GIG Gulf Individual Health Insurance

One of their exclusive offerings is the GIG Gulf Individual Health Insurance plan, which is customised to ensure the best health protection for its clients. This is further complemented by their outstanding customer service and efficient claims handling, which makes the experience seamless for policyholders.

Plans Under GIG Gulf Individual Health Insurance

GIG Gulf Individual health insurance offers diverse plans catering to various requirements and budgets, allowing you to select a policy that best aligns with your needs and ensures you’re shielded against unforeseen medical expenditures. Each plan comes with its unique set of benefits, ensuring there is something apt for everyone.

Below are some distinctive plans offered by GIG Gulf for individuals residing in Dubai & Northern Emirates:

1- Smart Health Global

In the journey towards maintaining optimal health, Smart Health Global is a beacon of comprehensive coverage, offering a formidable yearly maximum limit and an extensive coverage area, excluding the USA.

Features/Criteria	Smart Health Global
Annual Limit	Up to AED 7,500,000
Coverage Location	Global (excluding the USA)
Outside Area Coverage	Up to AED 750,000
Inpatient Network	STAR Plus & International Directory
Outpatient Network	Star
Inpatient Coinsurance	None
Outpatient Coinsurance	10%
Maternity Coverage	Up to AED 25,000 for delivery
Dental Coverage	Up to AED 4,000 with 20% co-insurance
Teleconsultation (GIG Gulf360)	Covered

2- Smart Health Regional

This plan aims to combine flexibility with substantial coverage across specific countries, offering a considerate yearly maximum and designated coverage areas.

Feature/Criteria	Smart Health Regional
Annual Limit	Up to AED 2,500,000
Coverage Location	GCC, Syria, Iran, etc.
Outside Area Coverage	Up to AED 250,000
Inpatient Network	STAR & International Directory
Outpatient Network	Diamond
Inpatient Coinsurance	None
Outpatient Coinsurance	10%
Maternity Coverage	Up to AED 20,000 for delivery
Dental Coverage	Up to AED 2,000 with 20% co-insurance
Teleconsultation (GIG Gulf360)	Covered

3- Smart Health Gold

The Smart Health Gold plan carves its niche by providing a substantial yearly maximum limit and targeted coverage in the UAE and selected home countries, ensuring you're covered where it matters most.

Feature/Criteria	Smart Health Gold
Annual Limit	Up to AED 500,000
Coverage Location	UAE and Selected Home Countries
Outside Area Coverage	Up to AED 50,000
Inpatient Network	Diamond
Outpatient Network	Diamond
Inpatient Coinsurance	None
Outpatient Coinsurance	10%
Maternity Coverage	Up to AED 15,000 for delivery
Dental Coverage	Up to AED 1,000 with 20% co-insurance
Teleconsultation (GIG Gulf360)	Covered

4- Smart Health Silver

Offering a balance in healthcare coverage, Smart Health Silver provides notable features for individuals seeking substantial coverage in the UAE and selected home countries.

Feature/Criteria	Smart Health Silver
Annual Limit	Up to AED 250,000
Coverage Location	UAE and Selected Home Countries
Outside Area Coverage	Not covered
Inpatient Network	Diamond
Outpatient Network	Crystal
Inpatient Coinsurance	None
Outpatient Coinsurance	10%
Maternity Coverage	Up to AED 10,000 for delivery
Dental Coverage	Not covered
Teleconsultation (GIG Gulf360)	Covered

5- Smart Health Bronze

Smart Health Bronze extends coverage that is economically friendly and UAE-centric, aptly designed for individuals who prioritise local healthcare solutions.

Feature/Criteria	Smart Health Bronze
Annual Limit	Up to AED 150,000
Coverage Location	UAE Only
Outside Area Coverage	Not covered
Inpatient Network	Crystal
Outpatient Network	Pearl
Inpatient Coinsurance	20% (capped at AED 500/episode & AED 1000/annum)
Outpatient Coinsurance	20%
Maternity Coverage	Up to AED 7,000 normal / AED 10,000 C-section delivery
Dental Coverage	Not covered
Teleconsultation (GIG Gulf360)	Not covered

* Selected home countries in Smart Health Gold and Silver include either Sri Lanka, India, Pakistan, Nepal, Bangladesh, the Philippines, or Bhutan.

Key Features and Benefits of GIG Gulf Individual Health Insurance

It's essential to choose a plan that not only ensures optimum coverage but also offers added benefits for a comprehensive healthcare experience. The GIG Gulf Individual Health Insurance by GIG Gulf stands out as a holistic solution, perfectly tailored for individuals who prioritise both health and peace of mind.

With a legacy of trust and commitment, GIG Gulf ensures its policyholders get the very best. Here's a deeper dive into the key features and benefits of this unique health insurance:

24/7 Worldwide Emergency Medical Assistance

For those who lead a global lifestyle, unforeseen medical emergencies can arise anywhere, anytime. With the GIG Gulf Individual Health Insurance, you're never alone.

Whether you're on a business trip in Tokyo or a vacation in Paris, the plan's evacuation and repatriation services are always at your beck and call, 24 hours a day, 365 days a year.

Personal Accident Coverage

Life is unpredictable, and accidents, unfortunately, are a part of it. This health insurance plan goes a step further to provide a safety net in these unfortunate events. If the unthinkable happens, the policyholder's beneficiaries will receive a lump sum amount ranging from AED 25,000 to AED 150,000 in the event of accidental death.

MyGIG Gulf App

In this digital age, having immediate access to your health information is invaluable. The MyGIG Gulf app, thoughtfully designed with the user's needs in mind, brings all your healthcare details to your fingertips.

Whether you want to check your benefits, access services, or simply stay updated, the app makes it all effortless. It's health management reimagined for the modern individual.

Tailored Plans for Varied Needs

Recognising that every individual's health needs are distinct, the GIG Gulf Individual Health Insurance offers multiple tiers of coverage. Whether you're looking for a basic plan or a premium one with more extensive benefits, there's something tailored just for you.

Each plan is designed with meticulous care, ensuring that you get the best value for your investment.

Eligibility Criteria for GIG Gulf Individual Health Insurance

One must also be aware of the criteria that determine one's eligibility for the plan. Health insurance in the UAE, like in many places, is curated to match the specific needs of its target audience.

With the GIG Gulf Individual Health Insurance by GIG Gulf, potential policyholders should familiarise themselves with these prerequisites to ensure a smooth application process.

Category	Eligibility Criteria
Age Limit	Individuals who are between 18 to 99 years old find themselves eligible to apply.
Renewability	They are clearly outlined and based on the specific policies set forth by the provider, GIG Gulf.

What is Included Under GIG Gulf Individual Health Insurance?

Here's a detailed look into what's included under this top-tier health insurance:

• With GIG Gulf Individual Health Insurance, you're never far from quality medical care. Policyholders have the privilege of easy treatment access and direct settlements from a vast network of over 3,000 providers across the UAE.
• For those who travel or reside abroad, the coverage extends to over 800,000 providers globally, ensuring a seamless healthcare experience no matter where you are.
• Understanding that health concerns can arise at any hour, the insurance comes equipped with 24/7 support.
• In instances where you've made an out-of-pocket payment for medical services, the online reimbursement process is swift and hassle-free. It ensures that claims are addressed promptly.
• Sometimes, all one needs is expert advice before deciding on a treatment route. The 24/7 free medical teleconsultation service connects you with certified doctors, providing valuable insights and guidance whenever you need it.
• Recognizing that oral health is integral to overall well-being, routine dental cover is included in the plan.
• The policy is not just limited to common ailments. It generously includes inpatient and outpatient cover, ensuring that both minor and major health issues are addressed.
• Moreover, pre-existing and chronic conditions are covered, providing a safety net for those with long-term health concerns.
• The inclusion of coverage for cancer and the related Specialist Patient Support Programme ensures that patients receive the dedicated care and support they require.
• In today's digital era, having health information at one's fingertips is invaluable. The MYGIG app consolidates all healthcare needs, from viewing benefits to accessing the electronic healthcare card, making health management more streamlined.

GIG Gulf Individual Health Insurance is more than just a policy; it's a comprehensive healthcare companion tailored for the modern individual.

Exclusions of GIG Gulf Individual Health Insurance

The exclusions in a health insurance policy refer to specific conditions or circumstances under which the policy won’t pay out, aiding consumers in avoiding unexpected financial burdens. Here’s a breakdown of several exclusions under GIG Gulf Individual Health Insurance:

• Any services that do not necessitate ongoing management by specialised medical personnel fall under exclusions, ensuring that the focus remains on specialised, necessary medical interventions.
• All expenses connected with assisted conception and any resultant complications from assisted pregnancies are excluded to maintain the policy's financial viability.
• Expenses stemming from the termination of a pregnancy, unless it is medically necessary, are not covered to adhere to medical and ethical guidelines.
• Treatments and services associated with contraception are excluded to prioritise coverage for other pressing healthcare needs.
• The policy excludes costs related to collecting donor organs for transplant surgery and associated administrative expenses, keeping the primary focus on the insured's direct healthcare needs.
• Cases resulting from the utilisation of alcoholic beverages, controlled substances, drugs, and hallucinatory substances are not covered, emphasising healthy lifestyle adherence.
• The insurance does not cover investigations, tests, or procedures performed with the purpose of excluding any foetal anomaly, aligning with standardised medical insurance practices.
• Costs for providing or fitting any external prosthesis or appliance are excluded, necessitating additional planning for such needs.
• All expenses related to detailed dental treatment, dental prostheses, and orthodontic treatments are not covered, highlighting the need for specialised dental insurance.
• Any claims concerning treatment received outside the area of cover or against medical advice are excluded, ensuring adherence to geographically relevant healthcare provisions.
• All cosmetic healthcare services, services associated with replacing an existing breast implant, and personal comfort items (e.g., television, beauty services, etc.) are not covered to keep the focus on essential health needs.
• Treatment that hasn’t been established as effective or which is experimental and healthcare services performed by unauthorised providers are excluded, ensuring quality and validated healthcare.
• Healthcare services and supplies for smoking cessation programs, treatments of nicotine addiction, and treatments for obesity are not included, necessitating alternative financing for these services.
• Treatments and services arising due to professional sports activities and certain high-risk activities are excluded to prevent underwriting high-risk endeavours.
• Custodial care, healthcare services which are not medically necessary, and services not seeking to improve or change the medical condition of the patient are excluded to sustain policy affordability.
• Healthcare services and treatments by alternative medicine, like acupuncture, acupressure, and homoeopathic treatments, are not covered unless specified, ensuring evidence-based care.
• All healthcare services & treatments for in-vitro fertilisation (IVF) and related processes are not covered, illustrating a common exclusion in health policies.

While GIG Gulf Individual Health Insurance offers numerous benefits, understanding its exclusions allows for comprehensive planning and informed decision-making regarding one's healthcare journey, ensuring no unexpected hurdles down the line.

Choose wisely, and allow your insurance to be your silent, steadfast supporter through every health challenge. Visit Policybazaar.ae, your gateway to deciphering and opting for the best health insurance plan, ensuring that the path is always in your best health interest.

Here are some frequently asked questions about GIG Gulf individual health insurance. 

Frequently Asked Questions