Question 1

Which is better, GIG Gulf or Takaful Emarat?

Accepted Answer

It depends on your needs. GIG Gulf has 7,697 providers across 8 cities and offers 3 plans starting from AED 2,800/yr. Takaful Emarat has 8,040 providers across 8 cities with 2 plans from AED 2,500/yr. Choose GIG Gulf if you need more plan tiers to choose from, more comprehensive coverage options. Choose Takaful Emarat if you prioritise a larger provider network, lower entry-level premiums.

Question 2

Is GIG Gulf cheaper than Takaful Emarat?

Accepted Answer

No, Takaful Emarat's entry-level plan starts from AED 2,500/yr, while GIG Gulf's cheapest plan begins at AED 2,800/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

Which has a bigger network in Dubai, GIG Gulf or Takaful Emarat?

Accepted Answer

Takaful Emarat has a larger Dubai network with 4,174 providers, compared to GIG Gulf's 4,165 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does GIG Gulf or Takaful Emarat cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. GIG Gulf's dental sub-limit goes up to AED 8,000/yr, while Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from GIG Gulf to Takaful Emarat?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from GIG Gulf to Takaful Emarat (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both GIG Gulf and Takaful Emarat have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare GIG Gulf and Takaful Emarat plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare GIG Gulf and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — GIG Gulf starts from AED 2,800/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 7,697 vs 8,040 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.

Attribute	GIG Gulf	Takaful Emarat
Type	private	private
Founded	1962	2008
Headquarters	Kuwait / Dubai	Dubai
Regulators	DHA, HAAD, MOHAP	DHA, HAAD, MOHAP
Number of Plans	3	2
Premium Range	AED 2,800 – 28,000	AED 2,500 – 12,000
Total Network Size	7,697	8,040
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	Yes	No
Co-pay Range	0% – 20%	20%
Claims Phone	800-444	800-825235

City	GIG Gulf	vs	Takaful Emarat
Dubai	4,165	vs	4,174
Abu Dhabi	1,674	vs	1,628
Sharjah	1,045	vs	1,238
Ajman	227	vs	411
Al Ain	297	vs	332
Ras Al Khaimah	155	vs	160
Fujairah	113	vs	74
Umm Al Quwain	21	vs	23

GIG Gulf vs Takaful Emarat

GIG Gulf

Takaful Emarat

GIG Gulf vs Takaful Emarat — At a Glance

Network Comparison by City

GIG Gulf Plans

GIG Gulf Essential

GIG Gulf Corporate Plus

GIG Gulf Executive

Takaful Emarat Plans

Takaful Emarat Basic Takaful

Takaful Emarat Enhanced Takaful

Verdict

GIG Gulf vs Takaful Emarat — FAQ

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