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.

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.

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.

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.

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.

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.

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.

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 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.

• 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.

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.

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.

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.

Yes, eCards can be used for visa stamping purposes.

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

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

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

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

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 .

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.

• 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 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.

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).

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

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

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

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

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

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

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.

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

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

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.

• Cash Payments: SME customers can make cash payments at GIG offices or points of sale in Oman, Qatar, and the UAE. However, please note that, cash payments are not available as an option in Bahrain for businesses. For cash payments of AED 10,000/QAR 10,000/OMR 1,000 or more, supporting documents will be required as part of the compliance process, and our Sales teams will request these documents.
• E-commerce: SME customers can utilize the e-commerce option through POS machines at GIG offices or points of sale, as well as payment links generated and shared by GIG staff or authorized representatives.
• Cheque Payments: Both SME and corporate customers can issue cheques to settle their premium payments to GIG.
• Wire Transfer: SME and corporate customers can make payments via wire transfer using the bank details specified on their invoices. It's essential to ensure that GIG receives the full invoice or quotation amount, including applicable taxes/VAT, and that the remitter bears any bank charges and exchange differences incurred during the wire transfer process.

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.

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

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

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

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

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

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

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

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

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

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.

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.

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.

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.

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.

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

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

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

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

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

A program offering a set of diverse healthcare solutions of wellness and prevention, tailor-made for you and your loved ones.
Our goal is to address and cater to your healthcare needs throughout all stages, from being healthy to occasionally ill to chronically to critically ill.
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 options
You can access the service through:
•‘MyGIG Gulf’ 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.
We recommend using this tool as soon as your insurance policy starts and throughout the year, 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
Your employees and their dependents (above 17 years) can access the service through:
•‘MyGIG Gulf’ 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.
We recommend you use this tool as soon as your insurance policy starts and throughout the year for any matters impacting your wellbeing or psychological health.

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.

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. To access these sessions, you can find all previous sessions on the Health on Track section of MyGIG Gulf Mobile App and invitations are sent directly to members by the "GIG Health & Wellbeing" Team

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

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

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.

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

• If you 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.

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

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

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

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.

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

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 .

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

MyWellness Week is Health on Tracks' annual online educational 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 classes 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. To benefit from this program, access all previous sessions through the Health on Track section of the MyGIG Gulf Mobile App . Registration will be available when the program reopens.

GIG Gulf Health and Well-being Blog consists of monthly posts that share practical and actionable knowledge related to well-being. These articles cover a variety of trending topics related to healthy living, disease management and prevention. Access to all the blog posts through the GIG Gulf Website or Health on Track section of the MyGIG Gulf Mobile App.

The Health on Track Podcast is a bi-weekly shot of wellness insights. We feature subject matter experts who address a wide range of health concerns and wellness challenges to support our members at all stages of their wellbeing journey. You can listen to the podcast on platforms like Spotify, Apple Podcasts, YouTube, Anghami or through the GIG Gulf Website.

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.

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.

"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.

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

No, pre-approvals are not necessary for emergencies.

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.

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.