You visit a specialist and leave with a bill you weren’t expecting. A routine procedure turns into an extended hospital stay. A prescription costs more than you budgeted for. These are not rare occurrences, they are the everyday realities of healthcare that catch people off guard.
Medical insurance isn’t just a safety net. It’s the assurance that when your health demands attention, your focus stays on getting better. Not on what it’s going to cost.
At GSIB, we take the time to understand your health needs, your lifestyle, and your budget, all in service to connect you with the right medical cover from the UAE’s leading insurers, so you are never left unprotected when it matters most.
Finding the right medical insurance doesn’t have to be complicated.
Share a few details about yourself and your family, and our team will reach out to you as soon as possible.
Get treated at a network of leading hospitals, clinics, and specialists with direct billing so you never pay out of pocket at the point of care.
Round-the-clock coverage for medical emergencies. Whether it's an accident, sudden illness, or an unexpected hospital admission, you are covered when you most unexpectedly need it.
Whether you're visiting family back home or travelling abroad, select plans extend your medical coverage beyond UAE borders, protecting you and your family wherever you are.
Coverage for prescription medications as recommended by your treating physician.
We work closely with a broad network of reputable insurers across the UAE, giving our clients access to competitive pricing and comprehensive protection tailored to their unique requirements.
Whenever you visit a medical provider for a service, be it a consultation, a diagnostic test, laboratory tests, or retrieval of medicines, a request is submitted to your insurer. These requests are referred to as, “claims.” Once submitted, the insurer reviews the claim against your policy terms and, if approved, settles the cost either directly with the service provider or by reimbursing you.
Most medical insurance plans have a cost-sharing structure, which means you may be required to contribute a portion of your treatment’s cost, even if you are insured. This typically comes in the two following forms:
Deductible — a fixed amount you pay out of pocket before your insurance kicks in. For example, if your deductible is AED 100 per visit, you pay that amount and your insurer covers the rest.
Co-insurance — a percentage of the treatment cost that you share with your insurer. For example, if your co-insurance is 20%, your insurer covers 80% of the bill and you pay the remaining 20%.
Upon the confirmation of your plan, these details are shared within the Table of Benefits shared with you by your broker, as well as your insurer.
These are the two ways your medical insurance claim can be settled:
Direct Billing — Your insurer has a network of approved hospitals and clinics that they work with. When you visit a medical provider within this network list, your treatment costs are settled directly between the provider and your insurer — meaning you pay little to nothing out of pocket at the point of care. Simply present your insurance card or Emirates ID, and you’re covered.
Reimbursement — If you visit a provider outside your network, or in a situation where direct billing is not available, you pay for the treatment upfront and submit your receipts, medical reports, and claim form to your insurer afterwards. Once approved, your insurer repays you the covered amount directly. This may also apply to medical care outside the UAE, all of which is detailed in your Table of Benefits.
Upon finalizing your medical insurance, our operations team will send you this Network List, along with other relevant documents such as the Table of Benefits, Proof of Payment etc.
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Finding security as we adapt to the digital world.
Navigating rising healthcare costs and medical inflation in an evolving health landscape.
