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Expats in Dubai can choose from five health insurance plans offered by GIG Gulf, one of the leading providers in the region. The Smart Health Global, Regional, Gold, Silver, and Bronze plans are designed to fit different budgets and coverage needs, ensuring expats meet Dubai’s mandatory health insurance requirements while accessing reliable medical care.
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GIG Gulf is recognized as a top insurance provider in the UAE and the wider Gulf region. Each plan comes with core benefits such as inpatient and outpatient coverage, maternity care, mental health services, and additional options like dental and optical benefits. This makes GIG Gulf a trusted choice for expats who want both compliance and comprehensive healthcare protection in Dubai.
Expats will also want to become familiar with how Dubai’s healthcare system works and the many types of plans available to expats in Dubai.
GIG Gulf Insurance Overview for Dubai Expats
GIG Gulf Insurance offers five health insurance plans to Dubai expats. These plans are the Smart Health Global, Smart Health Regional, Smart Health Gold, Smart Health Silver, and Smart Health Bronze plans. We will do a detailed analysis of their included benefits below.
To learn more about how AXA Gulf Insurance recently merged with GIG Gulf, read our blog post that tells you all about it.
GIG Gulf Smart Health Global Plan
The Smart Health Global plan by GIG Gulf provides Dubai expats worldwide coverage, excluding the USA. It has a yearly maximum of AED 7,500,000 (about USD $2,000,000). It includes inpatient direct billing, GP and specialist consultation charges, and outpatient direct billing.
The Smart Health Global plan has no inpatient coinsurance and an outpatient coinsurance of 10%. It also includes the following benefits:
- Maternity services
- Dental and optical care
- Mental health services
- Patient Support Program (PSP)
- Teleconsultation
The following chart shows a detailed list of the types of health coverage that are included in the Smart Health Global plan for Dubai expats and the total amount covered by GIG Gulf.
| Smart Health – Global by GIG Gulf | ||
| Type of Medical Benefit | Amount Covered in AED | Amount Covered in USD |
| Parent Accommodation per night | 1,000 | about $272 |
| Companion Accommodation per night | 100 | about $27 |
| Cash Benefit (per night) | 1,000 | About $272 |
| Complementary Therapy with 20% coinsurance | 2,500 | About $680 |
| Homeopathy and Ayurvedic Treatment with 20% coinsurance | 2,500 | About $680 |
| Outpatient Maternity | Included | Included |
| Pre and Postnatal Complications | Included | Included |
| Inpatient Maternity Normal Pregnancy, Delivery, and Medically Necessary C-Sections | 25,000 | About $6,800 |
| Pre-Existing Conditions within the UAE | 7,500,000 | About $2,000,000 |
| Pre-Existing Conditions outside the UAE | 5,000 | About $1,300 |
| Routine Dental Care with 20% coinsurance | 4,000 | About $1,000 |
| Optical Care with 20% coinsurance | 1,500 | About $400 |
| Psychiatry and Mental Health | 15,000 | About $4,000 |
| Personal Accident | 125,000 | About $34,000 |
For a complete benefit list, and to get a quote estimate for this plan, contact Pacific Prime today!
GIG Gulf Smart Health Regional Plan
The Smart Health Regional plan by GIG Gulf provides Dubai expats coverage in the GCC, including Dubai, UAE, Oman, Qatar, Saudi Arabia, and more. This plan has a yearly maximum of AED 2,500,000 (about USD $680,000). It includes inpatient and outpatient direct billing and GP/Specialist consultations.
Smart Health Regional offers Dubai Expats coverage in the GCC and the following areas:
- Saudi Arabia
- Kuwait
- Bahrain
- Qatar
- UAE
- Oman
- Jordan
- Iran
- Lebanon
- Syria
- Egypt
- Tunisia
- Morocco
- Algeria
- India
- Pakistan
- Sri Lanka
- Bangladesh
- Korea
- The Philippines
- Indonesia
- Nepal & Bhutan
The Smart Health Regional plan has no inpatient coinsurance and an outpatient coinsurance of 10%. It also includes the following benefits:
- Maternity services
- Dental care
- Mental health services
- Patient Support Program (PSP)
- Teleconsultation
The following chart shows a detailed list of the types of health coverage that are included in the Smart Health Regional plan for Dubai expats and the total amount covered by GIG Gulf.
| Smart Health – Regional by GIG Gulf | ||
| Type of Medical Benefit | Amount Covered in AED | Amount Covered in USD |
| Parent Accommodation per night | 500 | about $136 |
| Companion Accommodation per night | 100 | about $27 |
| Cash Benefit (per night) | 500 | About $136 |
| Complementary Therapy with 20% coinsurance | 500 | About $136 |
| Homeopathy and Ayurvedic Treatment with 20% coinsurance | 500 | About $136 |
| Outpatient Maternity | Included | Included |
| Pre and Postnatal Complications | Included | Included |
| InPatient Maternity Normal Pregnancy, Delivery, and Medically Necessary C-Sections | 20,000 | About $5,400 |
| Pre-Existing Conditions within the UAE | 2,500,000 | About $680,600 |
| Pre-Existing Conditions outside the UAE | 2,500 | About $680 |
| Routine Dental Care with 20% coinsurance | 2,000 | About $540 |
| Optical Care | No Benefit | No Benefit |
| Psychiatry and Mental Health | 10,000 | About $2,700 |
| Personal Accident | 75,000 | About $20,400 |
For a complete benefit list, and to get a quote estimate for this plan, contact Pacific Prime today!
GIG Gulf Smart Health Gold Plan
The Smart Health Gold plan by GIG Gulf provides Dubai expats coverage in the UAE, plus one other country that is your home country (either India, Pakistan, Sri Lanka, Bangladesh, the Philippines, or Nepal & Bhutan). This plan has a yearly maximum of AED 500,000 (about USD $136,000).
It includes inpatient direct billing, GP and specialist consultation charges, and outpatient direct billing. The Smart Health Gold plan has an outpatient coinsurance requirement of 10%.
It also includes the following benefits:
- Maternity services
- Dental care
- Mental health services
- Patient Support Program (PSP)
- Teleconsultation
The following chart shows a detailed list of the types of health coverage that are included in the Smart Health Gold plan for Dubai expats and the total amount covered by GIG Gulf.
| Smart Health – Gold by GIG Gulf | ||
| Type of Medical Benefit | Amount Covered in AED | Amount Covered in USD |
| Outside Area of Cover – for emergency only | Worldwide, up to 50,000 | Worldwide, up to $13,600 |
| Parent Accommodation per night | 500 | about $136 |
| Companion Accommodation per night | 100 | about $27 |
| Cash Benefit (per night) | 500 | About $136 |
| Complementary Therapy with 20% coinsurance | 500 | About $136 |
| Homeopathy and Ayurvedic Treatment with 20% coinsurance | 2,500 | About $680 |
| Outpatient Maternity | Included | Included |
| Pre and Postnatal Complications | Included | Included |
| Inpatient Maternity Normal Pregnancy, Delivery, and Medically Necessary C-sections | 15,000 | About $4,000 |
| Pre-Existing Conditions within the UAE | 150,000 | About $40,800 |
| Pre-Existing Conditions outside the UAE | 2,500 | About $680 |
| Routine Dental Care with 20% coinsurance | 1,000 | About $272 |
| Optical Care | No Benefit | No Benefit |
| Psychiatry and Mental Health | 10,000 | About $2,700 |
| Personal Accident | 40,000 | About $10,900 |
For a complete benefit list and to get a quote estimate for this plan, contact Pacific Prime today!
GIG Gulf Smart Health Silver Plan
The Smart Health Silver plan by GIG Gulf provides Dubai expats coverage in the UAE, plus one other country that is your home country (either India, Pakistan, Sri Lanka, Bangladesh, the Philippines, or Nepal & Bhutan). This plan has a yearly maximum of AED 250,000 (about USD $68,000).
It includes inpatient direct billing, GP and specialist consultation charges, and outpatient direct billing. The Smart Health Gold plan has an outpatient coinsurance requirement of 10%.
It also includes the following benefits:
- Maternity services
- Mental health services
- Patient Support Program (PSP)
- Teleconsultation
The following chart shows a detailed list of the types of health coverage that are included in the Smart Health Silver plan for Dubai expats and the total amount covered by GIG Gulf.
| Smart Health – Silver by GIG Gulf | ||
| Type of Medical Benefit | Amount Covered in AED | Amount Covered in USD |
| Outside Area of Cover – for emergency only | No benefit | No benefit |
| Parent Accommodation per night | 500 | about $136 |
| Companion Accommodation per night | 100 | about $27 |
| Cash Benefit (per night) | 500 | About $136 |
| Complementary Therapy with 20% coinsurance | No benefit | No benefit |
| Homeopathy and Ayurvedic Treatment with 20% coinsurance | 2,500 | About $680 |
| Outpatient Maternity | Included | Included |
| Pre and Postnatal Complications | Included | Included |
| Inpatient Maternity Normal Pregnancy, Delivery, and Medically Necessary C-Sections | 10,000 | About $2,700 |
| Pre-Existing Conditions within the UAE | 150,000 | About $40,800 |
| Pre-Existing Conditions outside the UAE | 1,500 | About $400 |
| Routine Dental Care with 20% coinsurance | No benefit | No benefit |
| Optical Care | No Benefit | No Benefit |
| Psychiatry and Mental Health | 10,000 | About $2,700 |
| Personal Accident | 25,000 | About $6,800 |
For a complete benefit list and to get a quote estimate for this plan, contact Pacific Prime today!
GIG Gulf Smart Health Bronze Plan
The Smart Health Bronze plan by GIG Gulf provides Dubai expats coverage in the UAE. It has a yearly maximum of AED 150,000 (about USD $41,000). It includes inpatient direct billing, GP and specialist consultation charges, and outpatient direct billing.
The Smart Health Bronze plan has an outpatient coinsurance requirement of 20%. It also includes the following benefits:
- Maternity services
- Mental health services
- Patient Support Program (PSP)
The following chart shows a detailed list of the types of health coverage that are included in the Smart Health Bronze plan for Dubai expats and the total amount covered by GIG Gulf.
| Smart Health – Bronze by GIG Gulf | ||
| Type of Medical Benefit | Amount Covered in AED | Amount Covered in USD |
| Outside Area of Cover – for emergency only | No benefit | No benefit |
| Parent Accommodation per night | 500 | about $136 |
| Companion Accommodation per night | 100 | about $27 |
| Cash Benefit (per night) | 500 | About $136 |
| Complementary Therapy with 20% coinsurance | No benefit | No benefit |
| Homeopathy and Ayurvedic Treatment with 20% coinsurance | 2,500 | About $680 |
| Outpatient Maternity | Included | Included |
| Pre and Postnatal Complications | Included | Included |
| InPatient Maternity Normal Pregnancy, Delivery, and Medically Necessary C-Sections | 10,000 | About $2,700 |
| Pre-Existing Conditions within the UAE | 150,000; 1,500 for pharmacy | About $40,800; about $400 for pharmacy |
| Pre-Existing Conditions outside the UAE | No benefit | No benefit |
| Routine Dental Care with 20% coinsurance | No benefit | No benefit |
| Optical Care | No Benefit | No Benefit |
| Psychiatry and Mental Health | 10,000 | About $2,700 |
| Personal Accident | No benefit | No benefit |
For a complete benefit list and to get a quote estimate for this plan, contact Pacific Prime today!
Conclusion
Now that you’ve seen a deep analysis of the five UAE expat plans offered by GIG Gulf, you may want to learn about Dubai Health Insurance for Visitors and Abu Dhabi Insurance for Expats. You may also want to read about The Best Health Insurance in Dubai!
Contact Pacific Prime with any questions you have about your insurance needs. We are here to serve you! Happy insurance hunting!
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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