UAE insurer profile
GIG Gulf
Est. 1962 · Kuwait / Dubai · DHA, HAAD, MOHAP regulated
Part of Gulf Insurance Group — one of the largest insurers in the Middle East. GIG Gulf offers 3 health insurance plans in the UAE, accepted by 7,604 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- Part of Gulf Insurance Group — one of the largest insurers in the Middle East
- Operates across all UAE emirates with multi-regulator compliance
- Strong group health insurance for corporate clients
- Backed by KIPCO — Kuwait's largest private-sector conglomerate
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| GIG Gulf Essential | Basic | AED 2,800 – 4,800/yr | AED 250,000 | 20% | — | — |
| GIG Gulf Corporate Plus | Enhanced | AED 5,500 – 12,000/yr | AED 500,000 | 20% | ✓ | ✓ |
| GIG Gulf Executive | Premium | AED 15,000 – 28,000/yr | AED 1.5M | 0% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
GIG Gulf
GIG Gulf Essential
SMEs and individuals meeting mandatory requirements across UAE
AED 2,800 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
7,604 providers
View details →GIG Gulf
GIG Gulf Corporate Plus
Corporate employees and families across UAE
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
7,604 providers
View details →GIG Gulf
GIG Gulf Executive
Senior management and executives
AED 15,000 – 28,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
7,604 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with GIG Gulf.
Direct billing. Present your GIG Gulf insurance card at any in-network provider. The clinic or hospital bills GIG Gulf directly — you pay only your applicable co-pay (20%–0% outpatient) at the point of care. No paperwork required.
Reimbursement claims. For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via giggulf.com or call 800-444. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact GIG Gulf at least 48 hours in advance.
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View plansCompare GIG Gulf with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About GIG Gulf.
GIG Gulf Insurance — FAQ
What health insurance plans does GIG Gulf offer in the UAE?
GIG Gulf offers 3 health insurance plans in the UAE: GIG Gulf Essential, GIG Gulf Corporate Plus, GIG Gulf Executive. Plans range from AED 2,800 – 4,800/yr to AED 15,000 – 28,000/yr annually.
How many healthcare providers accept GIG Gulf insurance?
According to the UAE Open Healthcare Directory, 7,604 healthcare providers across 8 UAE cities accept GIG Gulf insurance. This includes hospitals, clinics, dental practices, and specialist centers.
Does GIG Gulf cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, GIG Gulf's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 6 to 12 months.
Is GIG Gulf the UAE healthcare regulator or HAAD compliant?
GIG Gulf is regulated by DHA and HAAD and MOHAP. The UAE healthcare regulator (Dubai) compliance means all plans meet the Essential Benefits Package required for Dubai residents and workers. Additionally, Health Authority Abu Dhabi (HAAD/DoH) oversight ensures plans meet Abu Dhabi's mandatory Thiqa and basic scheme requirements. the UAE healthcare regulator registration applies for the Northern Emirates.
How do I file a claim with GIG Gulf?
To file a claim with GIG Gulf, call their claims line at 800-444. For direct billing, simply present your GIG Gulf insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via giggulf.com or by post to their Kuwait / Dubai office.
What is the cheapest GIG Gulf plan?
The most affordable GIG Gulf plan is the GIG Gulf Essential (Basic tier), starting from AED 2,800 – 4,800/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 250,000.
Does GIG Gulf have a mobile app for claims?
GIG Gulf offers digital claims submission through their member portal at giggulf.com. Most major UAE insurers, including GIG Gulf, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the GIG Gulf app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from GIG Gulf or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.