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.

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

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.

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.

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 essential documentation. The process is simple and quick.

GIG Gulf's EBP health 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.