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Claim and Track with ease
Before You Submit Your Claim
- Get it signed: Claim form must be signed & stamped by you and your doctor
- Attach bills: Include invoices with receipts or paid stamps
- Add medical proof: Reports, lab tests, scans, and referral letters (if applicable)
Keep Your Documents Safe
- Save copies of all submitted documents
- Keep them for at least 12 months (we may request them later)
Before You Submit Your Claim
- Get it signed: Claim form must be signed & stamped by you and your doctor
- Attach bills: Include invoices with receipts or paid stamps
- Add medical proof: Reports, lab tests, scans, and referral letters (if applicable)
Keep Your Documents Safe
- Save copies of all submitted documents
- Keep them for at least 12 months (we may request them later)
After an Accident
- Report the incident to the police immediately
- Obtain your official police report
Submit Your Claim
- Notify GIG as soon as possible
- A police report is mandatory for processing
After an Accident
- Report the incident to the police immediately
- Obtain your official police report
Submit Your Claim
- Notify GIG as soon as possible
- A police report is mandatory for processing
After an incident
- Minimize damage: Take immediate steps to reduce further loss
- Collect evidence: Gather all proof of the incident and damages
In case of theft
- Report to police: Obtain an official report listing stolen items
Claim valuation requirements
- Retain damaged items: Needed for inspection if required
- Save documents: Keep all evidence and receipts for your claim
After an incident
- Minimize damage: Take immediate steps to reduce further loss
- Collect evidence: Gather all proof of the incident and damages
In case of theft
- Report to police: Obtain an official report listing stolen items
Claim valuation requirements
- Retain damaged items: Needed for inspection if required
- Save documents: Keep all evidence and receipts for your claim
Medical Emergency
- Call +971 44294003 immediately
- Confirm coverage with provider
Theft
- Get police report at destination stating incident and stolen items
- List all stolen items
Baggage Delay
- Get airline letter/report
- Confirm delivery date/time
Contact Claims
Medical Emergency
- Call +971 44294003 immediately
- Confirm coverage with provider
Theft
- Get police report at destination
- List all stolen items
Baggage Delay
- Get airline letter/report
- Confirm delivery date/time
Contact Claims
Documents required
Policy and membership no.
Find you policy and membership no. on your registered E-mail address.
Completed Claim form
The claim form has to be stamped and signed by the treating practitioner and by you.
Invoices related to claim
Invoices should be attached with receipts/ paid stamps.
Supporting documents
Supporting documents might include medical reports, laboratory test results, ultrasound reports, and referral letters.
What to expect After submitting your claim
Email and SMS
You will receive the reference claim no. by Email and SMS
Notify
We will notify you at every stage of your claim journey.
Duration
Bank transfer claims are settled in 10 working days.
Documents required
Police report / reference number
A police report is an official document issued by the police after an accident, containing a unique reference number used to track your claim. You receive it directly from the police when you file the report.
Copy of driver's license
Driver’s License is your official document authorizing you to drive, containing a unique license number, found on the license card issued by the authorities.
Car registration card
Car Registration Card is the official document proving vehicle ownership, containing the registration number, found on the card issued by the traffic authorities.
What to expect After submitting your claim
SMS and Email
You will receive the reference claim no. by SMS and email
Documents required
Claim form
Official document to report home damage or loss to GIG for processing your claim.
Photos
Capture damaged areas, affected items, and evidence to help GIG assess and process your home claim quickly.
Supporting documents
These may include receipts, invoices, ownership proofs, repair estimates, police reports (for theft), and any evidence validating the damage or loss.
What to expect After submitting your claim
Email and SMS
You will receive the reference claim no. by SMS
Documents required
Policy & membership number
Unique number identifying your travel insurance policy and membership.
Medical reports
Medical reports must be attested by the hospital/doctor for claim processing.
All related invoices
Receipts, boarding passes, police reports, airline letters, passport copies, prescriptions, and policy proof.
Proof of residence
Provide valid proof of residence confirming your current address for verification purposes.
Police report ( in case of theft )
In case of theft, you should provide a written proof from the Police at your destination stating the incident and the stolen items.
Supporting documents to prove your loss
Submit all required medical, travel, and baggage documents with valid receipts attested by authorities.
What to expect After submitting your claim
Email and SMS
You will receive the reference claim no. by SMS
| Benefits (in AED) | Comprehensive -Agency | Comprehensive -GIG Garage | Third Party |
|---|---|---|---|
| Loss or damage to the insured vehicle | No | ||
| Third party liability- Bodily injury | |||
| Third party property damage | 5 Million | 3.5 Million | 3.5 Million |
| Legal liability extended to include family members as Third Party | |||
| Storm, Floods, Riots and Strikes | No | ||
| Personal injury cover | 20,000 AED | 20,000 AED | No |
| Emergency medial expenses | 6,000 AED | 3,500 AED | No |
| Personal belongings | 4,000 AED | 4,000 AED | No |
| Oman Cover | Optional | ||
| Off road cover | No | ||
| Maximum agency repair period | 5 years | Optional up to 5 years | No |
| Guaranteed repairs | No | ||
| Back to invoice on total loss | 24 months from first registration | 6months from first registration | No |
| Waiver of excess windscreen damage | Below 5,000 AED | No | |
| Personal accident - driver | 350,000 AED | 200,000 AED | 200,000 AED |
| Personal accident - passengers | 200,000 AED | 200,000 AED | 200,000 AED |
| Personal accident - passengers | Up to 1,500 AED | Optional up to 7 days | No |
| 24 hour accident and breakdown recovery | No | ||
| 24 hour accident and breakdown recovery | - | - | No |
| Pickup & delivery (Claims Service) | |||
| Claims single point of contact | No | No |
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Frequently asked questions
What are the steps to submit a Health claim through GIG Gulf Website?
-
Navigate to the GIG Gulf Website and click on the MyGIG link. Alternatively, select 'Submit a Claim' from the Health tab under the navigation bar and choose 'Submit a Claim' under Insured Members.
- Click on 'Login' and enter your MyGIG Gulf credentials.
- Initiate the online claims process by clicking on the 'Claims' menu.
- Click on the 'Submit a claim' button.
- Your policy information will be automatically pre-filled. Scroll down and enter your contact details.
- 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: Claim form signed and stamped by your treating practitioner and yourself Stamped invoices or receipts Supporting documents such as medical reports, lab test results, ultrasound reports, and referral letters
- Enter or update your bank details, then click 'Next' to review all details before submitting your claim.
What are the steps to submit a claim through MyGIG Gulf Mobile App?
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:
- Claim form signed and stamped by your treating practitioner and yourself
- Stamped invoices or receipts
- 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, then click on 'Next' to review all the details before finally submitting your claim.
How can I view and track my claims?
Access the MyGIG Gulf Mobile App(Health only) or log in via the website for others.
- 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.
What documents are required to submit a claim?
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).
What does "proof of payment" refer to and is this document necessary for all claim submissions?
A proof of payment refers to documentation—such as a receipt, bank statement, or credit card record—needed to verify that a premium has been paid or a medical service has been settled.
And yes, for claim submission, proof of payment is necessary.
With GIG acceptable proofs of payment may include a credit card receipt or a hospital receipt stamped as paid. These serves as a guarantee that the member has settled the expenses for the services availed.
What is the process for requesting reimbursement for my claim?
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.
What is an "itemized invoice," and is this document required for every claim submission?
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.
Is it possible to submit scanned copies of my claim documents?
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.
I submitted a medical claim, what should I expect next?
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
Who should I reach out to if there are any discrepancies in the settlement?
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.
What are Reasonable & Customary (R&C) charges? When do they apply?
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.
How long will it take for my reimbursement claim to be processed?
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.
Why is my reimbursement amount less than the amount I had claimed for?
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.
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.
What is the method of payment for reimbursement claims?
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.
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.
What is the difference between a claim and a complaint?
A claim is a request you submit to receive coverage or reimbursement for expenses under your insurance policy.
A complaint is raised when you are not satisfied with a service, experience, or outcome, such as delays or claim decisions, and want the issue to be reviewed and resolved.
In short, a claim is about receiving benefits, while a complaint is about addressing concerns or dissatisfaction.
A claim is a request you submit to receive coverage or reimbursement for expenses under your insurance policy.
A complaint is raised when you are not satisfied with a service, experience, or outcome, such as delays or claim decisions, and want the issue to be reviewed and resolved.
In short, a claim is about receiving benefits, while a complaint is about addressing concerns or dissatisfaction.
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