most commonly asked questions about our insurance products and solutions.
Health
How can I request a payment refund?
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.
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 a Bank Transfer Details Form from the third party. 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.
For payment of premiums, if the payee is different from the Policyholder (PH), what documentation is required to process the payment?
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 payment will be accepted. Such requests are subject to compliance checks and payment shall be processed upon successful compliance clearance.
What are the factors that affect health insurance premium?
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
Who is liable for taxes/VAT on policy contract?
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 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.
Does my policy include coverage for maternity?
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?"
Motor
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A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
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A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
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A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
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A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
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A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
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A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
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HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
HTML Example
A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
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A paragraph is a self-contained unit of a discourse in writing dealing with a particular point or idea. Paragraphs are usually an expected part of formal writing, used to organize longer prose.
Group Health
Is medical insurance mandatory for employees in UAE?
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.
What is health insurance?
Health insurance provides you with a safety net against unexpected medical expenses, including costs related to hospitalization, medications, or doctor visits.
Why should I buy health insurance?
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
What are the factors that affect health insurance premium?
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
What is not covered by health insurance?
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.
Is medical insurance mandatory for employees in UAE?
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.
What is health insurance?
Health insurance provides you with a safety net against unexpected medical expenses, including costs related to hospitalization, medications, or doctor visits.
Why should I buy health insurance?
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
What are the factors that affect health insurance premium?
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
What is not covered by health insurance?
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.
How to make an informed choice for a suitable health insurance plan?
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.
What healthcare insurance options are available for businesses looking to provide coverage for their employees?
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.
How can I transition to GIG Gulf from my current health insurance provider?
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.
What are the eligibility criteria to buy group health insurance plans?
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.
I am a UAE policy holder; how do I access medical care in the UAE?
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.
What is MyGIG Gulf Mobile App and how can I download it?
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.
How can I register/ log in MyGIG Gulf Mobile App?
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.
I don’t know my policy number or membership number. How can I register on MyGIG Gulf Mobile App?
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 .
How can I change my registered e-mail address/username on MyGIG Gulf Mobile app?
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.
I have reset my password but didn’t receive an e-mail with password reset instructions. What should I do to receive the e-mail?
• 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.
How can I access all my policy details and download documents related to my policy?
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.
What benefits does my policy provide and where can I download my table of benefits?
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'.
How can I access the Health e-Cards for both myself and my dependents?
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.
Are there any co-payment and deductible fees associated with my policy, and where can I access this information?
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.
I currently hold an active GIG Gulf Insurance Policy; is it possible to include my dependents during the middle of the year?
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.
