خطة التأمين الصحي للعمالة المنزلية – الفئة (ج)*
إن توفير التأمين الصحي الإلزامي لخادمتك أو مربيتك أو سائقك أو طبّاخك أو أي عامل منزلي لديك ليس مجرد التزام قانوني فحسب، بل هو وسيلة لضمان صحتهم وراحة بالهم.
- خطة تأمين صحي موحّدة في سلطنة عُمان وفقاً لما تحدّده هيئة الخدمات المالية.
- تغطية تأمينية لمدة 24 شهراً.
- بطاقة طبية مميّزة مقبولة لدى الشبكة المعتمدة المدرجة
- تغطية للعلاجات الطارئة، والاستشارات الطبية، والأدوية.
Ensure your domestic helper gets the quality healthcare they deserve, without financial burden.
What is the Unified Health Insurance Plan C*??
The Unified Health Insurance Plan C* by GIG Gulf is an affordable health insurance plan designed for individuals holding an Oman visa and employed under the specified occupation category. Whether it's for your domestic helpers, nannies, drivers or other individuals in this category, it provides medical coverage including consultations, emergency care, medications, and access to trusted hospitals and clinics ensuring quality healthcare and full compliance with Financial Services Authority (FSA) requirements.
Why choose GIG Gulf for your Unified Health Insurance?
Key benefits of our Health insurance plan
| Benefit Title | Oman Basic Benefits Plan C* |
|---|---|
| Limited network and outpatient access to clinics only. Hospital visits and admissions require referral. | |
| Policy period | 2 Years |
| Area of cover | Oman |
| Yearly Maximum | Inpatient: OMR 4,000 Outpatient: OMR 500 |
| Direct-billing network | A. ECO DH |
| Inpatient treatment (Prior approval required) |
|
| Pre-existing and Chronic Conditions | Inpatient only within the same limit |
| Outpatient treatment |
|
| Outpatient coinsurance | Nil |
| Ambulance expenses | OMR 100 Emergency ground transport to the hospital by authorized provider |
| Repatriation Remains transportation to home country |
OMR 1,000 |
Checklist of required documents
Individual
- Passport
- Civil ID
- Duly completed Application Form – Click Here to download
Sponsor
Individual
- Civil ID
Company
- Authorized Signatory
- Authorized Signatory ID
- Trade license
Frequently asked questions
What is an Essential Benefits Plan (EBP) and who is eligible for EBP?
Essential Benefits Plan (EBP) is a DHA-compliant health insurance plan designed to provide affordable, basic healthcare coverage for Dubai residents earning AED 4,000 or less per month. It's ideal for domestic workers, nannies, drivers, and other low income employees. Proof of employment and income is required to confirm eligibility.
What is included in Essential Benefits Plan (EBP)?
EBP offers basic healthcare coverage*, including:
Annual coverage up to AED 150,000
Access to 250+ trusted healthcare providers in Dubai
Inpatient & outpatient treatments**, including emergency services
Medications
Maternity coverage for normal delivery and medically necessary C-sections
Dental coverage up to AED 500 annually
Chronic condition coverage after a 6-month waiting period
*Some services may require co-insurance as per the policy terms & conditions.
**Consultant or specialist visit requires a prior approval and a mandatory referral from a GP.
Why choose GIG Gulf’s Essential Benefits Plan (EBP)?
We are a licensed Participating Insurer (PI) with the Dubai Health Authority (DHA). With GIG Gulf, you can benefit from:
Affordable and DHA-compliant coverage, tailored to meet your needs
Access to an extensive network of hospitals, clinics, and healthcare providers
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MyGIG Gulf Mobile App for easy policy management at your fingertips
24/7 multilingual customer support to assist you whenever needed
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Wellbeing resources, including our Health on Track Podcast and Blog, to keep you informed and healthy
What documents are required for purchasing Essential Benefits Plan (EBP)?
To apply, please provide:
-
Copy of your Emirates ID, Visa, and Passport (for both the insured and sponsor if sponsor is an individual) and Trade License & Establishment Card (if sponsor is a company)
-
Labor contract or Salary Certificate showing a monthly salary of AED 4,000 or less
Proof of previous UAE health insurance (if applicable)
-
Duly completed Application Form
Are pre-existing & chronic conditions covered immediately?
Pre-existing and chronic conditions are covered after a 6-month waiting period. However, if you have continuous prior health insurance coverage in the UAE, this waiting period may be waived.
Does the plan include dental services?
Yes, EBP includes dental coverage up to AED 500 per year. Please note, a 30% co-insurance applies to dental services.
Does the plan provide maternity coverage?
Yes, the EBP provides maternity coverage*, which includes:
Normal delivery: up to AED 10,000
Medically necessary C-section: up to AED 10,000
10% co-insurance applies
*Maternity coverage is subject to the policy's terms and conditions.
What is the claim process of Essential Benefits Plan (EBP)?
EBP plans provide direct billing for all covered services when you visit in-network healthcare providers by GIG Gulf.
Here’s how it works:
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Present your GIG Gulf insurance e-card (downloadable from MyGIG Gulf Mobile App) at the medical facility.
Pay the applicable coinsurance or deductible at the time of your visit.
The remaining amount will be settled directly with the healthcare provider.
To find approved clinics, hospitals, or pharmacies near you, use our Provider Locator tool.
Is Health Insurance mandatory for maids and nannies in the UAE?
Yes. Sponsors must provide insurance for domestic workers, nannies, drivers, and other low-income staff as per UAE labor law. The insurance policy must be DHA-compliant health insurance such as GIG Gulf's Essential Benefits Plan (EBP).
Can I buy Health Insurance online for my maid or driver?
Yes. You can apply and purchase GIG Gulf’s EBP health insurance online on our website with only essential documentation. The process is simple and quick.
Which hospitals and clinics accept GIG Gulf's EBP health insurance?
GIG Gulf's EBP health insurance is accepted at a large list of network hospitals and clinics across the UAE. You can check the provider list on the GIG Gulf website or app.
Insurance on the go
MyGIG app makes managing insurance simple, seamless, and stress-free. View your policies, renew instantly, and access support anytime, anywhere – all from one easy-to-use app.
