FAQs

For emergency claims and assistance there is a 24-hour assistance helpline. Please contact the number on the back of your card.

For non-emergency claims and pre-authorisation the claims team is available from 9am – 5:30pm (Dubai time), Sunday – Thursday.

For sales, administration and queries on your policy the opening hours are 9am – 5:30pm (Dubai time), Sunday – Thursday.

Yes, we only cover UAE residents under the Gulfhealth plans. If you are a resident outside of the UAE, please visit www.morgan-price.com.

Unfortunately we can’t currently offer HAAD (Health Authority of Abu Dhabi) compliant products to individuals or small groups. Groups of over 10 employees can purchase compliant plans from us. Only the Gulfhealth (UAE) Plans are available for Abu Dhabi members. Gulfhealth Options is not compliant under HAAD currently.

Yes, as per the new laws within the Emirate of Dubai. Pre-existing conditions terms and conditions may apply dependent on your chosen plan.

Your card is available for you to use for any new conditions which arise after the start date of the policy.

Premiums are payable in AED.

You can pay premiums via Bank Transfer or Cheque.

Our exclusive partners who have designed the Gulfhealth product on our behalf, for more information visit the Product Design page.

Mednet or Neuron are our Third Party Administrator within the GCC. For more information please visit the Make a Claim section.

Cards can generally be sent to you within 3 working days of receiving your payment.

Visit one of our contracted network providers. Please see Make a Claim for more details.

Please notify your broker or the Gulfhealth team immediately so we can arrange a replacement for you. There may be a charge for this.

Please visit Make a Claim.

Our TPA’s preferred direct-billing healthcare providers have been trained on which services require pre-approval. Thus, they should be able to assist you in your requirements. However, if at any point you feel that you have not been given the service you require, please feel free to contact us directly and a member of our team will be more than happy to assist you.

Please sign the necessary claim forms provided by the treating facility before you leave. Make sure that the form is completed and describes the treatment or medication that you have received. Your signature is an important step for validating the claim. It will be delayed without it.

Should you utilize a medical provider outside of the TPA’s provider network, then please make sure that you have the following documents prior to leaving the treating facility, and that you are able to attach these documents to your reimbursement claim:

  • Original invoice, giving a detailed breakdown of all charges
  • Original of any medical report
  • Original prescription/s
  • Copy of the results of all investigations carried out

Please complete the reimbursement form, sign the form, and submit the completed form within 180 days of the treatment date, together with the documentation above and a copy of your health card.

Please contact us to speak to one of the Gulfhealth team.

Got a question?

We're here to assist, please call +971 (0) 4 427 5995

Drop us a line

We aim to answer all enquiries within 48 hours: info@gulfhealth.ae

Jargon buster

FMU – Full Medical Underwriting This means we will ask you to answer questions regarding your medical history and after full evaluation confirm your final premium.
MHD – Medical History Disregarded This is only available on selected corporate schemes, we will not ask for any medical information unless there are major ongoing claims.
In-patient Treatment required when staying overnight in a hospital.
Day-patient Treatment required in a hospital when an overnight stay is not required.
Out-patient This is treatment received not in a hospital but in a GP surgery or for a consultant appointment.
Chronic A medical condition which has two or more of the following characteristics:
  • It has no known recognised cure
  • It continues indefinitely
  • It has come back
  • It is permanent
  • Requires palliative treatment
  • Requires long-term monitoring, consultations, check-ups, examinations or tests
  • You need to be rehabilitated or specially trained to cope with it.
Deductible A deductible is an amount you have to pay towards any claim in a policy year. Please note within the Emirate of Dubai the deductible will be 20% up to a maximum of the deductible selected.
Co-insurance Is a percentage of the claim you have to pay.
Underwriting This is how we look at a policy and decide the terms we can offer on a policy and the rating required.
Evacuation This is when the medical needs of a client cannot be met in a local facility. We confirm that the client will need to be moved to the nearest medical facility that can provide the treatment. This benefit has to be authorised and arranged.