques to check out your documents related to the health insurance

Step 1: Keep the membership card handy
Step 2: Login to your online account and select the product that matches your membership by clicking on the relevant tab below
Step 3: Once you are on the appropriate tab, find the first two digits of your reference number to navigate to the appropriate papers required.

If you are facing any trouble locating your paperwork, you can easily get help by dialling 800 2926.

Listed below are some benefits of the health insurance plan –

Tailored plans
Cancer expenses covered
High claim settlement rate
Access to MY GIG application
Comprehensive covers
Medical assistance
Network hospital: Star, Diamond, Pearl, Star Plus, and Crystal
Personal accident cover
Seamless connectivity

The following are some of the main reasons to avail of GIG health insurance –

Numerous health insurance policies
Complimentary personal accident cover
International emergency medical support

Yes, GIG health insurance covers delivery under maternity benefits in the UAE.

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(based on 41,800 reviews)

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★★★★★

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★★★★★

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