Question 1

Which is better, GIG Gulf or Union Insurance?

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. Union Insurance has 6,349 providers across 8 cities with 2 plans from AED 2,300/yr. Choose GIG Gulf if you need a larger provider network, more plan tiers to choose from, more comprehensive coverage options. Choose Union Insurance if you prioritise lower entry-level premiums.

Question 2

Is GIG Gulf cheaper than Union Insurance?

Accepted Answer

No, Union Insurance's entry-level plan starts from AED 2,300/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 Union Insurance?

Accepted Answer

GIG Gulf has a larger Dubai network with 4,165 providers, compared to Union Insurance's 3,229 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does GIG Gulf or Union Insurance 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 Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from GIG Gulf to Union Insurance?

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 Union Insurance (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 Union Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare GIG Gulf and Union Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare GIG Gulf and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — GIG Gulf starts from AED 2,800/yr, Union Insurance from AED 2,300/yr, (2) Network size — 7,697 vs 6,349 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	Union Insurance
Type	private	private
Founded	1962	1998
Headquarters	Kuwait / Dubai	Dubai
Regulators	DHA, HAAD, MOHAP	HAAD, DHA
Number of Plans	3	2
Premium Range	AED 2,800 – 28,000	AED 2,300 – 10,500
Total Network Size	7,697	6,349
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	02-677-5050

City	GIG Gulf	vs	Union Insurance
Dubai	4,165	vs	3,229
Abu Dhabi	1,674	vs	1,646
Sharjah	1,045	vs	838
Al Ain	297	vs	237
Ajman	227	vs	162
Ras Al Khaimah	155	vs	133
Fujairah	113	vs	77
Umm Al Quwain	21	vs	27

GIG Gulf vs Union Insurance

GIG Gulf

Union Insurance

GIG Gulf vs Union Insurance — At a Glance

Network Comparison by City

GIG Gulf Plans

GIG Gulf Essential

GIG Gulf Corporate Plus

GIG Gulf Executive

Union Insurance Plans

Union Basic Health

Union Enhanced Health

Verdict

GIG Gulf vs Union Insurance — FAQ

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