GIG Gulf Critical Illness Health Insurance

The company's goal revolves around safeguarding its customers' health across all facets of life — from routine medical requirements to unforeseen critical conditions.

In a world where health uncertainties abound, GIG Gulf health insurance understands that true security lies in holistic coverage. Its insurance offerings encompass a wide spectrum of medical needs, assuring individuals and families that they will be shielded against the financial burden of healthcare emergencies.

With a blend of expertise, innovation, and a commitment to serving its clientele, GIG Gulf (GIG Gulf) navigates the intricate terrain of health insurance with a dedication to fostering lasting well-being, underscoring that true wellness encompasses both the expected and the unexpected.

What is Critical Illness Health Insurance?

A critical illness health insurance plan is a type of additional coverage for critical medical emergencies such as heart attacks, cancer, stroke, Parkinson’s Disease, and more. This type of insurance coverage offers the much-needed financial safety cushion in case the policyholder faces a life-threatening disease.

When an insured individual is diagnosed with a critical illness, the insurance provider offers a lump sum amount that helps the individual undergo the treatment. This fund also covers the lost income sources and helps manage daily expenses as well as debt obligations.

General Features of a Critical Illness Health Insurance Plan

Discussed below are the standard features of critical illness health insurance -

Comprehensive Coverage - A critical illness health insurance plan covers all the major life-threatening diseases including but not limited to stroke, cancer, heart attack, end-age renal failure, and so forth.
Income Replacement - This type of health insurance plan offers payouts to insured individuals so that they can handle their regular expenses and financial obligations.
Avail of Lump Sum Payout - When the treatment is going on, the insured and their family can receive a lump sum payment from the insurance company, eliminating the excessive out-of-pocket expenses.
Simple Application Process - It is easy to apply for a critical illness health insurance plan using minimum paperwork. Even during the claim settlement process, the insurance provider has an easy process.

Reasons to Opt for a Critical Illness Health Insurance Plan

Listed below are the major reasons to opt for critical illness health insurance -

Covers the Medical Expenses and Other Treatment Costs - With a critical illness health insurance plan in place, it becomes easier to cover the rising medical expenses, consultations, and hospitalisation, especially if the insured is a solo breadwinner.
Regain Your Lost Income - When diagnosed with a life-threatening disease, seeking medical help is extremely important. The expenses, however, can mount quickly due to inflated medical expenses, depleting the insured’s savings and income. This is further exacerbated as it can get challenging for the patient to continue with work, leading to a loss of income. A critical insurance health insurance cover can offer full or fixed payments to help cover this loss of income.
Support for Monthly Expenses - As a professional, the insured individual may have responsibilities and liabilities such as loan repayments which can be affected by health issues and income loss owing to the critical illness. A critical insurance cover provides a fixed payout to handle these financial obligations without additional burden.
Additional Financial Support - Critical insurance offers extra financial aid beyond your primary health insurance cover, including a wide range of disorders and illnesses not covered by basic health policies. This cover helps you cope with medical conditions and their rising expenses.
Affordable Premiums - Critical illness health insurance is now more accessible and affordable than commonly believed. Technological advancements and reasonable government regulations have made these policies easily available at reasonable rates.

Note: Before choosing a policy, compare different options and their respective benefits.

Common Illnesses Covered under Critical Illness Health Insurance Plans

Here is a list of the major critical illnesses covered -

Stroke
Heart attack
Kidney failure
Alzheimer’s disease
Parkinson’s disease

Muscle dystrophy
Encephalitis
Poliomyelitis
Brain surgery
Chronic lung disease
Chronic liver disease
Motor neuron disease
Coma
Loss of speech
Multiple sclerosis
Hepatitis
Cancer
Heart valve replacement because of physical defects
Aorta surgery
Major organ transplantation (lungs, kidney, heart, and so forth)
Pulmonary arterial hypertension
Permanent or total blindness
Permanent or total deafness
Permanent loss of speech
Third-degree burns or severe burns
Benign brain tumour
Bacterial meningitis
Universal necrosis of the brain cortex or Apallic syndrome

General Exclusions under Critical Illness Health Insurance

Given below are the general exclusions under critical illness health insurance plans -

Critical illnesses diagnosed during the waiting tenure
Dental treatments and cosmetic surgeries
Critical conditions associated with pregnancy and childbirth
Conditions like HIV AIDS
Illnesses due to self-harm, consumption of harmful substances, or suicide attempt
Disorders or illnesses due to war, terrorism, military operations, and so on

GIG Gulf Network Hospitals

GIG Gulf Network Hospital in Abu Dhabi

GIG Gulf Network Hospital in Ajman

GIG Gulf Network Hospital in Al Ain

GIG Gulf Network Hospital in Dubai

GIG Gulf Network Hospital in Fujairah

GIG Gulf Network Hospital in Ras Al Khaimah

GIG Gulf Network Hospital in Sharjah

GIG Gulf Network Hospital in Umm Al Quwain

Top Comprehensive GIG Gulf (GIG Gulf) Health Insurance Plans with Critical Illness Cover

GIG Gulf (GIG Gulf) health insurance offers several health insurance plans that can be customised as per your circumstance. The benefits of these plans include -

Easy access to treatment and direct claim settlement from more than 3,000 healthcare providers in the UAE and more than 800,000 healthcare providers worldwide
Round-the-clock assistance from a team of dedicated multilingual customer service experts
Round-the-clock complimentary medical teleconsultations with professional doctors in case you require advice before getting treated
Cover for cancer and associated diseases covered under the Specialist Patient Support Program
Comprehensive coverage for inpatient treatment, outpatient treatment, and treatment for pre-existing and chronic medical conditions
Swift online claim reimbursement

Tabled below are the best comprehensive GIG Gulf (GIG Gulf) health insurance plans with critical illness cover:

Plan Name	Benefits
Smart Health - Global	Geographical Coverage Scope - Worldwide except the USA Annual Medical Cover Limit - Up to AED 7,500,000 Inpatient and Daycare Treatment - Cover for treatments and services like radiotherapy and chemotherapy, Intensive Care Units (ICUs), CT scans, X-rays, MRI Scans, and more Daily Accommodation Cover - Covered Outpatient Treatment - Cover for treatments like radiotherapy and chemotherapy, CT scans, X-rays, MRI Scans, and more Ambulance Service - Covered Organ Transplant - Covered Kidney Dialysis - Covered
SmartHealth - Regional	Territorial Coverage Scope - GCC, Jordan, Egypt, India, Pakistan, Sri Lanka, Korea, the Philippines, Nepal, Indonesia, Bhutan, Tunisia, Morocco, Lebanon, Syria, Bangladesh, and Algeria Annual Medical Cover Limit - Up to AED 2,500,000 Coverage Outside the Area of Cover - Worldwide up to AED 250,000 Inpatient and Daycare Treatment - Cover for accommodation, operation theatre, diagnostic procedures, radiotherapy and chemotherapy, nursing care, medication, and dressings, CT scans, MRIs, X-rays, and other medical imaging techniques, charges for surgeons and anaesthetists, and consultations Outpatient Treatment - Cover for services and treatments like radiotherapy and chemotherapy, CT scans, X-rays, MRI Scans, PET, and GAIT scans, diagnostic procedures, prescriptions, and consultations Daily Accommodation Benefit - Covered Health Screening - up to AED 1,000 Cover for Pre-existing and Chronic Medical Conditions - Up to AED 2,500,000 Ambulance Service - Covered International Medical Emergency Assistance - Covered Organ Transplant - Covered Kidney Dialysis - Covered Patient Support Program - Covered Teleconsultation - Covered
Smart Health - Gold	Geographical Coverage Scope - The UAE, India, Sri Lanka, Pakistan, the Philippines, Bhutan, Nepal, and Bangladesh Annual Medical Cover Limit - Up to AED 500,000 Cover for Medical Situation Outside the Area of Coverage - Worldwide up to AED 50,000 Inpatient and Daycare Treatment - Cover for accommodation, operation theatre, diagnostic procedures, radiotherapy and chemotherapy, nursing care, medication, and dressings, CT scans, MRIs, X-rays, and other medical imaging techniques, charges for surgeons and anaesthetists, and consultations Outpatient Treatment - Cover for radiotherapy and chemotherapy, CT scans, X-rays, MRI Scans, PET, and GAIT scans, diagnostic procedures, prescriptions, and consultations General Physician and Specialist Consultation Charges - Covered Health Screening - AED 500 Pre-existing and Chronic Medical Conditions Cover - Up to AED 150,000 Ambulance Service - Covered Organ Transplant - Covered Kidney Dialysis - Covered Patient Support Program - Covered General Physician and Specialist Consultation Charges - Covered Daily Accommodation Charges - Covered
Smart Health - Silver	Geographical Scope of Coverage - The UAE, India, Sri Lanka, the Philippines, Nepal, Bhutan, Pakistan, and Bangladesh Annual Medical Cover Limit - Up to AED 250,000 Pre-existing and Chronic Medical Conditions Cover - Up to AED 150,000 Ambulance Service - Covered Organ Transplant - Covered Kidney Dialysis - Covered Patient Support Program - Covered General Physician and Specialist Consultation Charges - Covered Daily Accommodation Charges - Covered
Smart Health - Bronze	Geographical Scope of Coverage - UAE, India, Sri Lanka, the Philippines, Nepal, Bhutan, Pakistan, and Bangladesh Annual Medical Cover Limit - Up to AED 150,000 Pre-existing and Chronic Medical Conditions Cover - Up to AED 150,000 Ambulance Service - Covered Organ Transplant - Covered Kidney Dialysis - Covered Patient Support Program - Covered General Physician and Specialist Consultation Charges - Covered Daily Accommodation Charges - Covered

Things to Consider When Applying for a Critical Illness Health Insurance Plan

Before applying for a critical illness health insurance plan, take the following points into consideration -

Sum Assured - Insurance experts suggest that it is better to go for a higher coverage amount so that your financial burdens are handled smartly in case of a medical emergency.
Check the Sub-limits - Before applying for a critical illness health insurance plan, it is essential to check for the sub-limits under it. This is so because these limits affect the amount of cover that you will get in real time for a specific medical benefit.
Type of Insurance Coverage You Opt for - A critical illness cover can be bought as a standalone policy as well as as an add-on to an existing health insurance plan. To make a decision about which route you should take, go through the plan’s terms and conditions and check the provided benefits carefully.
Exclusions and Inclusions - You should check the inclusions as well as exclusions provided under a critical illness health insurance plan. Find out which diseases are covered and what all is not included under the plan before making a final decision.
Renewal - Most health insurance plans in the UAE have a tenure of 1 year, post which they need to be renewed. When it comes to critical illness health insurance, however, an added condition to keep in mind will be the limit on the maximum age for policy renewal.
Age - This is yet another important factor that influences your critical illness health insurance purchase. Most critical illness health insurance providers have a maximum age limit, considering the general increase in health issues with age. For this reason, the critical illness insurance cover for seniors tends to be more expensive than that for younger policy buyers.