Things people actually ask us.

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

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.

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

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.

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.

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.

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

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

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.

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

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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

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.

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.

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

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.

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.

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.

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

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

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.

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.

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.

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.

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.

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

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

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

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

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.

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.

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.

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.

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.

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 .

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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 .

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.

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 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.

No, pre-approvals are not necessary for emergencies.

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.

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.

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.

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.

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).

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.

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 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.

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.

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.

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.

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.

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.

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.

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`

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

Generally, the core principles of home insurance remain consistent whether you are in Dubai, Abu Dhabi, or any other emirate. However, the specifics of a policy, including costs, can vary due to factors like differences in property value, construction types, and local regulations. As GIG Gulf

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.

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.

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.

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.

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.

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.

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

You can initiate a claim by calling 800292, visiting the GIG Gulf website. Customer service representatives are available 24/7 to guide you through the process.

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

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.