GIG Gulf Health Insurance Plans

What Are GIG Gulf Health Insurance Plans?

Gig Gulf health insurance plans are medical insurance options provided by GIG Gulf to help cover the cost of healthcare. These plans include benefits for doctor visits, hospital stays, surgeries, medicines, maternity care and emergency treatment, depending on the plan you choose.

There are five types of GIG Gulf health insurance plans in the UAE —

Global – Offers the widest coverage, including worldwide treatment (except the USA)
Regional – Covers GCC countries and selected countries in Asia and North Africa
Gold – Covers the UAE and one selected home country
Silver – Similar to Gold but with a lower annual limit
Bronze – UAE-only coverage for essential medical needs

Each plan is linked to a specific hospital network and comes with different coverage limits and benefits. Every plan includes support for pre-existing conditions, medicines and emergency care.

An Overview of GIG Gulf Insurance Plans

Gig Gulf health insurance plans are designed to suit different healthcare needs and budgets. If you need full international coverage or just basic protection within the UAE, there is a plan for you. Each plan comes with its own set of benefits, limits and medical networks.

The table below compares the main features of each GIG Gulf Insurance plan to help you choose the one that suits you the best—

Plan Name	Medical Coverage Amount	Area of Cover	Type of Plan	Pre-existing Conditions (Within UAE)	Pre-existing Conditions (Outside UAE)
Global	AED 7,500,000	Worldwide (excluding USA)	Comprehensive	AED 7,500,000	AED 5,000
Regional	AED 2,500,000	GCC, Jordan, Iran, Lebanon, Egypt, India, Pakistan, Sri Lanka, and more	Comprehensive	AED 2,500,000	AED 2,500
Gold	AED 500,000	UAE + One home country (India, Pakistan, etc.)	Comprehensive	AED 150,000	AED 2,500
Silver	AED 250,000	UAE + One home country (India, Pakistan, etc.)	Comprehensive	AED 150,000	AED 1,500
Bronze	AED 150,000	UAE only	Comprehensive	AED 150,000, Pharmacy: AED 2,500	No benefit

Key Benefits of GIG Gulf Health Insurance Plans

Some of the key benefits of GIG Gulf health insurance plans are given below —

Trusted by Thousands: Over 150,000 members rely on GIG Gulf Insurance for their health needs, which highlights the company’s strong reputation and dependable service.
Wide Access to Medical Providers: GIG Gulf Insurance gives access to more than 3,000 hospitals, clinics and pharmacies across the UAE and over 800,000 medical providers globally.
24/7 Medical Advice: With 24/7 medical teleconsultation, members can speak to certified doctors by phone or video anytime. This service is useful for non-emergency questions, follow-ups and quick advice.
One App for All Your Health Needs: The MYGIG mobile app gives you instant access to your digital medical card, policy details, list of network hospitals and more. It makes it easy to manage your plan on the go.
Easy Online Claims: Members can submit, track and manage claims online. No need to visit an office or send papers — it can all be done securely from your phone or computer.

Features of GIG Gulf Health Insurance Plans

Global Plan (A1 Network)
Regional Plan (A2 Network)
Gold Plan (A3 Network)
Silver Plan (A4 Network)
Bronze Plan (A5 Network)

Coverage Limit: Up to AED 7,500,000 per year.
Area of Cover: Worldwide (excluding the USA).
Pharmacy Limit: AED 2,500 per year for prescribed medicines.
Emergency Treatment Abroad: Covered up to AED 750,000.
Maternity Cover: Normal and cesarean delivery up to AED 25,000.
Pre-existing Conditions: Covered up to AED 7,500,000 inside UAE and AED 5,000 outside UAE.
Dental Care: Routine dental cover up to AED 4,000 with 20% co-payment.
Optical Benefit: Up to AED 1,500 with 20% co-payment.
Psychiatric Treatment: AED 15,000 with 20% co-payment.
Health Screening: Annual screening included up to AED 3,000.

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Coverage Limit: Up to AED 2,500,000 per year.
Area of Cover: GCC countries, Jordan, Egypt, Lebanon, India, Pakistan, Sri Lanka and other selected countries.
Pharmacy Limit: AED 2,500 per year for prescribed medicines.
Emergency Treatment Abroad: Covered up to AED 250,000.
Maternity Cover: Normal and cesarean delivery up to AED 20,000.
Pre-existing Conditions: Covered up to AED 2,500,000 inside UAE and AED 2,500 outside UAE.
Dental Care: Routine dental cover up to AED 2,000 with 20% co-payment.
Psychiatric Treatment: AED 10,000 with 20% co-payment.
Health Screening: Annual screening covered up to AED 1,000.
International Medical Assistance: Emergency evacuation and repatriation included.

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Coverage Limit: AED 500,000 per year.
Area of Cover: UAE plus one home country (India, Pakistan, Sri Lanka, Bangladesh, Philippines, Nepal or Bhutan).
Pharmacy Limit: AED 2,500 annually for prescription medications.
Emergency Treatment Abroad: Covered up to AED 50,000.
Maternity Cover: Normal and cesarean delivery up to AED 15,000.
Pre-existing Conditions: Covered up to AED 150,000 inside UAE and AED 2,500 outside UAE.
Dental Care: Routine dental cover up to AED 1,000 with 20% co-payment.
Psychiatric Treatment: AED 10,000 with 20% co-payment.
Home Nursing: Covered for up to 28 days after hospital discharge.
Health Screening: Included up to AED 500 per year.

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Coverage Limit: AED 250,000 per year.
Area of Cover: UAE plus one home country (India, Pakistan, Sri Lanka, Bangladesh, Philippines, Nepal or Bhutan).
Pharmacy Limit: AED 2,500 annually for prescribed drugs.
Emergency Treatment Abroad: Covered up to AED 1,500.
Maternity Cover: Normal and cesarean delivery up to AED 10,000.
Pre-existing Conditions: Covered up to AED 150,000 inside UAE and AED 1,500 outside UAE.
Dental Care: Routine dental treatment up to AED 500 with 30% co-payment (direct billing only).
Psychiatric Treatment: AED 10,000 with 20% co-payment.
Teleconsultation Access: 24/7 medical consultations included.
Ambulance and Emergency Evacuation: Fully covered in emergencies

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Coverage Limit: AED 150,000 per year.

Area of Cover: UAE only.
Pharmacy Limit: AED 2,500 annually for approved prescriptions.
Emergency Treatment Abroad: Not covered under this plan.
Maternity Cover: Normal and cesarean delivery up to AED 10,000.
Pre-existing Conditions: Covered up to AED 150,000 inside UAE. No cover outside UAE.
Dental Care: Routine dental services up to AED 500 with 30% co-payment (direct billing only).
Psychiatric Treatment: AED 10,000 with 20% co-payment.
Digital Support: Access to MYGIG app and online claims.
Network Access: 20% co-insurance on treatment, capped at AED 500 per visit and AED 1,000 per year.

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How to Buy GIG Gulf Health Insurance Plan in the UAE

You can buy GIG Gulf health insurance plan on Policybazaar.ae by following these simple steps —

Click on Any Banner or CTA Button – On this page, just click any button on the banner or fill out the lead form at the top of the page with your details.
Get Health Insurance Quotes – You’ll be redirected to the health insurance quotes page. Here, you can see various options available.
Filter for GIG Gulf Insurance – Use the filter tools to view Gig Gulf Insurance plans. Each plan will show coverage details, networks and benefits.
Click on Apply – Once you find the right plan, hit the Apply button.
Follow On-Screen Steps – Complete the online application by following the simple instructions provided.

Claim Process of GIG Gulf Health Insurance Plans

GIG Gulf Insurance offers two ways to make a medical claim: direct billing and reimbursement.

Direct Billing

In this process, your treatment cost is directly settled with the hospital or clinic —

Visit a medical provider within your approved network
Show your medical e-card (available on the MYGIG app) and a valid ID
The provider will request approval from GIG Gulf if needed
Once approved, you receive treatment without paying upfront, except for any co-insurance

Reimbursement

If you visit a provider outside the network or pay upfront, follow these steps —

Download and fill out the claim form from the MYGIG app or website
Attach all original invoices, medical reports and prescriptions
Submit the documents online via the app or by email
Track your claim status in the MYGIG app
Approved claims are reimbursed to your bank account

Tip: Always keep receipts and reports. Submit claims within 60 days from the treatment date.

Important Things to Know About Your GIG Gulf Health Insurance Plan

Understanding how your Gig Gulf Insurance plan works helps you use your benefits the right way and make the most of your coverage. Here are some key points you should keep in mind:

How Claims Affect Your Coverage

Every time you make a claim, your benefit limit reduces by the amount paid after deductibles and co-payments.
If your plan includes both a deductible and co-insurance, GIG will:
- First subtract the deductible from the claim amount
- Then apply the co-insurance to the remaining balance
When a benefit is marked “Included,” sub-limits may still apply, especially for pre-existing conditions.

Reasonable and Customary Charges

GIG will cover either the actual cost of treatment or the average market rate, whichever is lower.
Deductions such as co-insurance and deductibles are applied before reimbursement.
Payments are based on itemised bills and standard coding by the medical provider.
If bills are not detailed or coded, each case is reviewed individually.
Rates depend on the country of treatment and are applied within the GCC.
If the treatment is outside the network or country where pricing data is limited, average local rates will be used.

Notify GIG Before Treatment

For planned hospital stays or major outpatient procedures, always inform GIG first.
Getting approval ensures coverage and helps manage billing.
If you don’t notify them, you may have to pay for the treatment yourself.

Show Proof of Coverage

Always present your MyGIG Gulf medical e-card and a valid ID (like your passport) before receiving treatment.
This confirms your coverage and lets you benefit from network rates.
Without this proof, you may need to pay the full amount or the difference between billed and negotiated rates.
GIG reserves the right to recover any non-eligible expenses paid on your behalf.

Yes, depending on your plan. The Global and Regional plans include international coverage. Gold and Silver offer limited cover outside the UAE for emergencies. Bronze only covers you within the UAE.

Yes. All Gig Gulf Health Insurance Plans cover pre-existing and chronic conditions. However, limits vary. For example, Global covers up to AED 7,500,000 inside the UAE and AED 5,000 outside. Lower plans have smaller limits or no cover outside the UAE.

All five plans offer an annual pharmacy limit of AED 2,500. This covers prescribed medications, subject to the terms and limits of your policy.

Yes. All plans offer maternity benefits. The Global Plan provides up to AED 25,000 for normal or cesarean delivery, while Bronze and Silver plans cover up to AED 10,000.

Yes, routine dental care is included. Global covers up to AED 4,000, Regional up to AED 2,000, Gold up to AED 1,000 and Silver/Bronze up to AED 500 with co-payment. Bronze and Silver allow direct billing only.

Yes. All plans cover psychiatric treatment. The Global Plan offers up to AED 15,000, while others offer AED 10,000, all with a 20% co-payment.

Each plan is linked to a network (A1 to A5). You can view the full list of approved providers in your network through the MYGIG app or the GIG Gulf website.