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Group Life

Why plan for  expected medical expenses and not for  more serious situations?

As an employer in the Gulf Region, you are liable to support your staff financially following work-related injuries and organise repatriation if needed.  Group Life products kick in during very serious situations - death or incapacitating accident or sickness or terminal illness - when medical insurance does not suffice to avoid financial difficulties.

It matters to your employees

  • Life & disability has become a differentiating element in compensation & benefits strategies and is essential to attract and retain high-caliber employees
  • A life & disability cover is highly valued by your employees especially when they drive to work or travel frequently. Particularly in the Gulf Region , your employee is often the sole breadwinner of the family

And it is good value for money

  • It is a high-added-value product for a relatively low cost compared to Healthcare Insurance
  • It would cost a lot more for your employees to purchase on an individual basis
  • GIG can combine it with your healthcare plan so that you do not incur additional administrative costs

Key Benefits

  • Group Life (death due to any cause)
  • Accidental Death Benefit Permanent Total Disablement (either due to accident or sickness)
  • Permanent Partial Disablement (either due to accident or sickness)
  • Temporary Total Disablement (either due to accident or sickness)
  • Medical Expenses Reimbursement due to accident
  • Repatriation of Mortal Remains
  • Critical Illness Cover
  • Passive War and Terrorism Risk Cover


Credit Life

GIG helps banks provide Life Insurance to their mortgage, personal loan or credit card clients to avoid situations of financial distress in case of death, terminal illness or disability.

Key Benefits:

Our products are competitively priced, making them affordable to banks and financial institutions customers - across all segments.

We offer adequate levels of insurance cover on outstanding credit card’s balance and can structure value added riders like Permanent Partial Disability or Hospital Cash Benefit (daily In-Hospital expenses).

Our solutions for Mortgage Loan Insurance ensure that the needs of every segment of the bank or financial institution are met.



GIG offers a comprehensive set of benefits under Group Credit Life:

  • Death due to any cause
    Death Any Cause (DAC) is offered as a basic plan, where the policy covers death due to sickness or accident.
  • Accidental Death
    Accidental Death Benefit (ADB) is offered as a supplementary rider, where GIG pays double the amount of cover in case of death due to an accident, thus covering the banks liability and providing extra benefit to the beneficiary of your customer.
  • Permanent Total Disability due to accident or sickness
    Permanent Total Disability (PTD) is offered as a supplementary rider, where the policy covers 100% disability which results from bodily injury or sickness. The following instances are examples of ‘permanent and total’ disabilities:
    • Total and irrevocable loss of sight of both eyes
    • Complete and permanent deafness of both ears of traumatic origin
    • Loss of speech of traumatic origin
    • Loss of both arms or both hands
  • Critical Illness
    Critical Illness (CI) is offered as a basic plan, where the policy covers against the following critical diseases: 
    • Heart Attack
    • Cancer
    • Kidney Failure
    • Major Organ Transplant
    • Multiple Sclerosis
    • Stroke
    • Coronary Artery Bypass Surgery
    • Blindness