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 ...read more
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AED 1 million Health cover starting @4/Day
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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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 >>> | |||
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
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
How can you submit application for the insurance claim?
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.
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
Is maternity covered under the GIG health insurance Dubai?
Yes, GIG health insurance covers delivery under maternity benefits in the UAE.
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