Things people actually ask us.

Health insurance offers several advantages:

• Budget Planning: You can plan your finances better by knowing your upfront costs at the beginning of the year
• Access negotiated rates for medical expenses
• Benefit from claims management assistance
• Ensure insured individuals receive necessary treatment promptly, aiding in a speedy recovery
   

It's crucial to thoroughly review and comprehend the benefits and exclusions outlined in the plan you choose, as coverage can vary. Typically, treatments that go beyond your plan's benefits are excluded. Services that are not medically necessary, such as cosmetic procedures, fertility investigations & treatments and supplements are also excluded. Conditions related to 'self-harm,' including suicide attempts, hazardous pursuits, experimental treatments and drug or alcohol-related conditions are not covered.

Additionally, some plans may require you to disclose pre-existing conditions. Failure to do so may result in the exclusion of these conditions and any related ones. If you have any uncertainties, please provide us with the specifics of your situation and we can offer guidance.
 

The price can be influenced by various factors, but is primarily based on:

• Choice of plan
• The individual client's profile, including existing or anticipated medical conditions
• Past claims history

The UAE is renowned for its forward-thinking approach to improving living standards, which also extends to its healthcare system. Both Abu Dhabi and Dubai have established legislation to ensure that all Emiratis and expatriates receive a specified level of healthcare coverage. According to these regulations, it is mandatory for employers to provide health insurance for their employees. In Abu Dhabi, this requirement also extends to cover spouses and up to three dependent children up to the age of 18.

It is crucial to have a clear understanding of your legal responsibilities in compliance with these laws. Our staff members are well-versed in the various intricacies and can provide you with the necessary guidance.

MyGIG Gulf is a mobile app available to all our customers. To download the app Click Here . The app allows you to view your individual and dependents' Health e-cards; check your policy benefits & covers; find the nearest medical providers; submit, manage and track your individual and dependents' claims, view your offers and much more. 
 

Absolutely, you can easily access medical services by presenting a copy of your Emirates ID or by displaying your GIG digital e-card through the MyGIG Gulf Mobile App to the healthcare provider.
 

You can get a quote for Medical Insurance or any of our other insurance products by using one of the following methods:

• Contact us through the GIG call centre numbers. Our representatives will be happy to assist you.
• Visit the GIG website and complete the Quotation Form . One of our representatives will contact you within one working day using your contact details.
• Visit one of our branches. Our representatives will be happy to assist you.
• If you prefer to appoint a broker, our trusted partners can assist you with obtaining a quotation.

Coinsurance or co-payment refers to the portion of the expenses you are responsible for paying to the hospital or healthcare provider for any outpatient services covered by your insurance policy. This means, you will be required to contribute 20% of the total bill.
For a comprehensive understanding of your coverage, please refer to your Table of Benefits and Policy Handbook. This will provide you with complete details regarding your coverage.

Unrecognized providers" essentially refers to healthcare professionals or facilities that GIG Gulf network does not acknowledge for direct billing and/or reimbursement. Hence, we highly advise you to access the GIG Gulf Unrecognized Providers List , which is available on the MyGIG Gulf Mobile App or the GIG Gulf Website and download the most up-to-date list. Doing so will help you avoid incurring out-of-pocket expenses.

The cost of Home Insurance premium will be determined depending on the sum insured.

GIG Gulf’s policies cover a range of events, including certain natural disasters. Specifics can vary, so it's essential to read your policy documents to understand the extent of coverage.

Generally, mould damage caused by preventable water leakage, humidity, or poor ventilation is not covered.

Yes, GIG Gulf provides worldwide personal belongings cover, which can include high-value items. However, declaring these items when taking out your policy is crucial to ensure they are fully covered.

Yes, if your home is rendered uninhabitable due to a covered event, GIG Gulf's policy includes the cost of alternative accommodation while your home undergoes essential repairs.

Accidental damage refers to unintentional one-off incidents that harm your property or its contents, such as spilling paint on a carpet or breaking a window.

Foundation repairs are typically covered if a covered risk, such as an earthquake or an accidental water leak, causes the damage. However, age-related damages, general wear and tear, or neglected maintenance are not usually covered. It's advisable to check your policy details for the specifics of what's included.

If a network provider does not accept your card, please double-check that you are seeking services from a provider within your policy's network. You can easily access your list of Network Providers by using the GIG Gulf Medical Provider Locator on either the MyGIG Gulf Mobile App or the GIG Gulf Website. If the provider is indeed within the policy network but is still not accepting the card, we kindly request that you get in touch with our Call Center through the provided contact numbers or send an email to mcs@gig-gulf.com for assistance.

This is a unique feature of GIG Gulf's policy, covering items typically found outside the confines of the home but within your private premises, such as garden furniture or outdoor equipment. Terms apply.

Your GIG Gulf insurance plan offers a convenient method of accessing healthcare services without the need for a physical insurance card. Simply present your Emirates ID when visiting an in-network healthcare facility and mention 'GIG Gulf.' Alternatively, you can also utilize the MyGIG Gulf Mobile App and present your e-card to access medical care.

You can find the details regarding co-payment and deductible fees for your policy in the table of benefits on the MyGIG Gulf app by following these steps:

• Log in to the MyGIG Gulf Mobile App .
• Go to the 'Active policy' section and select 'View Details' to access your policy information.
• Click on the 'Covers & Services' tab, where you'll find a list of the services covered by your policy.
• To review the complete details of your benefits, including co-payment and deductible information, simply click on 'Download' to download your table of benefits.
   

We offer a diverse range of products tailored to meet the varying needs of individuals residing in the UAE, Qatar, Bahrain, and Oman. It's important to note that there may be entry age restrictions in some countries. To get specific information and guidance based on your location and circumstances, please visit our 'Contact Us' page, where you can contact us conveniently, and we will be happy to assist you.

After you submit your claim, we will send you a claim reference number through email and SMS. You can use this reference number to track the progress of your claim whenever needed.
We aim to review your claim within 5 business days and settle eligible claims it through a bank transfer within 10 business days, provided we receive all the required documents.
In case the claim documents are insufficient, we will inform you via email the incomplete information or documents. Additionally, you can also check the status of your claims by logging into the GIG Gulf Website or using the MyGIG Gulf Mobile App

You can initiate a claim by calling  800 292 , visiting the GIG Gulf website.. Customer service representatives are available 24/7 to guide you through the process.

Our GIG Gulf staff, available at our offices, points of sale, shops, and call center, will assist you in providing valid receipts for policy premiums paid through payment links, POS or any other payment methods.

You can register your claim request through either the MyGIG Gulf Mobile App or the GIG Gulf Website. This allows for a simple and convenient way to submit, monitor, and manage claims for both yourself and your dependents.
 

We recommend contacting your Customer Service Executive or GIG sales representative that assisted you with the quote.

Currently, the online payment link is available for paying the premiums that are due on your quote. If you need to make payments for different purposes, such as covering missed premiums from the past, reinstating your policy, making excess payments or any other payments that differ from your due premium, payment links for such transactions will be generated and shared by GIG staff or authorized representatives.
 

In accordance with the terms and conditions of your policy, payments must be made in the currency specified by your policy. However, you can make local currency payments online to GIG Gulf via payment links generated and shared by GIG staff or authorised representatives.

To determine whether your policy includes maternity coverage, you can refer to the "Maternity Benefit: Pregnancy and Childbirth" section within your table of benefits. For guidance on accessing your table of benefits and understanding the benefits provided by your policy, please review the response to the question, "What benefits does my policy provide, and where can I download my table of benefits?"
 

• Cash Payments: You can make cash payments at GIG offices or points of sale in UAE. However, please note that cash payments are not an option in Bahrain, Oman and Qatar. If your cash payment is equal to or exceeds AED 10,000, you will need to provide supporting documents as part of the compliance process. Our Sales team will request these documents in such cases.
• E-commerce: You can use the e-commerce option via point-of-sale (POS) machines at GIG offices or points of sale and through payment links generated and shared by GIG staff or authorised representatives.
• Cheque Payments: Cheque payments for premium collection are accepted, subject to internal approvals. Policies will be issued upon clearance of cheques into GIG's bank account. However, please note that cheque payments are not an option in Oman and Bahrain.
• Wire Transfer: You can make payments via wire transfer using the bank details mentioned on your invoice. It is important to ensure that GIG receives the total invoice or quotation amount, including applicable taxes/VAT and any bank charges or currency exchange differences incurred during the wire transfer process. The remitter should cover these additional costs.
• Online Payment: If you have obtained quotes from the GIG Website, you can pay the quoted premium using the "Pay online" option at the end of the quote process.

To secure pre-approval from network providers, you will need to provide either your Emirates ID or your e-Card accessible via the MyGIG Gulf Mobile App. The provider will handle the pre-authorization process in accordance with the service level agreement, eliminating the need for you to take any additional steps.

• You can initiate a wire transfer using the bank details provided by our offices, points of sale, shops, or call centre staff.
• Ensure that GIG receives the total amount stated in your invoice or quotation, including any applicable taxes/VAT, bank charges and currency exchange differences that may apply during the wire transfer process. These additional costs should be covered by the remitter.
• Please mention the policy or invoice number for which you are making the premium payment at the start of your transaction. This will help us allocate the payment correctly to your policy.
• Once the wire transfer is completed, we recommend contacting your Customer Service Executive or GIG sales representative to secure this approval before initiating the transfer.

To access the insurance certificate for you & your dependents, you can follow these steps:
• Log in to the MyGIG Gulf Mobile App .
• Navigate to the 'Active policy' section and click on 'View Details' to access your policy information.
• Select the 'Documents' tab.
• Under the 'Insurance / Travel Certificate' section, click on "View".
• On the next page, view the names of yourself and your dependents.
• Under each name, click 'View' or 'Share' to download or easily share the Insurance Certificate.
Please note that you will require Adobe Acrobat Reader or any other PDF viewer to open and view the certificate.

We recognize that transitioning between health insurance providers may appear intimidating, especially when it involves something as vital as your healthcare coverage. Nevertheless, please be reassured that we are here to offer you comprehensive support and guidance throughout this process. If there is a specific reason motivating you to change insurers, we encourage you to share those details with us. This way, we can provide you with a clear understanding of how we would handle your situation, enabling you to make an informed decision.
When contemplating switching to a new insurance provider, it's essential to carefully assess how your pre-existing conditions will be handled and whether there might be any interruption in coverage between the end of your current policy and the start of the new one.

• The email used for password reset should be an already registered email to MyGIG Gulf Mobile App. Make sure that you enter the correct email address.
• If corporate email is used for reset, please reach out to your local IT team to check whether any security settings are blocking `@gig-gulf` domain to receive emails.

To access the details of your policy benefits and download the table of benefits, please follow these steps using the MyGIG Gulf mobile app:
• Log in to the MyGIG Gulf Mobile App.
• On the dashboard, select 'View Details' for your active policy to access your policy specifics.
• Navigate to the 'Covers & Services' tab to view the list of services covered by your policy.
• To download your table of benefits, simply click on 'Download'.

You can conveniently access the Health e-Cards for yourself and your dependents through the MyGIG app by following these steps:
• Log in to the MyGIG Gulf Mobile App.
• To view your E-card, simply click on 'View E-card' under the 'How can we help you' section.
• Alternatively, you can click on 'View Details' to access your policy specifics.
• From the 'Overview' tab, you can easily view or share your Health e-Card.
• To view the Health e-Cards of your dependents, navigate to the 'Dependents' tab, select the relevant member policy, and then choose 'View Full Card.' To share the Health e-Cards of your dependents, you can select 'Share' on the same page.

Healthcare providers have the capability to verify your insurance information through our online platform by utilizing your Emirates ID or e-Card. Your e-Card information is conveniently accessible on the MyGIG Gulf Mobile App or the GIG Gulf Website . You can easily download and store the e-Cards on your mobile device for quick access.

GIG Gulf does indeed accept scanned copies of documents. However, it's important to note that in certain situations, we may request original documents. Therefore, we recommend that you retain all original documents pertaining to your treatment until the claim is finalized.

Please be aware that GIG Gulf retains the option to request original documents during the claims processing, so we strongly advise holding onto the original documents for a minimum of 12 months after the treatment date or until the claim has been successfully resolved.

To access the insurance certificate for you & your dependents, you can follow these steps:

• Log in to the MyGIG Gulf Mobile App .
• Navigate to the 'Active policy' section and click on 'View Details' to access your policy information.
• Select the 'Documents' tab.
• Under the 'Insurance / Travel Certificate' section, click on "View.
• On the next page, view the names of yourself and your dependents.
• Under each name, click 'View' or 'Share' to download or easily share the Insurance Certificate.

Please note that you will require Adobe Acrobat Reader or any other PDF viewer to open and view the certificate.

For outpatient services outside the network, reimbursement will be the method of payment. (We will refund the expenses based on Reasonable and Customary rates that apply to your network)
• When it comes to inpatient services, you should reach out to us to obtain a Guarantee of Payment (GOP), which is contingent upon the provider's acceptance. GOP ensures that you won't need to make payments for eligible treatments.
• In specific situations, we can also facilitate direct billing for elective inpatient treatment with our affiliated partners, depending on the treatment location and provider's acceptance, provided that pre-approval is granted in advance.
• You can access your list of International Network Providers by using the GIG Gulf Medical Provider Locator on either the MyGIG Gulf Mobile App or the GIG Gulf Website.

To access the details of your policy benefits and download the table of benefits, please follow these steps using the MyGIG Gulf mobile app:

• Log in to the MyGIG Gulf Mobile App.
• On the dashboard, select 'View Details' for your active policy to access your policy specifics.
• Navigate to the 'Covers & Services' tab to view the list of services covered by your policy.
• To download your table of benefits, simply click on 'Download'.
   

A program offering a set of diverse health, wellness and prevention solutions, tailor-made for you and your loved ones. 
Our goal is to address and cater to your health & wellbeing needs. 
It is a comprehensive kit of mental and physical management and prevention tools that will help you maintain a healthy lifestyle and support you in case of illness.

GIG Gulf Health Talks are a series of online webinars featuring experts discussing well-being topics such as stress management, mindfulness, heart health, and more. These webinars empower you with knowledge to enhance your quality of life and maintain a positive lifestyle. You can find all previous sessions through: 
• MyGIG Gulf Mobile app by navigating to the ‘Health on Track` section and selecting `Health TV`.
Stay tuned for Health Talk invitations sent directly to your registered email address.

• Access the MyGIG Gulf Mobile App and log in.
• To access your submitted claims, simply tap on the 'Claims' icon.
• The claims list view will enable you to monitor the progress of your claim. You can conveniently download the claim report or tap the arrow for more detailed information about your claim.
• If you have the claim number, click on the 'Track & Update a Claim' button. Enter the claim number and select 'Submit' to view the claim details and status.
• To view claims for your dependents, switch to the dependent claim view and choose the desired policy to review.
• Recently submitted claims will be visible once they are received and the claim review process commences.

Pre-approval is necessary for specific outpatient (OP) services and all inpatient (IP) services when you receive treatment from a provider within the network. You don't have to take any action yourself; the healthcare provider will initiate the pre-approval request directly to GIG Gulf for the services that require it.

• Login to MyGIG Gulf Mobile App
• Initiate the straightforward online claims process by clicking on the 'Submit a claim' button.
• Your policy information will be automatically pre-filled. Proceed to enter your contact details by scrolling down on the same page.
• Complete the required contact information and agree to the Terms & Conditions by ticking the checkbox.
• Click on 'Next' to proceed to the document uploading stage.
• Provide claim details for either yourself or your dependents.
• Upload the necessary documents, including the claim form signed and stamped by your treating practitioner and yourself, as well as stamped invoices or receipts, along with any supporting documents such as medical reports, laboratory test results, ultrasound reports, and referral letters.
• Input your bank details or edit them if they are stored from previous submissions, and then click on 'Next' to review all the details before finally submitting your claim.

An itemized invoice provides a detailed breakdown of the medical services you have received, along with the specific cost for each service. It is essential for every claim submission as it clearly indicates the services taken, their respective dates, and the corresponding costs.

GIG Gulf does indeed accept scanned copies of documents. However, it's important to note that in certain situations, we may request original documents. Therefore, we recommend that you retain all original documents pertaining to your treatment until the claim is finalized.

Please be aware that GIG Gulf retains the option to request original documents during the claims processing, so we strongly advise holding onto the original documents for a minimum of 12 months after the treatment date or until the claim has been successfully resolved.

If you encounter any disputes or discrepancies, we recommend contacting us via email at mcs@gig-gulf.com or the  "Contact Us " option for assistance. 

GIG Gulf's objective is to review your eligible claims within 5 business days and finalize the settlement within 10 business days, provided we receive all the required documentation.

Mindset is a confidential 24/7 access to emotional well-being counseling with licensed psychologists through voice calls. It is a service aiming at raising awareness about mental health by reducing the stigma, preventing mental distress by fostering resilience and empowering you towards a state of psychological safety at work and in your lives.

Service Benefits

• 24/7 access to psychologists through a hotline
• Available in 5 different languages: English, Arabic, Urdu, French & Hindi
• Access throughout the year to podcasts, seminars and workshops provided by professional coaches to inform, support and empower you toward a resilient mind

Access Points

You and your dependents (above 17 years) can access the service through: 

• MyGIG Gulf Mobile app by selecting the ‘Speak to a Psychologist’ icon
• Alternatively, dial in the toll-free number from a mobile or a landline.  Please contact your HR or key account manager to have more information.

This service is available for eligible members (subject to policy terms and conditions) from the date of policy activation. You may use this service for any matters impacting your wellbeing or psychological health.

Outpatient Maternity coverage encompasses consultations, tests, treatments, and pharmacy expenses. The application of Co-Insurance will be applied as per your policy benefits. It's important to refer to your Table of Benefits (TOB) as this coverage can vary by region and is subject to regulatory requirements. 

The extent of coverage will be in line with both local regulations and international medical guidelines, and it's worth noting that a waiting period may be applicable in accordance with your TOB. If you seek Outpatient services outside the GCC region, they will be evaluated on a reimbursement basis.

If your insurance policy permits the inclusion of dependents, and you have a newborn, it's crucial to inform us promptly about this new addition. Depending on the specific policy regulations and details, we may be able to backdate the coverage to the date of the newborn's birth.

Certain plans we offer include a 'Newborn Benefit,' which provides provisional coverage for the newborn under the mother's policy for up to 30 days within the defined geographical scope. For further information about this benefit and the prerequisites for adding a newborn, please refer your table of benefits and policy handbook.

From GIG Gulf Website
• Navigate to GIG Gulf Website and select the `Health` tab from the navigation bar, from here select `MyGIG Home`. You can also directly click on `MyGIG ` link on top of the page.
• Existing users should click the `Login` button, then enter the registered email and password and click on `Login`. New users should click the `Register` button and fill out the required information.
• To register, enter your policy & membership details as they appear on your GIG card, then tap `Next`.
• If you have an email stored with GIG, it will be displayed here. To use this email for registration, select and tap 'Next'. In case you want to change your registered email with GIG, refer to `*How can I change my registered e-mail address/username on MyGIG Gulf Mobile App?` question.
• Setup your password then tap on 'Next' to proceed to the verification step.
• Please check your in box for an email from GIG Gulf, follow the enclosed instructions to verify your email address.
• Click on the button "Verify your e-mail". You should be redirected back to MyGIG app web version.
• Now you can log in to your account on MyGIG Gulf, and instantly access policy details for you and your dependents, plus a wide variety of healthcare benefits from GIG Gulf.

From MyGIG Gulf Mobile App
• Launch the MyGIG Gulf Mobile App on your mobile and select your country.
• Next, select your policy type (Health Policy).
• Tap on `Register To` to create your account. If you already have an account, tap on `Sign In` and move directly to log in screen.
• To register, enter your policy & membership details as they appear on your GIG card, then tap `Next: Account Setup`.
• If you have an email stored with GIG, it will be displayed here. To use this email for registration, select and tap 'Next: Account Setup'. In case you want to change your registered email with GIG, refer to `*How can I change my registered e-mail address/username on MyGIG Gulf Mobile App?` question.
• Setup your password then tap on 'Next' to proceed to the verification step.
• Please check your in box for an email from GIG Gulf, follow the enclosed instructions to verify your email address.
• Click on the button "Verify your e-mail". You should be redirected back to MyGIG Gulf app web version.
• Navigate to the MyGIG Gulf App to login through mobile device and click on Login.
• Now you can log in to your account on MyGIG Gulf app, and instantly access policy details for you and your dependents, plus a wide variety of healthcare benefits from GIG Gulf.

• If you forgot your MyGIG Gulf password, tap on "Don't remember your password" link on the log-in page.
• Enter your registered email with GIG to receive the password reset link. Once you entered your email, click on 'Send Email'.
• You will see a confirmation on the screen that the password reset email was sent to your email.
• Next, open your email inbox and check for an email from 'support-giggulf@gig-gulf.com'.
• You will receive the password reset link on the email address that you used to register on MyGIG Gulf. Once you receive the email, click on 'Reset Your Password'.
• Enter your new password, and repeat it for confirmation, then tap to save it. You can now go back to MyGIG Gulf entry page and log in using your new password.

You can find the details regarding co-payment and deductible fees for your policy in the table of benefits on the MyGIG Gulf app by following these steps:
• Log in to the MyGIG Gulf Mobile App.
• Go to the 'Active policy' section and select 'View Details' to access your policy information.
• Click on the 'Covers & Services' tab, where you'll find a list of the services covered by your policy.
• To review the complete details of your benefits, including co-payment and deductible information, simply click on 'Download' to download your table of benefits.

If you need to be admitted to a hospital while abroad, please promptly reach out to us at least 7 days before the planned treatment. You can contact us via phone at +971 4 507 4000 or send an email to intl@gig-gulf.com . Ensure that you include all necessary information, such as your policy number, admission date, medical reports, doctor's details, hospital information, and cost estimates.

We’re sure you will be delighted with your policy, but if you want to cancel, you can. GIG Gulf allows policy cancellation with a 30-day notice, subject to an administration fee of AED 50. Any return of premium for the unexpired period of insurance is subject to the policy's terms and conditions.

Inpatient Maternity coverage encompasses the expenses associated with the delivery of your baby, whether it's a normal delivery or a medically necessary C-section. Additionally, this benefit also covers medically necessary legal abortions.

No, pre-approvals are not necessary for emergencies.

You will receive an SMS or email notification once the provider has submitted the approval request, and subsequently, when it has been processed. If you do not receive any notification, please reach out to GIG directly using the contact number provided on the back of your medical card.

To secure pre-approval from network providers, you will need to provide either your Emirates ID or your e-Card accessible via the MyGIG Gulf Mobile App . The provider will handle the pre-authorization process in accordance with the service level agreement, eliminating the need for you to take any additional steps.

You can find specific information about the countries where you have coverage by referring to your Table of Benefits (TOB) which outlines your area of cover and lists the countries where you are eligible for medical treatment.

To inquire about the status of the pre-approval request, please reach out to us using the contact number provided on the back of your medical card.

You will receive an SMS or email notification once the provider has submitted the approval request, and subsequently, when it has been processed. If you do not receive any notification, please reach out to GIG directly using the contact number provided on the back of your medical card.

Yes, for claim submission, proof of payment is necessary. Acceptable proofs of payment may include a credit card receipt or a hospital receipt stamped as paid. This documentation serves as a guarantee that the member has settled the expenses for the services availed.

When policy refunds may be processed 
Policy refunds can be initiated solely by the policyholder(s) and are strictly governed by the terms and conditions outlined in your policy concerning cancellations and refunds. Additionally, policy refunds are subject to no outstanding premiums on the client account with GIG Gulf.
How refunds are paid
Refunds are always issued to the policyholder or the original payment source, typically the credit card or bank account used for the initial payment. GIG Gulf will require the completion of a Refund/Bank Details Form which you can request from Customer Service Executives or GIG Sales Representatives.
In exceptional cases, subject to approval, refunds may be directed to a third party with the authorization of the policyholder, which is conveyed to GIG Gulf. In such instances, GIG Gulf will require the completion of Refund/Bank Details Form from the policy holder. This form enables GIG Gulf to conduct compliance checks on the third party before initiating the transfer. Payments to third parties will only be executed after successful compliance clearances.

If a payment is not received within the agreed timeline, GIG Gulf reserves the right to suspend the policy and its associated benefits. This may be followed by issuing a policy cancellation notice, and if premiums are not paid in accordance with the contract, the policy may be officially canceled.

• For direct billing claims: GIG Gulf will settle payments directly with the healthcare service providers who rendered services to our clients and members. Therefore, GIG Gulf is not responsible for making payments to clients or members in this regard. Please be aware that any applicable co-payments, as stipulated in your policy's terms and conditions, must be paid by the client or member and are not reimbursable by GIG Gulf.
• For reimbursement claims: Eligible reimbursement claims will be processed by GIG Gulf and settled directly with the respective member(s) after submitting the required valid claim documents, as outlined on our reimbursement portal, and subsequent adjudication and approval by the GIG claims team. To understand the specifics of claim settlement, including matters related to exchange rates, taxes, and bank charges, please refer to the terms and conditions of your policy.

To modify your payment details for reimbursement claims, you can make the necessary changes through the MyGIG Gulf Mobile App when submitting your claim.
 

As per the terms and conditions of your policy, it is the client's responsibility to cover all applicable taxes/VAT/fees in the respective policy country, in relation to the policy premiums invoiced by GIG Gulf. GIG Gulf does not hold the liability to reimburse the client for any portion or the entirety of these taxes/fees that are payable by the client.

• Regarding taxes on reimbursement claims: Members are accountable for settling any taxes/fees owed on their reimbursement claims. GIG Gulf is responsible for reimbursing only the cost of the eligible claim itself.
• In the case of taxes related to direct billing by healthcare providers: When applicable taxes/fees are imposed by the service provider on services rendered to GIG Gulf clients and members, GIG Gulf will settle these taxes to the service provider or regulator as dictated by regulations.
   

We advise you to get in touch with us promptly to facilitate the inclusion of your child in your policy. Please have the following documents ready:
1. Completed application form
2. Birth certificate
3. Passport and Visa (if applicable)
4. A signed undertaking letter (if passport/visa is not available)

GIG Gulf Health and Well-being Blog consists of monthly posts that share practical and actionable knowledge related to well-being. These articles cover a variety of trending topics related to healthy living, disease management and prevention. You can access to all the blog posts through:

• GIG Gulf Website or
• MyGIG Gulf Mobile App by navigating to the 'Health on Track' section and selecting 'Health Tips'.

MyWellness Week is Health on Tracks' annual online wellbeing event designed to empower participants with knowledge across multiple dimensions of holistic well-being, inspiring them to make positive life changes. This program offers a range of free sessions and provides access to world-class experts in various well-being areas. It's an excellent opportunity to strike a balance between work and well-being, with attractive incentives for the highest engagement levels. Registration for the upcoming "MyWellness Week" will be through invitations shared directly. 
You can benefit from this program and access all previous events through:
• MyGIG Gulf Mobile app   by navigating to the ‘Health on Track` section and selecting `MyWellness Week`

We provide a range of solutions catering to various business types and while certain solutions may be tailored to specific client segments, we strive to offer options suitable for a wide range of clients. Depending on the country, there may be specific regulatory prerequisites, including compliance with Anti Money Laundering and 'Know Your Client' requirements that must be met before we can proceed. Please reach out to us to discover the solutions available for your particular business needs.

As the policy owner, you are responsible for paying the premium. Alternatively, an authorized third party can make the payment on your behalf, provided they are either an insured individual or a beneficiary listed on your policy. If you are unable to make the payment yourself or if the individual wishing to pay on your behalf is not a party to the contract outlined in your policy, you can authorize a third-party payer by fulfilling the following requirements:

• Provide Payer Details, including but not limited to Name, Relationship with the policy owner and Reason for settling the premium on behalf of the policy owner.
• Submit a Copy of the Valid Emirates ID Card/Resident Card/National ID Card, Passport, and Residence Visa of the Third-Party payer.
• Present Proof of relationship (such as a Birth Certificate, Marriage Contract, etc.).
• Offer documentation demonstrating the Source of funds of the Third-Party payer for settling the policy owner's insurance premium.
   

You have the option to consult with any healthcare professionals who are part of the direct billing network linked to your policy (please refer to your policy document for details). If you decide to see a provider outside of this network, you will need to cover the costs upfront and then submit a reimbursement claim (Pay & Claim). We will refund the expenses based on Reasonable and Customary rates that apply to your network. To find a list of direct billing network providers, you can access the GIG Gulf Medical Provider Locator through the MyGIG Gulf Mobile App or the GIG Gulf Website.

If you are a new user:

• At the time of registration, tap on "I want to change my e-mail" in the case of:

1. 1. You or your dependents do not have access to any of the email addresses listed.
2. 2. You cannot find your preferred or any other relevant email address.

• Fill out all the necessary details. If all data matches your record with GIG Gulf, your email will be updated immediately, then you can proceed to sign up with a new email.
• If any data does not match, our team will need 48 hrs to update your data, and then you can proceed to sign up with a new email.
• For dependents under 18 years of age, the email needs to be updated by contacting us at mcs@gig-gulf.com .

If you are already registered and logged in user:

• Login to MyGIG from GIG Gulf Website 
• Navigate to `My Account`
• Click on `Change Login Email`
• Fill out the new email ID and reconfirm. Click on `Change email` option.
• The email/username will be changed immediately and a verification email is sent.
• Please check your in box for an email from GIG Gulf, follow the enclosed instructions to verify your new email address.
• Click on the button "Verify your e-mail". You should be redirected back to MyGIG app web version.
• Please navigate to the MyGIG App to login through mobile device and click on Login. 
   

• Access the MyGIG Gulf Mobile App and log in.
• To access your submitted claims, simply tap on the 'Claims' icon.
• The claims list view will enable you to monitor the progress of your claim. You can conveniently download the claim report or tap the arrow for more detailed information about your claim.
• If you have the claim number, click on the 'Track & Update a Claim' button. Enter the claim number and select 'Submit' to view the claim details and status.
• To view claims for your dependents, switch to the dependent claim view and choose the desired policy to review.
• Recently submitted claims will be visible once they are received and the claim review process commences.

No, pre-approvals are not necessary for emergencies.

You can conveniently access the Health e-Cards for yourself and your dependents through the MyGIG app by following these steps:

• Log in to the MyGIG Gulf Mobile App.
• To view your E-card, simply click on 'View E-card' under the 'How can we help you' section.
• Alternatively, you can click on 'View Details' to access your policy specifics.
• From the 'Overview' tab, you can easily view or share your Health e-Card.
• To view the Health e-Cards of your dependents, navigate to the 'Dependents' tab, select the relevant member policy, and then choose 'View Full Card.' To share the Health e-Cards of your dependents, you can select 'Share' on the same page.

Upon submitting your complaint, you can anticipate a response from us within one working day. We will promptly acknowledge your complaint and provide you with a reference number. Furthermore, we will outline the subsequent steps in the process and provide you with the means to get in touch with us for further discussion.

We are committed to conducting a thorough investigation and aim to communicate the outcome of your complaint within 7 working days for UAE, Oman and Bahrain, 5 days for Qatar. In the event that this timeline cannot be met, we will notify you and ensure you are kept informed throughout the process.

Please rest assured that your complaint will always be handled with fairness and confidentiality. Once your matter is resolved, your feedback will contribute to our efforts to enhance our services.

From GIG Gulf Website

• Navigate to GIG Gulf Website and select the `Health` tab from the navigation bar, from here select `MyGIG Home `. You can also directly click on `MyGIG` link on top of the page.
• Existing users should click the `Login` button, then enter the registered email and password and click on `Login`. New users should click the `Register` button and fill out the required information. 
• To register, enter your policy & membership details as they appear on your GIG card, then tap `Next`.
• If you have an email stored with GIG, it will be displayed here. To use this email for registration, select and tap 'Next'. In case you want to change your registered email with GIG, refer to `*How can I change my registered e-mail address/username on MyGIG Gulf Mobile App ?` question.
• Setup your password then tap on 'Next' to proceed to the verification step.
• Please check your in box for an email from GIG Gulf, follow the enclosed instructions to verify your email address.
• Click on the button "Verify your e-mail". You should be redirected back to MyGIG app web version.
• Now you can log in to your account on MyGIG Gulf, and instantly access policy details for you and your dependents, plus a wide variety of healthcare benefits from GIG Gulf.

From MyGIG Gulf Mobile App

• Launch the MyGIG Gulf Mobile App on your mobile and select your country.
• Next, select your policy type (Health Policy).
• Tap on `Register To` to create your account. If you already have an account, tap on `Sign In` and move directly to log in screen.
• To register, enter your policy & membership details as they appear on your GIG card, then tap `Next: Account Setup`.
• If you have an email stored with GIG, it will be displayed here. To use this email for registration, select and tap 'Next: Account Setup'. In case you want to change your registered email with GIG, refer to `*How can I change my registered e-mail address/username on MyGIG Gulf Mobile App?` question.
• Setup your password then tap on 'Next' to proceed to the verification step.
• Please check your in box for an email from GIG Gulf, follow the enclosed instructions to verify your email address.
• Click on the button "Verify your e-mail". You should be redirected back to MyGIG Gulf app web version.
• Navigate to the MyGIG Gulf App to login through mobile device and click on Login.
• Now you can log in to your account on MyGIG Gulf app, and instantly access policy details for you and your dependents, plus a wide variety of healthcare benefits from GIG Gulf.

Absolutely, you can easily access medical services by presenting a copy of your Emirates ID or by displaying your GIG digital e-card through the MyGIG Gulf Mobile App to the healthcare provider.

If you are a new user:
• At the time of registration, tap on "I want to change my e-mail" in the case of:
1. You or your dependents do not have access to any of the email addresses listed.
2. You cannot find your preferred or any other relevant email address.
• Fill out all the necessary details. If all data matches your record with GIG Gulf, your email will be updated immediately, then you can proceed to sign up with a new email.
• If any data does not match, our team will need 48 hrs to update your data, and then you can proceed to sign up with a new email.
• For dependents under 18 years of age, the email needs to be updated by contacting us at mcs@gig-gulf.com .
If you are already registered and logged in user:
• Login to MyGIG from GIG Gulf Website
• Navigate to `My Account`
• Click on `Change Login Email`
• Fill out the new email ID and reconfirm. Click on `Change email` option.
• The email/username will be changed immediately and a verification email is sent.
• Please check your in box for an email from GIG Gulf, follow the enclosed instructions to verify your new email address.
• Click on the button "Verify your e-mail". You should be redirected back to MyGIG app web version.
• Please navigate to the MyGIG App to login through mobile device and click on Login.

You can easily access your policy information and related documents through the MyGIG Gulf mobile app by following these steps:
• Log in to the MyGIG Gulf Mobile App.
• Your active policies will be prominently displayed on the dashboard.
• To view expired policies, swipe left.
• Swipe right and tap to access the following:
-General information about your policy
-Policy information for dependents and Health e-Cards
-Coverage details and services provided by your policy
-A history of previously submitted claims or the option to submit a new one
-Documents associated with your policy
• To access your policy-related documents, click on the 'Documents' tab.
• You will see a list of documents related to your policy.
• Click on 'View' to download your policy-related documents.
• If you wish to share these documents, click on the 'Share' option.

Subject to your company's policy permitting inclusion of dependents, you have the flexibility to add your dependents mid-year. Please reach out to your insurance coordinator or HR department to initiate the process. If the policy does not allow inclusion of dependents we can offer alternative solutions on an individual basis. Please visit our ' Contact Us ' page to discover the most convenient method for you to reach out to us, allowing us to assist you further.

Coinsurance or co-payment refers to the portion of the expenses you are responsible for paying to the hospital or healthcare provider for any outpatient services covered by your insurance policy. This means, you will be required to contribute 20% of the total bill.
For a comprehensive understanding of your coverage, please refer to your Table of Benefits and Policy Handbook. This will provide you with complete details regarding your coverage.

To clarify, the deductible of AED 40 applies solely to consultation services. You won't be responsible for any expenses related to other covered services.
For a comprehensive understanding of your coverage, please refer to your Table of Benefits and Policy Handbook. This will provide you with complete details regarding your coverage.

You can easily access your policy information and related documents through the MyGIG Gulf mobile app by following these steps:

• Log in to the MyGIG Gulf Mobile App.
• Your active policies will be prominently displayed on the dashboard.
• To view expired policies, swipe left.
• Swipe right and tap to access the following:

                  1. General information about your policy
                  2. Policy information for dependents and Health e-Cards
                  3. Coverage details and services provided by your policy
                  4. A history of previously submitted claims or the option to submit a new one
                  5. Documents associated with your policy

• To access your policy-related documents, click on the 'Documents' tab.
• You will see a list of documents related to your policy.
• Click on 'View' to download your policy-related documents.
• If you wish to share these documents, click on the 'Share' option.

Family Member or Third Party as Payee:
1. Passport of both Policyholder and Payee
2. Visa and ID (i.e. Emirates ID) copies of both policyholder and Payee
3. Authorization letter from policyholder confirming GIG to settle the refund to Payee
4. Proof of relationship between policyholder and payee
Company as Payee:
1. The visa of the Policyholder should be sponsored by the Company; if not, an Employment Letter is required.
2. Authorization letter from policyholder confirming GIG to settle the refund to Payee
3. Valid Trade License of the company
4. Valid VAT Certificate of the company (where applicable)
Supplying this information does not automatically guarantee that request will be accepted. Such requests are subject to compliance checks and payment shall be processed upon successful compliance clearance.
 

"Unrecognized providers" essentially refers to healthcare professionals or facilities that GIG Gulf network does not acknowledge for direct billing and/or reimbursement. Hence, we highly advise you to access the GIG Gulf Unrecognized Providers List , which is available on the MyGIG Gulf Mobile App or the GIG Gulf Website and download the most up-to-date list. Doing so will help you avoid incurring out-of-pocket expenses.

The UAE is renowned for its forward-thinking approach to improving living standards, which also extends to its healthcare system. Both Abu Dhabi and Dubai have established legislation to ensure that all Emiratis and expatriates receive a specified level of healthcare coverage. According to these regulations, it is mandatory for employers to provide health insurance for their employees. In Abu Dhabi, this requirement also extends to cover spouses and up to three dependent children up to the age of 18.

It is crucial to have a clear understanding of your legal responsibilities in compliance with these laws. Our staff members are well-versed in the various intricacies and can provide you with the necessary guidance.

Yes, eCards can be used for visa stamping purposes.

If you find yourself without your insurance card when visiting a healthcare provider, there are alternative solutions available. If you are in the UAE, you can use your Emirates ID. Or, for all other locations, you can access your E-card via the MyGIG Gulf Mobile App.

Yes, for claim submission, proof of payment is necessary. Acceptable proofs of payment may include a credit card receipt or a hospital receipt stamped as paid. This documentation serves as a guarantee that the member has settled the expenses for the services availed.

Pre-approval is necessary for specific outpatient (OP) services and all inpatient (IP) services when you receive treatment from a provider within the network. You don't have to take any action yourself; the healthcare provider will initiate the pre-approval request directly to GIG Gulf for the services that require it.

From GIG Gulf website

• Navigate to the GIG Gulf Website , choose your respective country, click on ` Contact Us ` on the main page, and you will find all the contact information you need to contact our Customer Service Team. Inquiry and complaint forms are also available on this page. 

From MyGIG Gulf app

• Login to MyGIG Gulf Mobile App .
• Navigate to `Profile & App Settings`
• Navigate to the `Help & Support` menu in the `Queries and Complaint` section, and you can submit a query or a complaint from there.

To clarify, the deductible of AED 40 applies solely to consultation services. You won't be responsible for any expenses related to other covered services.
For a comprehensive understanding of your coverage, please refer to your Table of Benefits and Policy Handbook. This will provide you with complete details regarding your coverage.

As the policy owner, you are responsible for paying the premium. Alternatively, an authorized third party can make the payment on your behalf, provided they are either an insured individual or a beneficiary listed on your policy. If you are unable to make the payment yourself or if the individual wishing to pay on your behalf is not a party to the contract outlined in your policy, you can authorize a third-party payer by fulfilling the following requirements:
• Provide Payer Details, including but not limited to Name, Relationship with the policy owner and Reason for settling the premium on behalf of the policy owner.
• Submit a Copy of the Valid Emirates ID Card/Resident Card/National ID Card, Passport, and Residence Visa of the Third-Party payer.
• Present Proof of relationship (such as a Birth Certificate, Marriage Contract, etc.).
• Offer documentation demonstrating the Source of funds of the Third-Party payer for settling the policy owner's insurance premium.

To determine if your policy covers dental and optical services, please refer to your Table of Benefits and specifically look in the 'Routine Dental Benefit' and 'Optical Benefit' sections. You can find instructions on accessing your Table of Benefits in the answer to the question, `What benefits does my policy provide, and where can I download my table of benefits?`

You can find specific information about the countries where you have coverage by referring to your Table of Benefits (TOB) which outlines your area of cover and lists the countries where you are eligible for medical treatment.

• E-commerce: SME customers can utilize the e-commerce option through payment links generated and shared by GIG staff or authorized representatives.
• Cheque Payments: Both SME and corporate customers can issue cheques to settle their premium payments to GIG.
• Wire Transfer: SME and corporate customers can make payments via wire transfer using the bank details specified on their invoices. It's essential to ensure that GIG receives the full invoice or quotation amount, including applicable taxes/VAT, and that the remitter bears any bank charges and exchange differences incurred during the wire transfer process.

When policy refunds may be processed
Policy refunds can be initiated solely by the policyholder(s) and are strictly governed by the terms and conditions outlined in your policy concerning cancellations and refunds. Additionally, policy refunds are subject to no outstanding premiums on the client account with GIG Gulf.
How refunds are paid
Refunds are always issued to the policyholder or the original payment source, typically the credit card or bank account used for the initial payment. GIG Gulf will require the completion of a Refund/Bank Details Form which you can request from Customer Service Executives or GIG Sales Representatives.
In exceptional cases, subject to approval, refunds may be directed to a third party with the authorization of the policyholder, which is conveyed to GIG Gulf. In such instances, GIG Gulf will require the completion of Refund/Bank Details Form from the policy holder. This form enables GIG Gulf to conduct compliance checks on the third party before initiating the transfer. Payments to third parties will only be executed after successful compliance clearances.

If a payment is not received within the agreed timeline, GIG Gulf reserves the right to suspend the policy and its associated benefits. This may be followed by issuing a policy cancellation notice, and if premiums are not paid in accordance with the contract, the policy may be officially canceled.

SME and corporate policy premiums can be settled in accordance with the agreed installments/credit period before policy issuance. The due dates for such payments will be indicated on the installment invoices provided by GIG Gulf to the client(s).

• For direct billing claims: GIG Gulf will settle payments directly with the healthcare service providers who rendered services to our clients and members. Therefore, GIG Gulf is not responsible for making payments to clients or members in this regard. Please be aware that any applicable co-payments, as stipulated in your policy's terms and conditions, must be paid by the client or member and are not reimbursable by GIG Gulf.
• For reimbursement claims: Eligible reimbursement claims will be processed by GIG Gulf and settled directly with the respective member(s) after submitting the required valid claim documents, as outlined on our reimbursement portal, and subsequent adjudication and approval by the GIG claims team. To understand the specifics of claim settlement, including matters related to exchange rates, taxes, and bank charges, please refer to the terms and conditions of your policy.

To modify your payment details for reimbursement claims, you can make the necessary changes through the MyGIG Gulf Mobile App when submitting your claim.

Family Member or Third Party as Payee:
1. Passport of both Policyholder and Payee
2. Visa and ID (i.e. Emirates ID) copies of both policyholder and Payee
3. Authorization letter from policyholder confirming GIG to settle the refund to Payee
4. Proof of relationship between policyholder and payee
Company as Payee:
1. The visa of the Policyholder should be sponsored by the Company; if not, an Employment Letter is required.
2. Authorization letter from policyholder confirming GIG to settle the refund to Payee
3. Valid Trade License of the company
4. Valid VAT Certificate of the company (where applicable)
Supplying this information does not automatically guarantee that request will be accepted. Such requests are subject to compliance checks and payment shall be processed upon successful compliance clearance.

As per the terms and conditions of your policy, it is the client's responsibility to cover all applicable taxes/VAT/fees in the respective policy country, in relation to the policy premiums invoiced by GIG Gulf. GIG Gulf does not hold the liability to reimburse the client for any portion or the entirety of these taxes/fees that are payable by the client.
• Regarding taxes on reimbursement claims: Members are accountable for settling any taxes/fees owed on their reimbursement claims. GIG Gulf is responsible for reimbursing only the cost of the eligible claim itself.
• In the case of taxes related to direct billing by healthcare providers: When applicable taxes/fees are imposed by the service provider on services rendered to GIG Gulf clients and members, GIG Gulf will settle these taxes to the service provider or regulator as dictated by regulations.

To determine whether your policy includes maternity coverage, you can refer to the "Maternity Benefit: Pregnancy and Childbirth" section within your table of benefits. For guidance on accessing your table of benefits and understanding the benefits provided by your policy, please review the response to the question, "What benefits does my policy provide, and where can I download my table of benefits?"

Outpatient Maternity coverage encompasses consultations, tests, treatments, and pharmacy expenses. The application of Co-Insurance will be applied as per your policy benefits. It's important to refer to your Table of Benefits (TOB) as this coverage can vary by region and is subject to regulatory requirements.

The extent of coverage will be in line with both local regulations and international medical guidelines, and it's worth noting that a waiting period may be applicable in accordance with your TOB. If you seek Outpatient services outside the GCC region, they will be evaluated on a reimbursement basis.

Inpatient Maternity coverage encompasses the expenses associated with the delivery of your baby, whether it's a normal delivery or a medically necessary C-section. Additionally, this benefit also covers medically necessary legal abortions.

The "Pre/Post-Natal Complications" benefits encompass unforeseen medical situations that may arise during pregnancy (antenatal), childbirth, or after delivery (postnatal). These situations necessitate additional care or interventions beyond what would typically be required for a normal pregnancy, as they pose a direct threat to the well-being of the mother and/or baby.

For a maternity claim to be considered a complicated pregnancy and for coverage of a C-section up to the policy limit, it must meet specific criteria, including the following conditions: Placenta Previa, Pre-eclampsia, Fetal distress, Urine rupture, and Umbilical cord prolapse. It's important to note that this benefit is exclusively available to eligible married females per policy year.

Health insurance provides you with a safety net against unexpected medical expenses, including costs related to hospitalization, medications, or doctor visits.

The Health on Track Podcast is a bi-weekly shot of wellness insights. We feature subject matter experts who address a wide range of health concerns and wellness challenges to support our members at all stages of their wellbeing journey.

You can listen to the podcast through: 

• Platforms like Spotify , Apple Podcasts , YouTube , YouTube Music , Anghami , Amazon Music
• GIG Gulf Website
• MyGIG Gulf Mobile app by navigating to the 'Health on Track' section and selecting 'Podcast'

• For DOH-Compliant Plans: The eligible expenses related to newborn treatment are covered for up to 30 days from the date of birth (DOB) under the mother's insurance coverage. However, this coverage is contingent upon adding the newborn to the policy within 30 days from the DOB. Backdating is not permitted in this case.
• For DHA-Compliant Plans: Similar to DOH-Compliant plans, the eligible cost of newborn treatment is covered for up to 30 days from the DOB under the mother's insurance coverage. The condition for coverage is the addition of the newborn to the policy within 30 days from the DOB. Backdating is allowed for newborns up to 7 days from the DOB. If this 7-day limit is exceeded, enrollment will start from the date of GIG's receipt of complete documentation.

Please Note: Any medical treatment or services incurred prior to policy issuance will not be covered on a reimbursement basis.

An itemized invoice provides a detailed breakdown of the medical services you have received, along with the specific cost for each service. It is essential for every claim submission as it clearly indicates the services taken, their respective dates, and the corresponding costs.

• If you forgot your MyGIG Gulf password, tap on "Don't remember your password" link on the log-in page.
• Enter your registered email with GIG to receive the password reset link. Once you entered your email, click on 'Send Email'.
• You will see a confirmation on the screen that the password reset email was sent to your email.
• Next, open your email inbox and check for an email from 'support-giggulf@gig-gulf.com '.
• You will receive the password reset link on the email address that you used to register on MyGIG Gulf. Once you receive the email, click on 'Reset Your Password'.
• Enter your new password, and repeat it for confirmation, then tap to save it. You can now go back to MyGIG Gulf entry page and log in using your new password.

If you opt not to use your card within the network, all benefits and services submitted for claim reimbursement of claims will be evaluated based on the Reasonable and Customary rates.  Reasonable and Customary Charges are equivalent to the average of our negotiated, discounted cost for the same treatment within the network shown in your plan. The coverage of cost incurred or customary charges (whichever is less) and the level of reimbursement will be determined based on the membership plan you have chosen.

This means there may be out-of-pocket expenses depending on how the charges align with this standard. For a detailed understanding of your healthcare policy, including potential out-of-pocket costs, access your table of benefits and membership handbook on the MyGIG Gulf Mobile App .

All inpatient services, including surgeries, necessitate pre-approval from GIG Gulf to check eligibility, suitability and limit availability. If you are consulting a healthcare professional within our network, your medical provider will initiate the pre-approval process on your behalf. However, if your medical provider is not within our network, you can arrange to send an email to intl@gig-gulf.com , including the following requirements:

• A pre-authorization request form detailing the treatment plan, signed and stamped by the treating doctor.
• An itemized cost estimate of the hospital bill, providing a breakdown of all charges.
• A comprehensive medical report.
• Diagnostic reports.

For healthcare providers within our network, pre-approval may take up to 4 hours, depending on the specific case. If you are consulting a provider outside our network, the pre-approval process may take up to 8 hours, again contingent on the individual case.

To inquire about the status of the pre-approval request, please reach out to us using the contact number provided on the back of your medical card.

You can access the claim form for download from this Link . Please ensure to include all pertinent documents, such as original invoices indicating the cost per item, payment receipts, laboratory report, medical report, and a filled, signed, and stamped claim form (endorsed by the treating doctor).

All benefits and services submitted for claim reimbursement will be assessed according to the Reasonable and Customary Charges or as specified in your table of benefits, following the terms and conditions of your policy. The Reasonable and Customary Charges represent an average value based on our negotiated, discounted costs for similar treatments within the network indicated in your plan.

This means there may be out-of-pocket expenses depending on how the charges align with this standard. For a detailed understanding of your healthcare policy, including potential out-of-pocket costs, access your table of benefits and membership handbook on MyGIG Gulf Mobile App.

The "Pre/Post-Natal Complications" benefits encompass unforeseen medical situations that may arise during pregnancy (antenatal), childbirth, or after delivery (postnatal). These situations necessitate additional care or interventions beyond what would typically be required for a normal pregnancy, as they pose a direct threat to the well-being of the mother and/or baby. 

For a maternity claim to be considered a complicated pregnancy and for coverage of a C-section up to the policy limit, it must meet specific criteria, including the following conditions: Placenta Previa, Pre-eclampsia, Fetal distress, Urine rupture, and Umbilical cord prolapse. It's important to note that this benefit is exclusively available to eligible married females per policy year.
 

MyGIG Gulf is a mobile app available to all our customers. To download the app Click Here . The app allows you to view your individual and dependents' Health e-cards; check your policy benefits & covers; find the nearest medical providers; submit, manage and track your individual and dependents' claims, view your offers and much more.

It's crucial to thoroughly review and comprehend the benefits and exclusions outlined in the plan you choose, as coverage can vary. Typically, treatments that go beyond your plan's benefits are excluded. Services that are not medically necessary, such as cosmetic procedures, fertility investigations & treatments and supplements are also excluded. Conditions related to 'self-harm,' including suicide attempts, hazardous pursuits, experimental treatments and drug or alcohol-related conditions are not covered.

Additionally, some plans may require you to disclose pre-existing conditions. Failure to do so may result in the exclusion of these conditions and any related ones. If you have any uncertainties, please provide us with the specifics of your situation and we can offer guidance.

When an employee health insurance plan includes co-insurance, members may be required to contribute a specific percentage of the treatment cost. The exact percentage hinges on two key factors:

• The co-insurance percentage specified for all Outpatient services, as indicated on the health insurance digital or physical card.
• Whether a member sought care from an In-Network Provider under a Direct Billing arrangement or from an Out-of-Network Provider, where they paid upfront and later sought reimbursement, in the case of an emergency.

In contrast, a co-pay or deductible refers to a fixed amount  individuals must pay when they visit a doctor for a consultation. The specific amount is detailed on their medical card. It's important to note that the "co-pay" should not be charged for follow-up visits within 7 calendar days if the visit is related to the same condition and involves the same doctor.

For more comprehensive information about the particulars of your medical insurance plan, including any additional applicable co-insurances, it's advisable to consult your insurance provider directly.

We offer a wide range of healthcare solutions designed to cater to the diverse needs of various businesses. We understand that each business is unique, and we're ready to help you create a customized solution tailored to your specific requirements. Moreover, we provide the flexibility to segment your policy into subcategories, allowing you to personalize coverage based on your employees' seniority. You also have the option to include spouses and dependent children within the same plan, enhancing your employment package.
Furthermore, we can address your other insurance needs all in one place, including property, workers' compensation, liability, marine, cyber insurance, and more.
To learn more about our offerings and explore the best options for your business, please visit our 'Contact Us ' page to get in touch with us conveniently, and we'll be happy to assist you.

Your GIG Gulf insurance plan offers a convenient method of accessing healthcare services without the need for a physical insurance card. Simply present your Emirates ID when visiting an in-network healthcare facility and mention 'GIG Gulf.' Alternatively, you can also utilize the MyGIG Gulf Mobile App and present your e-card to access medical care.

All inpatient services, including surgeries, necessitate pre-approval from GIG Gulf to check eligibility, suitability and limit availability. If you are consulting a healthcare professional within our network, your medical provider will initiate the pre-approval process on your behalf. However, if your medical provider is not within our network, you can arrange to send an email to intl@gig-gulf.com , including the following requirements:
• A pre-authorization request form detailing the treatment plan, signed and stamped by the treating doctor.
• An itemized cost estimate of the hospital bill, providing a breakdown of all charges.
• A comprehensive medical report.
• Diagnostic reports.
For healthcare providers within our network, pre-approval may take up to 4 hours, depending on the specific case. If you are consulting a provider outside our network, the pre-approval process may take up to 8 hours, again contingent on the individual case.

Your policy number and membership number can be found your health insurance card which was shared as part of the onboarding email sent to you from e-boarding@gig-gulf.com . If you are unable to find it, kindly contact your HR or insurance coordinator. Alternatively, you can contact us providing your name and DOB on mcs@gig-gulf.com .

If a network provider does not accept your card, please double-check that you are seeking services from a provider within your policy's network. You can easily access your list of Network Providers by using the GIG Gulf Medical Provider Locator on either the MyGIG Gulf Mobile App or the GIG Gulf Website. If the provider is indeed within the policy network but is still not accepting the card, we kindly request that you get in touch with our Call Center through the provided contact numbers or send an email to mcs@gig-gulf.com for assistance.

• Navigate to the GIG Gulf Website and click on the MyGIG link. Alternatively, you can select `Submit a Claim` from the Health tab under the navigation bar and select `Submit a Claim` under Insured Members.
• Click on `Login` and enter your MyGIG Gulf credentials.
• Initiate the straightforward online claims process by clicking on the `Claims` menu.
• Click on the 'Submit a claim' button.
• Your policy information will be automatically pre-filled. Proceed to enter your contact details by scrolling down on the same page.
• Complete the required contact information and agree to the Terms & Conditions by ticking the checkbox.
• Click on 'Next' to proceed to the document uploading stage.
• Provide claim details for either yourself or your dependents.
• Upload the necessary documents, including the claim form signed and stamped by your treating practitioner and yourself, as well as stamped invoices or receipts, along with any supporting documents such as medical reports, laboratory test results, ultrasound reports, and referral letters.
• Input your bank details or edit them if they are stored from previous submissions, and then click on 'Next' to review all the details before finally submitting your claim.

After you submit your claim, we will send you a claim reference number through email and SMS. You can use this reference number to track the progress of your claim whenever needed.
We aim to review your claim within 5 business days and settle eligible claims it through a bank transfer within 10 business days, provided we receive all the required documents.
In case the claim documents are insufficient, we will inform you via email the incomplete information or documents. Additionally, you can also check the status of your claims by logging into the GIG Gulf Website or using the MyGIG Gulf Mobile App

If you encounter any disputes or discrepancies, we recommend contacting us via email at mcs@gig-gulf.com or the  " Contact Us " option for assistance.

All benefits and services submitted for claim reimbursement will be assessed according to the Reasonable and Customary Charges or as specified in your table of benefits, following the terms and conditions of your policy. The Reasonable and Customary Charges represent an average value based on our negotiated, discounted costs for similar treatments within the network indicated in your plan.

This means there may be out-of-pocket expenses depending on how the charges align with this standard. For a detailed understanding of your healthcare policy, including potential out-of-pocket costs, access your table of benefits and membership handbook on MyGIG Gulf Mobile App .

GIG Gulf's objective is to review your eligible claims within 5 business days and finalize the settlement within 10 business days, provided we receive all the required documentation.

Our GIG Gulf staff, available at our offices, points of sale, shops, and call center, will assist you in providing valid receipts for policy premiums paid through payment links, POS or any other payment methods.

Reimbursement claims are paid through wire transfer. To ensure a smooth transaction, please update your bank details using the MyGIG Gulf Mobile App or GIG Gulf Website . For seamless receipt of funds, kindly provide complete and accurate bank account details.

Please communicate the transfer details along with the policy/Invoice details to regional.creditcontrol@gig-gulf.com and the respective GIG Key Account Manager supporting your policy request.

Home insurance policies often cover AC units in cases of damage from covered events like fire, vandalism, or theft. However, malfunctions or damages resulting from wear and tear or lack of maintenance might not be covered. For detailed information, consult your specific policy documents.

If you opt not to use your card within the network, all benefits and services submitted for claim reimbursement of claims will be evaluated based on the Reasonable and Customary rates.  Reasonable and Customary Charges are equivalent to the average of our negotiated, discounted cost for the same treatment within the network shown in your plan. The coverage of cost incurred or customary charges (whichever is less) and the level of reimbursement will be determined based on the membership plan you have chosen.

This means there may be out-of-pocket expenses depending on how the charges align with this standard. For a detailed understanding of your healthcare policy, including potential out-of-pocket costs, access your table of benefits and membership handbook on the MyGIG Gulf Mobile App .

Health insurance offers several advantages:
• Budget Planning: You can plan your finances better by knowing your upfront costs at the beginning of the year
• Access negotiated rates for medical expenses
• Benefit from claims management assistance
• Ensure insured individuals receive necessary treatment promptly, aiding in a speedy recovery

For outpatient services, the standard turnaround time is 1 hour, with 95% of cases processed within 60 minutes or less.
For inpatient services, the standard turnaround time is 4 hours.

You can register your claim request through either the MyGIG Gulf Mobile App or the GIG Gulf Website. This allows for a simple and convenient way to submit, monitor, and manage claims for both yourself and your dependents.

If you need to resubmit your claim or if you are asked to provide additional documents, please use the MyGIG Gulf Mobile App or GIG Gulf Website . These platforms allow you to conveniently resubmit your claim and keep track of its status.

Reimbursement claims are paid through wire transfer. To ensure a smooth transaction, please update your bank details using the MyGIG Gulf Mobile App or GIG Gulf Website . For seamless receipt of funds, kindly provide complete and accurate bank account details.

C-Section (when medically necessary) will be covered only under the maternity limit unless it is a complication as per diagnosis: Placenta Praevia, Pre-eclampsia and eclampsia, Fetal distress, Uterine rupture and Umbilical cord prolapse. 

Outpatient: An outpatient refers to a patient who does not stay overnight in a hospital but instead visits a hospital, clinic, or related facility for diagnosis or treatment and is subsequently sent home after the consultation.
Daycare: Daycare pertains to a patient or case that enters a hospital for a medical treatment or surgical procedure and is managed and discharged within a single day. This falls under the category of outpatient care.
Inpatient: An inpatient denotes an insured member who is formally admitted as a bed patient in a hospital. They incur daily room and board charges, and the stay typically spans a minimum duration of 24 hours.

• The email used for a password reset should be registered with the MyGIG Gulf Mobile App. Make sure that you enter the correct email address.
• If a personal email (such as Hotmail, Gmail, Yahoo, etc.) is used for reset, check your spam folder or junk mail if it is not received in your inbox.
• If the email still cannot be retrieved, then please contact us at mcs@gig-gulf.com .

• Login to MyGIG Gulf Mobile App
• Initiate the straightforward online claims process by clicking on the 'Submit a claim' button.
• Your policy information will be automatically pre-filled. Proceed to enter your contact details by scrolling down on the same page.
• Complete the required contact information and agree to the Terms & Conditions by ticking the checkbox.
• Click on 'Next' to proceed to the document uploading stage.
• Provide claim details for either yourself or your dependents.
• Upload the necessary documents, including the claim form signed and stamped by your treating practitioner and yourself, as well as stamped invoices or receipts, along with any supporting documents such as medical reports, laboratory test results, ultrasound reports, and referral letters.
• Input your bank details or edit them if they are stored from previous submissions, and then click on 'Next' to review all the details before finally submitting your claim.

To determine if your policy covers dental and optical services, please refer to your Table of Benefits and specifically look in the 'Routine Dental Benefit' and 'Optical Benefit' sections. You can find instructions on accessing your Table of Benefits in the answer to the question, `What benefits does my policy provide, and where can I download my table of benefits?`

• To pay via wire transfer, you can obtain the bank details from points of sale, shops, Customer Service Executives, Credit control team or GIG sales representatives.
• Just like with individual policies, it is crucial to ensure that GIG receives the full amount specified in your invoice or quotation, including any applicable taxes/VAT, as well as any bank charges and exchange differences that may arise during the wire transfer process. The remitter should cover these additional expenses.
• Please remember to mention the policy or invoice number for which you make the premium payment. This will enable us to allocate the payment accurately to your policy.
• After completing the wire transfer, please share the transfer details along with your policy or invoice details with regional.creditcontrol@gig-gulf.com and the respective GIG Key Account Manager assisting you with your policy request.

Yes, eCards can be used for visa stamping purposes.

You can access the claim form for download from this Link . Please ensure to include all pertinent documents, such as original invoices indicating the cost per item, payment receipts, laboratory report, medical report, and a filled, signed, and stamped claim form (endorsed by the treating doctor).

The reimbursement amount you receive is subject to adjustments in accordance with the terms and conditions of your policy. These adjustments consider the following factors:
• Co-pay and co-insurance percentage deductions as outlined in your policy terms.
• Deductible amount, if applicable and as specified in your policy terms.
• If the claimed cost of services exceeds the average cost of services within your GIG Gulf provider network, the excess amount will be subtracted from the total bill.

If you need to resubmit your claim or if you are asked to provide additional documents, please use the MyGIG Gulf Mobile App or GIG Gulf Website . These platforms allow you to conveniently resubmit your claim and keep track of its status.

Currently, the online payment link is applicable for settling the due premiums on your quote. If you have other payment requirements, such as covering overdue premiums from the past, policy reinstatements, excess payments or any payments that do not align with your due premium, please follow these steps:
• SME customers can use the e-commerce option through payment links generated and shared by GIG staff or authorized representatives.
• Corporate customers can clear their outstanding balances through bank transfers or by issuing cheques payable to GIG.

Health insurance provides you with a safety net against unexpected medical expenses, including costs related to hospitalization, medications, or doctor visits.

Payments for business policies must adhere to the policy's specified currency, as outlined in the policy Terms and Conditions.

To assist you in determining the most appropriate health insurance plan for your needs, it is essential to consider the following factors:
• Your budget: Evaluate what you can afford and your willingness to contribute to co-insurance at the time of a claim.
• Your requirements: Determine if you need specific features, such as cashless billing at certain facilities, coverage in particular countries, specific treatments like dental or maternity benefits, coverage for pre-existing conditions, essential services like teleconsultation, online claims submission, or well-being support.
• Your values: Decide if it's crucial for you to choose an insurer known for providing fair, prompt, and reliable service.
Take your time to research thoroughly, as switching insurers can potentially affect what is considered a pre-existing condition. Making the wrong choice could lead to a disruption in coverage when you need it most.

If you need to be admitted to a hospital while abroad, please promptly reach out to us at least 7 days before the planned treatment. You can contact us via phone at +971 4 507 4000 or send an email to intl@gig-gulf.com . Ensure that you include all necessary information, such as your policy number, admission date, medical reports, doctor's details, hospital information, and cost estimates.

You have the option to consult with any healthcare professionals who are part of the direct billing network linked to your policy (please refer to your policy document for details). If you decide to see a provider outside of this network, you will need to cover the costs upfront and then submit a reimbursement claim (Pay & Claim). We will refund the expenses based on Reasonable and Customary rates that apply to your network. To find a list of direct billing network providers, you can access the  GIG Gulf Medical Provider Locator through the MyGIG Gulf Mobile App or the GIG Gulf Website.

We recognize that transitioning between health insurance providers may appear intimidating, especially when it involves something as vital as your healthcare coverage. Nevertheless, please be reassured that we are here to offer you comprehensive support and guidance throughout this process. If there is a specific reason motivating you to change insurers, we encourage you to share those details with us. This way, we can provide you with a clear understanding of how we would handle your situation, enabling you to make an informed decision.
When contemplating switching to a new insurance provider, it's essential to carefully assess how your pre-existing conditions will be handled and whether there might be any interruption in coverage between the end of your current policy and the start of the new one.

If your spouse's employer does not provide insurance coverage for dependents, your sponsor will need to arrange a separate insurance plan for you. GIG Gulf offers a variety of individual insurance options to suit your needs. Please get in touch with us for further details and assistance.

Your policy number and membership number can be found on your health insurance card which was shared as part of the onboarding email sent to you from e-boarding@gig-gulf.com. If you are unable to find it, kindly contact your HR or insurance coordinator. Alternatively, you can contact us providing your name and DOB on mcs@gig-gulf.com .

Teleconsultation is a 24/7 virtual healthcare consultation with licensed GPs through audio and video calls, teleprescription, health guidance from a nutritionist, and chronic condition monitoring and coaching.

Service Benefits

• 24/7 access to GPs for medical advice
• Medication prescription
• Medication delivery (where approved by regulators)
• No Co-pay
• Wellness and prevention guidance from GPs and nutritionists

Access Points
You and your dependents can access the service through:

• MyGIG Gulf Mobile app, to speak to a doctor, select the ‘Call a doctor’ icon
• Alternatively dial in the toll-free number from a mobile or a landline. Please contact your HR or key account manager to have more information.

This service is available for eligible members (subject to policy terms and conditions) from the date of policy activation. You may use this service whether you are looking for prevention guidance or fall sick and need immediate medical advice.

Healthcare providers have the capability to verify your insurance information through our online platform by utilizing your Emirates ID or e-Card. Your e-Card information is conveniently accessible on the MyGIG Gulf Mobile App or the GIG Gulf Website . You can easily download and store the e-Cards on your mobile device for quick access.

The reimbursement amount you receive is subject to adjustments in accordance with the terms and conditions of your policy. These adjustments consider the following factors:

• Co-pay and co-insurance percentage deductions as outlined in your policy terms.
• Deductible amount, if applicable and as specified in your policy terms.
• If the claimed cost of services exceeds the average cost of services within your GIG Gulf provider network, the excess amount will be subtracted from the total bill.
   

For outpatient services, the standard turnaround time is 1 hour, with 95% of cases processed within 60 minutes or less.
For inpatient services, the standard turnaround time is 4 hours.

Yes, car insurance is a legal requirement for all vehicles in the UAE. You cannot register your car without valid insurance coverage.

Reach out to your HR team without delay to initiate the process of adding your newborn to the medical coverage. Please make sure to provide the birth certificate and sign the undertaking letter (the format for which will be provided by GIG Gulf to your HR department). If their policy does not allow dependents to be included in the Group, you can contact us for an individual solution.

No, Travel insurance needs to be purchased before departure.

• For outpatient services outside the network, reimbursement will be the method of payment. (We will refund the expenses based on Reasonable and Customary rates that apply to your network)
• When it comes to inpatient services, you should reach out to us to obtain a Guarantee of Payment (GOP), which is contingent upon the provider's acceptance. GOP ensures that you won't need to make payments for eligible treatments.
• In specific situations, we can also facilitate direct billing for elective inpatient treatment with our affiliated partners, depending on the treatment location and provider's acceptance, provided that pre-approval is granted in advance.
• You can access your list of International Network Providers by using the GIG Gulf Medical Provider Locator on either the MyGIG Gulf Mobile App or the GIG Gulf Website.

Yes, holiday insurance is often another term used for travel insurance. Both offer protection against unforeseen events during your trip.

The Health on Track Podcast is a bi-weekly shot of wellness insights. We feature subject matter experts who address a wide range of health concerns and wellness challenges to support our members at all stages of their wellbeing journey.
You can listen to the podcast through :

• Platforms like Spotify , Apple Podcasts , YouTube , YouTube Music , Anghami , Amazon Music
• GIG Gulf Website
• MyGIG Gulf Mobile app by navigating to the 'Health on Track' section and selecting 'Podcast'

Given the evolving nature of the COVID pandemic, coverage may vary. Please refer to the policy details or consult our representatives to understand COVID-related coverage.

Yes, if your flight is delayed for a specified duration due to covered reasons, our policies typically compensate for accommodation, meals, and other related expenses.

The official currency of the UAE is the UAE dirham (AED). Credit and debit cards are widely accepted, but carrying some cash for smaller vendors and taxis is recommended.

The cost of car insurance in the UAE is influenced by vehicle and driver-specific details. The age and condition of the vehicle play a pivotal role; older cars might be more expensive to insure due to potential issues, while newer, well-maintained vehicles often attract lower premiums. The driver's age is another significant factor, with younger and much older drivers typically facing higher rates due to statistical accident probabilities. A driver's record, both in terms of driving behaviour and claim history, can increase or decrease premiums. The vehicle's market value also matters; higher-value cars might attract higher insurance rates. Additionally, the type of insurance plan, its coverage, and the chosen deductible amount will effect the final premium.

Any resident or citizen of the Gulf Cooperation Council who is 70 years of age or younger.

Benefit from this service when you need to pick your car up or drop it off at the workshop for a service. Service available to use once a year.

- This service is not valid for motor cycles, commercial vehicles, pickup trucks and vans.

- Booking must be within the same emirate.

- Service centre charges/excess charges to be borne by the customer and paid directly to the service centre.

You can't generally extend a Schengen visa except in special circumstances, such as force majeure, humanitarian reasons, or late entry.

Generally, home insurance covers sudden and unforeseen plumbing issues, such as burst pipes. Routine maintenance, slow leaks, or issues arising from wear and tear are typically not covered. It’s important to address minor plumbing issues before they become more significant problems that your insurance policy might not cover.

C-Section (when medically necessary) will be covered only under the maternity limit unless it is a complication as per diagnosis: Placenta Praevia, Pre-eclampsia and eclampsia, Fetal distress, Uterine rupture and Umbilical cord prolapse.

GIG Gulf Health and Well-being Blog consists of monthly posts that share practical and actionable knowledge related to well-being. These articles cover a variety of trending topics related to healthy living, disease management and prevention. You can access to all the blog posts through:

• GIG Gulf Website
• MyGIG Gulf Mobile App by navigating to the 'Health on Track' section and selecting 'Health Tips'

Yes and no. Having travel insurance with emergency medical cover is mandatory for obtaining some UAE visit visas. This requirement helps ensure that travellers are protected against unexpected health or travel-related incidents during their stay.
 

Travel Smart Insurance covers conventional nonworking holidays, or business trips that do not involve manual labor. This coverage is not available to people leaving their country of residence permanently.

In the UAE, this process is managed by VFS.Global. You can apply for a visa by visiting one of the Visa Application Centres in Abu Dhabi or Dubai. You can book an appointment here. For an extra cost, there is also a facility for getting someone to come to your home or office to complete the application. You should be aware that the visa fee is not reimbursed even if your visa is refused.

After ensuring everyone's safety, report the accident to the police. You will need the police report to process your claim. Contact us when you have the report or submit a claim using our  online claim tool . Once the claim is submitted, you will receive an SMS providing the claim reference number and contact details of the workshop as per your policy coverage.

Yes, the no-claims discount, or no-claims bonus, is transferable. You can obtain a certificate from your previous insurer and present it to the new provider to benefit from the discount. 

Some policies offer GCC-wide coverage as an optional add-on, while others might include it in their standard packages. Add these to your GIG Gulf Motor Prestige or Motor Perfect insurance policies while getting a quote.

Driving without insurance is illegal and can result in hefty fines, black points on your driving license, vehicle impoundment, and difficulties obtaining future insurance coverage.

No, it only covers damages or injuries you cause to other parties. Damage to your vehicle would need comprehensive insurance.

While home insurance isn't legally mandatory anywhere in the UAE, it's highly recommended. Many mortgage lenders do require a form of property insurance for the duration of the mortgage.

• For DOH-Compliant Plans: The eligible expenses related to newborn treatment are covered for up to 30 days from the date of birth (DOB) under the mother's insurance coverage. However, this coverage is contingent upon adding the newborn to the policy within 30 days from the DOB. Backdating is not permitted in this case.
• For DHA-Compliant Plans: Similar to DOH-Compliant plans, the eligible cost of newborn treatment is covered for up to 30 days from the DOB under the mother's insurance coverage. The condition for coverage is the addition of the newborn to the policy within 30 days from the DOB. Backdating is allowed for newborns up to 7 days from the DOB. If this 7-day limit is exceeded, enrollment will start from the date of GIG's receipt of complete documentation.

Please Note: Any medical treatment or services incurred prior to policy issuance will not be covered on a reimbursement basis.

• Navigate to the GIG Gulf Website and click on the MyGIG link. Alternatively, you can select `Submit a Claim` from the Health tab under the navigation bar and select `Submit a Claim` under Insured Members.
• Click on `Login` and enter your MyGIG Gulf credentials. 
• Initiate the straightforward online claims process by clicking on the `Claims` menu.
• Click on the 'Submit a claim' button.
• Your policy information will be automatically pre-filled. Proceed to enter your contact details by scrolling down on the same page.
• Complete the required contact information and agree to the Terms & Conditions by ticking the checkbox.
• Click on 'Next' to proceed to the document uploading stage.
• Provide claim details for either yourself or your dependents.
• Upload the necessary documents, including the claim form signed and stamped by your treating practitioner and yourself, as well as stamped invoices or receipts, along with any supporting documents such as medical reports, laboratory test results, ultrasound reports, and referral letters.
• Input your bank details or edit them if they are stored from previous submissions, and then click on 'Next' to review all the details before finally submitting your claim.
   

No, missed flights are not covered.

GIG Gulf Health Talks are a series of online webinars featuring experts discussing well-being topics such as stress management, mindfulness, heart health, and more. These webinars empower you with knowledge to enhance your quality of life and maintain a positive lifestyle. You can find all previous sessions through: 
• MyGIG Gulf Mobile app   by navigating to the ‘Health on Track` section and selecting `Health TV`
Stay tuned for Health Talk invitations sent directly to your registered email address.

Absolutely. You can buy travel insurance at any point before your departure. However, it's recommended to buy it soon after booking to ensure coverage for any unforeseen cancellations.

Most of our travel insurance policies cover medical emergencies and related expenses. Always check the coverage limit and conditions in your policy details.

There are no mandatory vaccines required to travel to the UAE. However, being up-to-date on routine vaccines is always a good idea. The COVID-19 situation may also change these requirements, so it's important to check the latest travel advice.

No, UAE citizens do not need a Schengen visa to travel to Schengen Area countries for stays of up to 90 days within 180 days. This allows for hassle-free travel and business opportunities.

​​​​​​Third Party Car Insurance is a basic type of car insurance that covers damages and injuries caused by the insured vehicle to other people or property, but not to the insured vehicle itself.

Premiums are determined by various factors, including the vehicle type, age, engine size, and the driver's age and driving history.

Individual policies operate on a "Cash & Carry" basis. Therefore, the premium and all relevant taxes must be paid in full to GIG Gulf for policy issuance.

Certainly, GIG Gulf will send a reminder to the email address that is registered in the system for corporate and SME customers who have an approved credit facility.

If your insurance policy permits the inclusion of dependents, and you have a newborn, it's crucial to inform us promptly about this new addition. Depending on the specific policy regulations and details, we may be able to backdate the coverage to the date of the newborn's birth.

Certain plans we offer include a 'Newborn Benefit,' which provides provisional coverage for the newborn under the mother's policy for up to 30 days within the defined geographical scope. For further information about this benefit and the prerequisites for adding a newborn, please refer your table of benefits and policy handbook.

MyWellness Week is Health on Tracks' annual online wellbeing event designed to empower participants with knowledge across multiple dimensions of holistic well-being, inspiring them to make positive life changes. This program offers a range of free sessions and provides access to world-class experts in various well-being areas. It's an excellent opportunity to strike a balance between work and well-being, with attractive incentives for the highest engagement levels. Registration for the upcoming "MyWellness Week" will be through invitations shared directly. 
You can benefit from this program and access all previous events through:
• MyGIG Gulf Mobile app   by navigating to the ‘Health on Track` section and selecting `MyWellness Week`

• Car Inspection service to be booked 48 hours prior to the required time.
• Airport pick up and Drop off to be booked 48 hours prior to the required time.
• Car service pick up and drop off to be booked 48 hours prior to the required time. 

Your Third Party Insurance will cover the damages and injuries to the other party involved in the accident. However, any damages to your vehicle will be your responsibility.

A program offering a set of diverse health, wellness and prevention solutions, tailor-made for you and your loved ones.
Our goal is to address and cater to your health & wellbeing needs.
It is a comprehensive kit of mental and physical management and prevention tools that will help you maintain a healthy lifestyle and support you in case of illness.

Travel insurance is usually optional, but some countries may require it for entry. Regardless of the requirement, we always recommend getting travel insurance for peace of mind and to avoid large unexpected costs.

Theft: Written proof from the police that the incident has been reported.
Baggage Delay: Written proof from the airline of the delayed delivery of your baggage.

You can book your service online through this  link . The insured vehicle will be taken for inspection only once. If due to any reason, the vehicle needs to be taken more than once, and you will be charged an extra fee. It is your responsibility to make sure all the fines are paid in advance. Please note that the inspection cost will not be bared by GIG.

The cost of travel insurance varies depending on your trip's duration, the coverage selected, your age, and other factors. You can get a quote in minutes on our website find out how much it costs. We offer several levels of coverage so you can find the right coverage for you and your family.

Mindset is a confidential 24/7 access to emotional well-being counseling with licensed psychologists through voice calls. It is a service aiming at raising awareness about mental health by reducing the stigma, preventing mental distress by fostering resilience and empowering you towards a state of psychological safety at work and in your lives.
Service Benefits
•24/7 access to psychologists through a hotline
•Available in 5 different languages: English, Arabic, Urdu, French & Hindi
•Access throughout the year to podcasts, seminars and workshops provided by professional coaches to inform, support and empower you toward a resilient mind
Access Points
You and your dependents (above 17 years) can access the service through:
• MyGIG Gulf Mobile app by selecting the ‘Speak to a Psychologist’ icon
• Alternatively, dial in the toll-free number from a mobile or a landline.  Please contact your HR or key account manager to have more information.
This service is available for eligible members (subject to policy terms and conditions) from the date of policy activation. You may use this service for any matters impacting your wellbeing or psychological health.

Insurance premiums are calculated based on factors like the vehicle’s age, model, value, driver’s age and driving history, and the type of coverage selected.

Hire Car - documents required 

• Copy of the Emirates ID
• Copy of the driving license
• Copy of the passport and visa
• Copy of credit card

Inspection service - documents required

• Copy of the Emirates ID
• Copy of the driving license
• Copy of the passport and visa
• Original old registration card

Once all necessary details are provided and the premium is paid, your policy can be issued online instantly or within a short time.

No, Third Party Insurance is designed to cover liabilities to other parties. Theft or fire-related damages would require more comprehensive insurance.

Outpatient: An outpatient refers to a patient who does not stay overnight in a hospital but instead visits a hospital, clinic, or related facility for diagnosis or treatment and is subsequently sent home after the consultation.
Daycare: Daycare pertains to a patient or case that enters a hospital for a medical treatment or surgical procedure and is managed and discharged within a single day. This falls under the category of outpatient care.
Inpatient: An inpatient denotes an insured member who is formally admitted as a bed patient in a hospital. They incur daily room and board charges, and the stay typically spans a minimum duration of 24 hours.

Travel insurance typically covers medical emergencies, flight cancellations, lost luggage, trip delays, etc. Exact coverage can vary by policy, so it's essential to read the details of your chosen plan.

The documentation needed for individual and family health insurance plans typically includes the following:

• A completed and signed Application Form
• A duly signed GIG Quotation Form
• Signed Underwriting Letters, Final Binding Acceptance Forms, and, in some cases, medical tests
• Proof of identity documents, such as a passport or Emirates ID/Resident Card/National ID
• Proof of payment

Please be aware that the required documents may vary depending on the country, and additional documents might be necessary to comply with each country's specific regulations. For a comprehensive list of the required documents, please visit our 'Contact Us' page to find the most convenient way to get in touch with us or visit one of our branches, where we can assist you further.

GIG Gulf provides options for frequent travellers. If you're making more than three trips a year, consider our Annual Multi-trip policy, which covers all your travels over one year.

The UAE is a vibrant destination with many cultures, traditions, and modern attractions. Remember to respect local customs, dress modestly, and avoid showing public displays of affection. In summer, temperatures can soar, so stay hydrated and protected from the sun.

At GIG Gulf, we offer a seamless online claims process. You can initiate and track your claims procedure all from the comfort of your home.

Yes, English is widely spoken across the UAE, in addition to Arabic. Most signs and menus are in both Arabic and English.

Complete the attached application or provide travel details to GIG branch or to your travel agent. Cover will commence only when this application has been accepted and premium received.

No, we do not offer extensions on travel insurance policies. If you think your trip might be extended, we recommend purchasing a policy with a longer coverage period from the beginning to avoid any gaps.

• Medical Expenses: A medical claim is payable only if GIG Gulf contacted and has approved the cost. A full medical certificate from the attending doctor must be submitted along with original bills and receipts.
• Theft: You must provide written proof from the police that the incident has been reported.
• Baggage Delay: Written proof of the delayed delivery must be obtained from the airline.

Schengen travel insurance is a mandatory requirement for obtaining a Schengen visa. It covers medical emergencies, including emergency medical expenses and emergency medical transportation, during your travel within the Schengen Area.

GIG Gulf's comprehensive home insurance, Home Comfort, protects your building against fire, forceable theft, and natural disasters and covers personal belongings. It also includes liability covers and options for domestic helper insurance. Read our terms and conditions to find out more.

When an employee health insurance plan includes co-insurance, members may be required to contribute a specific percentage of the treatment cost. The exact percentage hinges on two key factors:
• The co-insurance percentage specified for all Outpatient services, as indicated on the health insurance digital or physical card.
• Whether a member sought care from an In-Network Provider under a Direct Billing arrangement or from an Out-of-Network Provider, where they paid upfront and later sought reimbursement, in the case of an emergency.
In contrast, a co-pay or deductible refers to a fixed amount  individuals must pay when they visit a doctor for a consultation. The specific amount is detailed on their medical card. It's important to note that the "co-pay" should not be charged for follow-up visits within 7 calendar days if the visit is related to the same condition and involves the same doctor.

For more comprehensive information about the particulars of your medical insurance plan, including any additional applicable co-insurances, it's advisable to consult your insurance provider directly.

If you find yourself without your insurance card when visiting a healthcare provider, there are alternative solutions available. If you are in the UAE, you can use your Emirates ID. Or, for all other locations, you can access your E-card via the MyGIG Gulf Mobile App.
 

You can get travel insurance, however ,our travel insurance does not cover pregnancy-related medical expenses at all. Any Medical emergency related to pregnancy is an exclusion under our policy, refer to our terms and conditions

Rest of the coverage under the policy is covered subject to policy terms and conditions. Please refer to your policy terms for full coverage details.

Pre-existing conditions refer to medical ailments or illnesses that you had prior to purchasing your insurance policy. Coverage for these conditions varies across policies, so it's essential to read the terms and check with our representatives.

No, Cancelled flights are not covered under the policy.

However, with the Travel Smart plan, you can get up to USD 5,000 coverage for any irrecoverable, unused travel and accommodation costs and other prepaid charges, if your trip is cancelled or cut short because of:

• Serious illness or injury (yours or close family’s)
• Death of you or someone close
• Damage to your home (like a break-in)
• Hijacking

You’ll need to provide proof to support the incident, like a doctor’s report, Airline Report, Travel company report as applicable

No, our travel insurance does not cover car rental damage or costs.

However, if you have an accident while driving abroad, your medical emergency coverage will apply for any injuries.

Emergency dental care resulting from accidents or acute pain is often covered up to a specified limit. Regular check-ups or cosmetic procedures are not covered.

GIG Gulf Inbound Travel Insurance applies to non-working holidays or business trips that do not involve manual labour. This coverage is not available to people leaving their country of residence permanently.

We do not cover delays or cancellations caused by strikes.

You can get a quote and be covered in minutes online by clicking here . Alternatively you can visit your GIG branch office or Travel Agent who can assist you in filling out your application form. Cover will commence once your application has been endorsed and the premium paid.

The best time to visit the UAE is from November to March when the weather is cooler and more comfortable for outdoor activities. You can enjoy the beautiful beaches and outdoor events during these months.

Upon submitting your complaint, you can anticipate a response from us within one working day. We will promptly acknowledge your complaint and provide you with a reference number. Furthermore, we will outline the subsequent steps in the process and provide you with the means to get in touch with us for further discussion.

We are committed to conducting a thorough investigation and aim to communicate the outcome of your complaint within 7 working days for UAE, Oman and Bahrain, 5 days for Qatar.

Please rest assured that your complaint will always be handled with fairness and confidentiality. Once your matter is resolved, your feedback will contribute to our efforts to enhance our services.

Wi-Fi is widely available in hotels, malls, and cafes throughout the UAE. In Dubai, there is also free Wi-Fi in certain public spaces like beaches and parks. However, it's always good to check with your accommodation about internet access.

From GIG Gulf website
• Navigate to the GIG Gulf Website , choose your respective country, click on ` Contact Us ` on the main page, and you will find all the contact information you need to contact our Customer Service Team. Inquiry and complaint forms are also available on this page.
From MyGIG Gulf app
• Login to MyGIG Gulf Mobile App.
• Navigate to `Profile & App Settings`
• Navigate to the `Help & Support` menu in the `Queries and Complaint` section, and you can submit a query or a complaint from there.

You may cancel the Policy within seven days of the issuance date provided the Period of Insurance did not start, including confirmation of no claims or losses made or known or reported or any incident which may give rise to any claim under the Policy, in which case, you will be entitled to a refund of premium subject to the below Administration fee. Annual Travel plan and Travel Schengen product cannot be cancelled - No refund will be made.

Absolutely! With GIG Gulf, you can generate a personalised quote, launch, and track a claim – all online. It's travel insurance made easy.

Yes, our Travel Schengen insurance extends coverage to the entire European Union, not just the Schengen Area.

Absolutely, you can add your dependents to your policy mid-year. To do so, kindly contact our Call Center through the provided contact numbers or send an email to mcs@gig-gulf.com to add your new dependents.

We provide a diverse range of healthcare solutions, and other insurance products like motor, home, travel, personal accident and pleasure craft insurance. Please visit our 'Contact Us ' page to discover the most convenient method for you to reach out to us, allowing us to assist you further.

The price can be influenced by various factors, but is primarily based on:
• Choice of plan
• The individual client's profile, including existing or anticipated medical conditions
• Past claims history

For AT FAULT claims, hire car is provided as per Policy Terms and Conditions. For NOT AT FAULT claims, hire car may be extended for the duration of repairs (not exceeding 15 days in total), subject to appropriate approvals from the faulty party Insurer.

* Basic deductable is the amount paid by the Insured according to the Schedule of Deductibles attached to the Policy per accident. 
* Ancillary deductable is the amount paid by the Insured in addition to the Basic Deductible which is always a fixed percentage of the claimed amount.

We will notify you about the progress of your claim through the journey. For immediate updates, you can track your claim using our website https://www.giggulf.ae/en/customer-portal

You can register your flood claim online in 5 minutes by following these steps:

Visit GIG Gulf customer portal at https://www.giggulf.ae/en/customer-portal

Ensure you have the following information ready:
- Your GIG Gulf Policy Reference Number
- The Driving License of the person who was driving the car at the time of the accident (Front & Back sides)
- Your Car Registration Card (Front & Back sides)
- Police Report mentioning the date of the incident as the actual date of the flood
- Clear pictures of the Flood damage taken at the time of loss
- GIG Gulf Claim Form fully filled and signed by the insured (available for download at the provided link).

If the vehicle was flooded while in the designated parking of any building, ensure to mention the full building details in the claim form:
* Building Name
* Owner / Developer Name
* Locality, Emirate
* Makani Number (if in Dubai)
If your car was parked at the time of the flood, select "I was driving the car" on the online form.

Once the online form is completed with the required details completed, you will receive a confirmation along with your Claim Reference Number.

The Depreciation percentage is applicable as defined in the Policy Terms and Conditions with respect to the age of the vehicle.
The Depreciation percentage is applied on the net cost of the spare part, you may verify the purchase invoice before paying.

You will receive an Offer Letter from our Total Loss Department detailing compensation offered and all the further steps and procedures to be followed in completing the transaction. 

Yes, anyone on a Visit Visa can drive a private vehicle if he/she holds an international or converted driving license, and the claim is covered under these circumstances

The GIG Gulf Policy Reference Number is mentioned in your Policy Schedule Document. For example, it might look like this: 13/VA/123456789/0/0.

If you are eligible for Agency Repairs, your vehicle will be repaired at the vehicle's authorized Agency. If you are entitled for Non-Agency Repairs, the repairs will be arranged at one of our authorized network garages located nearest to you. These garages are selected based on their quality, experience, expertise, and market reputation.

To book a rental car service, please follow these steps:

Ensure that you are eligible for hire car coverage under your policy.
Confirm that a claim has been opened and you have a valid claim number.

Book the service on GIG Gulf website at least 24 hours in advance to ensure availability.

Please contact our technical team directly via email at motorclaims.ml@gig-gulf.com . Kindly include your Claim Reference Number and contact details for assistance regarding your reimbursement payment.

Your vehicle could be considered a Total Loss under the following circumstances:
* If your car is totally damaged beyond repairable conditions due to an accident covered under your policy.
* If the repair cost of your vehicle exceeds 50% of its value at the time of loss, in such condition the vehicle will be qualified to be treated as Total Loss.
Once the vehicle is approved as Total Loss you will be compensated as per the agreed Sum Insured net of depreciation and any applicable excess.

GIG car comprehensive policy gives option to cover for loss or damage to your vehicles due to

• Fighting between countries, even without an official declaration
• Invasion by a foreign power
• Civil war, rebellion, or revolution
• Major civil unrest that escalates into an organised uprising
• A military or other group taking control of a government by force
  *T&C apply.

GIG offers 2 different cover add-on options with our comprehensive plans:

• Essential cover
• Full cover

Check GIG war cover add-ons

For a new quote with War cover - Click Here
To add war cover to your existing GIG car insurance policy - Click Here or Call Us

What it doesn't cover:

• Third-party liability — this add-on covers only your own vehicle
• Damage from radioactive, nuclear, or atomic sources
• Goods carried for trade or business
• Airport or airside operations
• Any loss within, or within 500 metres of, a military base, defence site, or marine port
• Taxis, rental vehicles, and government or embassy-owned vehicles

Cover starts 48 hours after the add-on is bought — claims within that window aren't covered. Standard policy excess — what you pay first on a claim — still applies. This cover runs from purchase to the end of your policy period. It's non-cancellable and non-refundable once issued, and doesn't renew automatically — and needs to be added again at time of renewal.

Check out GIG Gulf war cover options

For a new quote with War cover - Click Here
To add war cover to your existing GIG car insurance policy - Click Here or Call Us

Essential Benefits Plan (EBP) is a DHA-compliant health insurance plan designed to provide affordable, basic healthcare coverage for Dubai residents earning AED 4,000 or less per month. 
It's ideal for domestic workers, nannies, drivers, and other low-income employees.Proof of employment and income is required to confirm eligibility.

Teleconsultation is a 24/7 virtual healthcare consultation with licensed GPs through audio and video calls, teleprescription, health guidance from a nutritionist, and chronic condition monitoring and coaching.
Service Benefits
• 24/7 access to GPs for medical advice
• Medication prescription
• Medication delivery (where approved by regulators)
• No Co-pay
• Wellness and prevention guidance from GPs and nutritionists
Access Points
You and your dependents can access the service through:
• MyGIG Gulf Mobile app, to speak to a doctor, select the ‘Call a doctor’ icon
• Alternatively dial in the toll-free number from a mobile or a landline. Please contact your HR or key account manager to have more information.
This service is available for eligible members (subject to policy terms and conditions) from the date of policy activation. You may use this service, whether you are looking for prevention guidance or fall sick and need immediate medical advice.

If you need a No Claims Discount (NCD) Certificate—also known as a motor insurance letter of experience in the UAE—you can request it directly by email.

This document is commonly required when moving out of the UAE or when applying for car insurance in another country, as it helps prove your no-claims history and may reduce your premium.

How to request your NCD certificate:

• Email directprocessing@gig-gulf.com
• Include your motor policy number clearly in your request

Once your request is received, your NCD certificate will be issued within 2 working days.

Who is eligible?

You may request a No Claims Discount (NCD) certificate if you have completed at least one year of your motor insurance policy without making any claim.

Essential Benefits Plan (EBP) is a DHA-compliant health insurance plan designed to provide affordable, basic healthcare coverage for Dubai residents earning AED 4,000 or less per month. 
It's ideal for domestic workers, nannies, drivers, and other low-income employees.Proof of employment and income is required to confirm eligibility.

EBP offers basic healthcare coverage*, including:
-Annual coverage up to AED 150,000
-Access to 250+ trusted healthcare providers in Dubai
-Inpatient & outpatient treatments**, including emergency services
-Medications
-Maternity coverage for normal delivery and medically necessary C-sections
-Dental coverage up to AED 500 annually
-Chronic condition coverage after a 6-month waiting period
*Some services may require co-insurance as per the policy terms & conditions.
**Consultant or specialist visit requires a prior approval and a mandatory referral from a GP.

EBP offers basic healthcare coverage*, including:
-Annual coverage up to AED 150,000
-Access to 250+ trusted healthcare providers in Dubai
-Inpatient & outpatient treatments**, including emergency services
-Medications
-Maternity coverage for normal delivery and medically necessary C-sections
-Dental coverage up to AED 500 annually
-Chronic condition coverage after a 6-month waiting period
*Some services may require co-insurance as per the policy terms & conditions.
**Consultant or specialist visit requires a prior approval and a mandatory referral from a GP.

Travel Insurance cannot be extended once your trip has started , to be covered , you must purchase your policy before your journey begins

We are a licensed Participating Insurer (PI) with the Dubai Health Authority (DHA). With GIG Gulf, you can benefit from:
-Affordable and DHA-compliant coverage, tailored to meet your needs
-Access to an extensive network of hospitals, clinics, and healthcare providers
-MyGIG Gulf Mobile App for easy policy management at your fingertips
-24/7 multilingual customer support to assist you whenever needed
-Wellbeing resources, including our Health on Track Podcast and Blog , to keep you informed and healthy

Pre-existing and chronic conditions are covered after a 6-month waiting period. However, if you have continuous prior health insurance coverage in the UAE, this waiting period may be waived.

Pre-existing and chronic conditions are covered after a 6-month waiting period. However, if you have continuous prior health insurance coverage in the UAE, this waiting period may be waived.

Yes, EBP includes dental coverage up to AED 500 per year. Please note, a 30% co-insurance applies to dental services.

EBP plans provide direct billing for all covered services when you visit in-network healthcare providers by GIG Gulf.
Here’s how it works:
-Present your GIG Gulf insurance e-card (downloadable from MyGIG Gulf Mobile App ) at the medical facility.
-Pay the applicable coinsurance or deductible at the time of your visit.
-The remaining amount will be settled directly with the healthcare provider.
To find approved clinics, hospitals, or pharmacies near you, use our Provider Locator tool .

Yes. Sponsors must provide insurance, for domestic workers, nannies, drivers, and other low-income staff as per UAE labor law. The insurance policy must be DHA-compliant health insurance such as GIG Gulf's Essential Benefits Plan (EBP)  

Yes. You can apply and purchase GIG Gulf’s EBP health insurance online on our website with only essiential documentation. The process is simple and quick.

We are a licensed Participating Insurer (PI) with the Dubai Health Authority (DHA). With GIG Gulf, you can benefit from:
-Affordable and DHA-compliant coverage, tailored to meet your needs
-Access to an extensive network of hospitals, clinics, and healthcare providers
-MyGIG Gulf Mobile App for easy policy management at your fingertips
-24/7 multilingual customer support to assist you whenever needed
-Wellbeing resources, including our Health on Track Podcast and Blog , to keep you informed and healthy

To apply, please provide:
-Copy of your Emirates ID, Visa, and Passport (for both the insured and sponsor if sponsor is an individual) and Trade License & Establishment Card (if sponsor is a company)
-Labor contract or Salary Certificate showing a monthly salary of AED 4,000 or less
-Proof of previous UAE health insurance (if applicable)
-Duly completed Application Form

Travel Insurance cannot be extended once your trip has started , to be covered , you must purchase your policy before your journey begins .

To apply, please provide:
-Copy of your Emirates ID, Visa, and Passport (for both the insured and sponsor if sponsor is an individual) and Trade License & Establishment Card (if sponsor is a company)
-Labor contract or Salary Certificate showing a monthly salary of AED 4,000 or less
-Proof of previous UAE health insurance (if applicable)
-Duly completed Application Form

Yes, EBP includes dental coverage up to AED 500 per year. Please note, a 30% co-insurance applies to dental services.

The travel insurance doesn’t cover visa refusal under cancellation protection.

We do not allow refund on Travel Annual and Travel Schengen plans. If for any reason you are looking for a refund on your policy, please contact us with your specific situation, and we’ll be happy to review it.

It needs to be noted that, visa rejection is not accepted as a valid reason for cancellation and refund.

Yes, the EBP provides maternity coverage*, which includes:
-Normal delivery: up to AED 10,000
-Medically necessary C-section: up to AED 10,000
-10% co-insurance applies
*Maternity coverage is subject to the policy's terms and conditions. 

GIG Gulf's EBP heath insurance is accepted at a large list of network hospitals and clinics across the UAE. You can check the provider list on the GIG Gulf website or app.

Yes, many of our policies cover theft of personal belongings.

You must always take reasonable care of your baggage and money. If your items are lost/stolen, or accidentally damaged while in the care of a carrier, hotel, or transport company, report it to them in writing and get written confirmation . You must report any theft/stolen or lost items to the local police within 24 hours and get a police report to support your claim.

Mysterious disappearance or claim where the theft cannot be proved by the Insured are not covered. Example forgetting a personal belongings is not covered or “not sure when I dropped/left it” is not covered.

Yes, the EBP provides maternity coverage*, which includes:
-Normal delivery: up to AED 10,000
-Medically necessary C-section: up to AED 10,000
-10% co-insurance applies
*Maternity coverage is subject to the policy's terms and conditions. 

Yes. You can apply and purchase GIG Gulf’s EBP health insurance online on our website with only essiential documentation. The process is simple and quick.

EBP plans provide direct billing for all covered services when you visit in-network healthcare providers by GIG Gulf.
Here’s how it works:
-Present your GIG Gulf insurance e-card (downloadable from MyGIG Gulf Mobile App ) at the medical facility.
-Pay the applicable coinsurance or deductible at the time of your visit.
-The remaining amount will be settled directly with the healthcare provider.
To find approved clinics, hospitals, or pharmacies near you, use our Provider Locator tool .

Yes. Sponsors must provide insurance, for domestic workers, nannies, drivers, and other low-income staff as per UAE labor law. The insurance policy must be DHA-compliant health insurance such as GIG Gulf's Essential Benefits Plan (EBP)  

GIG Gulf's EBP heath insurance is accepted at a large list of network hospitals and clinics across the UAE. You can check the provider list on the GIG Gulf website or app.

Annual Travel plan and Travel Schengen product cannot be cancelled - No refund will be made as per our terms and condition.

Cancellation of a short period Travel Smart insurance is subject to review and if approved an admin fee of 50 AED will be applicable. Subject to no claims during the policy period.

You can download your Orange Card PDF by logging into your portal here: GIG Gulf Customer Portal. Click on the Orange Card icon once you're in.

Yes, We cover any water damage, electrical faults and alternate accommodation, if needed.

1. Roadside Assistance:
If you need roadside assistance, please call our toll-free number. We will coordinate with the towing service to assist you.
Roadside Assistance service is covered within your city and to the nearest workshop.

2. Get the Police Report:
In case of an accident, you may contact the Police on 999 or alternatively through Dubai Police App (for minor accident).

3. Register Your Claim:
You can register your claim online on the GIG Gulf website at https://www.giggulf.ae/en/customer-portal You will receive your Claim Reference Number.

4. Workshop/Agency Allocation:
Once your claim is opened, GIG Gulf will send you a confirmation email or SMS with details of the workshop or agency (if eligible for agency repair) where you can drop off your vehicle for a repair estimate.

5. Rental Car Booking (if eligible):
If your policy includes hire car service, you can book a rental car on our website at least 24 hours in advance.

6. Repair:
Once repair is authorized, you will be notified via SMS/email.

Note:
For traffic collision claims where a third party is at fault, it is mandatory to wait for approval from the third party's insurance company before proceeding with the claim.
For claims where you are responsible for the damage (any claim that is non-recoverable), you will need to pay the standard excess amount to the workshop (and any other applicable excess), as per policy terms and conditions.

7. Real-Time Tracking Status of the Claim:
You can track the status of your claim on the GIG Gulf website at https://www.giggulf.ae/en/track-motor-claims using your Claim Reference Number.

Contact us on our toll-free number 800 292 and select the "Roadside Assistance" option, which is available 24/7.

You will be required to pay the Excess amount/ Basic and Ancillary Deductable when collecting your vehicle from the workshop/Agency in case of repairs. In case of Total Loss, this will be deducted from the final settlement.

Off-road coverage is designed to protect your vehicle during off-road adventures. GIG Gulf’s Motor Third Party does not cover off-roading, but Prestige and Perfect do.  

If your policy is eligible for Car Service Pickup & Drop off service, please click the link below to book the service. Make sure to book at least 48 hours in advance:
https://www.giggulf.ae/en/customer-portal

You can register your windscreen claim online in 5 minutes by following these steps:

Visit GIG Gulf customer portal at https://www.giggulf.ae/en/customer-portal

Ensure you have the following information ready:
- Your GIG Gulf Policy Reference Number
- The Driving License of the person who was driving the car at the time of the accident (Front & Back sides)
- Your Car Registration Card (Front & Back sides)
- Police Report/ GIG Gulf Claim Form fully filled and signed by the insured (available for download at the provided link)
- Clear pictures of the damage

Once the online form is completed with the required details completed, you will receive a confirmation along with your Claim Reference Number.

Go to MyGIG Car, log in and click Orange Card to download the PDF.

Go to MyGIG Car, log in and click Orange Card to download the PDF.

You can register your claim online in 5 minutes by following these steps:

Visit the GIG Gulf customer portal at https://www.giggulf.ae/en/customer-portal

Ensure you have the following information ready:
- Your GIG Gulf Policy Reference Number
- The Driving License of the person who was driving the car at the time of the accident (Front & Back sides)
- Your Car Registration Card (Front & Back sides)
- Police Report 

Once the online form is completed with the required details completed, you will receive a confirmation along with your Claim Reference Number.

To process your cancellation and potential refund, we require official proof that you no longer own or operate the vehicle.

1. Required Documents.
Please provide one of the following documents from the RTA or Registration Office:

• Possession Certificate: Must include full vehicle details (Chassis No., Make, Model).
• New Owner’s Registration Card: A clear copy of both the front and back.
• Export Certificate: If the vehicle has been moved out of the country.

Note: We cannot accept 

• RTA receipts, 
• Sales Agreements, or 
• Tourism Certificates. 

For help obtaining these, contact the RTA at 800 90 90 or ask@rta.ae

2. Refund Eligibility
Refunds are normally provided when there have been no ‘at fault’ claims in the current insurance year. Your refund would be calculated as per below.

Period of Insurance received

• From 0 days – 30 days : 80%
• From 31 days – 120 days : 70%
• From 121 days  - 180 days : 50%
• From 181 days – 300 days : 30%
• From 301 days - expiry : Nil refund

3. Next Steps
Once we receive your documents, your cancellation will be processed.
Payment: Your refund will be credited back to the original card used for purchase.

Timeline: Please allow 7 to 10 working days for the funds to appear in your account.

To process your cancellation and potential refund, we require official proof that you no longer own or operate the vehicle.

1. Required Documents.
Please provide one of the following documents from the RTA or Registration Office:

• Possession Certificate: Must include full vehicle details (Chassis No., Make, Model).
• New Owner’s Registration Card: A clear copy of both the front and back.
• Export Certificate: If the vehicle has been moved out of the country.

Note: We cannot accept 

• RTA receipts, 
• Sales Agreements, or 
• Tourism Certificates. 

For help obtaining these, contact the RTA at 800 90 90 or ask@rta.ae

2. Refund Eligibility
Refunds are normally provided when there have been no ‘at fault’ claims in the current insurance year. Your refund would be calculated as per below.

Period of Insurance received

• From 0 days – 30 days : 80%
• From 31 days – 120 days : 70%
• From 121 days  - 180 days : 50%
• From 181 days – 300 days : 30%
• From 301 days - expiry : Nil refund

3. Next Steps
Once we receive your documents, your cancellation will be processed.
Payment: Your refund will be credited back to the original card used for purchase.

Timeline: Please allow 7 to 10 working days for the funds to appear in your account.

If you need a No Claims Discount (NCD) Certificate—also known as a motor insurance letter of experience in the UAE—you can request it directly by email.

This document is commonly required when moving out of the UAE or when applying for car insurance in another country, as it helps prove your no-claims history and may reduce your premium.

How to request your NCD certificate:

• Email directprocessing@gig-gulf.com
• Include your motor policy number clearly in your request

Once your request is received, your NCD certificate will be issued within 2 working days.

Who is eligible?

You may request a No Claims Discount (NCD) certificate if you have completed at least one year of your motor insurance policy without making any claim.