An itemized invoice provides a detailed breakdown of the medical services you have received, along with the specific cost for each service. It is essential for every claim submission as it clearly indicates the services taken, their respective dates, and the corresponding costs.

GIG Gulf does indeed accept scanned copies of documents. However, it's important to note that in certain situations, we may request original documents. Therefore, we recommend that you retain all original documents pertaining to your treatment until the claim is finalized.

Please be aware that GIG Gulf retains the option to request original documents during the claims processing, so we strongly advise holding onto the original documents for a minimum of 12 months after the treatment date or until the claim has been successfully resolved.

After you submit your claim, we will send you a claim reference number through email and SMS. You can use this reference number to track the progress of your claim whenever needed.
We aim to review your claim within 5 business days and settle eligible claims it through a bank transfer within 10 business days, provided we receive all the required documents.
In case the claim documents are insufficient, we will inform you via email the incomplete information or documents. Additionally, you can also check the status of your claims by logging into the GIG Gulf Website or using the MyGIG Gulf Mobile App

If you encounter any disputes or discrepancies, we recommend contacting us via email at mcs@gig-gulf.com or the  " Contact Us " option for assistance.

All benefits and services submitted for claim reimbursement will be assessed according to the Reasonable and Customary Charges or as specified in your table of benefits, following the terms and conditions of your policy. The Reasonable and Customary Charges represent an average value based on our negotiated, discounted costs for similar treatments within the network indicated in your plan.

This means there may be out-of-pocket expenses depending on how the charges align with this standard. For a detailed understanding of your healthcare policy, including potential out-of-pocket costs, access your table of benefits and membership handbook on MyGIG Gulf Mobile App .

GIG Gulf's objective is to review your eligible claims within 5 business days and finalize the settlement within 10 business days, provided we receive all the required documentation.

The reimbursement amount you receive is subject to adjustments in accordance with the terms and conditions of your policy. These adjustments consider the following factors:
• Co-pay and co-insurance percentage deductions as outlined in your policy terms.
• Deductible amount, if applicable and as specified in your policy terms.
• If the claimed cost of services exceeds the average cost of services within your GIG Gulf provider network, the excess amount will be subtracted from the total bill.

If you need to resubmit your claim or if you are asked to provide additional documents, please use the MyGIG Gulf Mobile App or GIG Gulf Website . These platforms allow you to conveniently resubmit your claim and keep track of its status.

Reimbursement claims are paid through wire transfer. To ensure a smooth transaction, please update your bank details using the MyGIG Gulf Mobile App or GIG Gulf Website . For seamless receipt of funds, kindly provide complete and accurate bank account details.

• Cash Payments: SME customers can make cash payments at GIG offices or points of sale in Oman, Qatar, and the UAE. However, please note that, cash payments are not available as an option in Bahrain for businesses. For cash payments of AED 10,000/QAR 10,000/OMR 1,000 or more, supporting documents will be required as part of the compliance process, and our Sales teams will request these documents.
• E-commerce: SME customers can utilize the e-commerce option through POS machines at GIG offices or points of sale, as well as payment links generated and shared by GIG staff or authorized representatives.
• Cheque Payments: Both SME and corporate customers can issue cheques to settle their premium payments to GIG.
• Wire Transfer: SME and corporate customers can make payments via wire transfer using the bank details specified on their invoices. It's essential to ensure that GIG receives the full invoice or quotation amount, including applicable taxes/VAT, and that the remitter bears any bank charges and exchange differences incurred during the wire transfer process.

Our GIG Gulf staff, available at our offices, points of sale, shops, and call center, will assist you in providing valid receipts for policy premiums paid through payment links, POS or any other payment methods.

• To pay via wire transfer, you can obtain the bank details from our offices, points of sale, shops, or call center staff.
• Just like with individual policies, it is crucial to ensure that GIG receives the full amount specified in your invoice or quotation, including any applicable taxes/VAT, as well as any bank charges and exchange differences that may arise during the wire transfer process. The remitter should cover these additional expenses.
• Please remember to mention the policy or invoice number for which you make the premium payment. This will enable us to allocate the payment accurately to your policy.
• After completing the wire transfer, please share the transfer details along with your policy or invoice details with regional.creditcontrol@gig-gulf.com and the respective GIG Key Account Manager assisting you with your policy request.

Please communicate the transfer details along with the policy/Invoice details to regional.creditcontrol@gig-gulf.com and the respective GIG Key Account Manager supporting your policy request.

Currently, the online payment link/POS option is applicable for settling the due premiums on your quote. If you have other payment requirements, such as covering overdue premiums from the past, policy reinstatements, excess payments or any payments that do not align with your due premium, please follow these steps:
• SME customers can use the e-commerce option through POS Machines at GIG offices or points of sale. Payment links will be generated and shared by GIG staff or authorized representatives.
• Corporate customers can clear their outstanding balances through bank transfers or by issuing cheques payable to GIG.

Payments for business policies must adhere to the policy's specified currency, as outlined in the policy Terms and Conditions.

As the policy owner, you are responsible for paying the premium. Alternatively, an authorized third party can make the payment on your behalf, provided they are either an insured individual or a beneficiary listed on your policy. If you are unable to make the payment yourself or if the individual wishing to pay on your behalf is not a party to the contract outlined in your policy, you can authorize a third-party payer by fulfilling the following requirements:
• Provide Payer Details, including but not limited to Name, Relationship with the policy owner and Reason for settling the premium on behalf of the policy owner.
• Submit a Copy of the Valid Emirates ID Card, Passport, and Residence Visa of the Third-Party payer.
• Present Proof of relationship (such as a Birth Certificate, Marriage Contract, etc.).
• Offer documentation demonstrating the Source of funds of the Third-Party payer for settling the policy owner's insurance premium.

Certainly, GIG Gulf will send a reminder to the email address that is registered in the system for corporate and SME customers who have an approved credit facility.

If a payment is not received within the agreed timeline, GIG Gulf reserves the right to suspend the policy and its associated benefits. This may be followed by issuing a policy cancellation notice, and if premiums are not paid in accordance with the contract, the policy may be officially canceled.

SME and corporate policy premiums can be settled in accordance with the agreed installments/credit period before policy issuance. The due dates for such payments will be indicated on the installment invoices provided by GIG Gulf to the client(s).

• For direct billing claims: GIG Gulf will settle payments directly with the healthcare service providers who rendered services to our clients and members. Therefore, GIG Gulf is not responsible for making payments to clients or members in this regard. Please be aware that any applicable co-payments, as stipulated in your policy's terms and conditions, must be paid by the client or member and are not reimbursable by GIG Gulf.
• For reimbursement claims: Eligible reimbursement claims will be processed by GIG Gulf and settled directly with the respective member(s) after submitting the required valid claim documents, as outlined on our reimbursement portal, and subsequent adjudication and approval by the GIG claims team. To understand the specifics of claim settlement, including matters related to exchange rates, taxes, and bank charges, please refer to the terms and conditions of your policy.