Products
Motor
Third Party Liability
Legal requirements in the State of Kuwait necessitates the need of an insurance policy to operate vehicles on public roads. Our Third Party Liability (TPL) policy does not only serve a legal purpose, but also provides an extensive indemnity for Third Party Liability damage and provides you with peace of mind as you are navigating around Kuwait.
Comprehensive
We provide comprehensive insurance that covers damages resulting from accidents, unknown accidents and even windshield replacement. All tailored to your needs and budget. Enjoy full coverage with potential compensation reaching up to 100% of the vehicle’s value, depending on the policy terms & conditions.
Important Coverages:
For unknown accidents, coverage will be dependent on limits specified in your comprehensive policy, adhering to the terms & conditions.
Coverage includes front windshield replacement, in addition to scratches if included in the insurance policy.
According to the policy terms & conditions, vehicles less than five years old will be repaired at authorized dealers only.
We are committed to settling claims as quickly and easily as possible.
Additional Benefits That Can Be Added:
Roadside Assistance: This service is available when needed for only K.D. 5, anytime, anywhere within the coverage limits.
Waiver of Subrogation: It is a supplementary cover under which the insurer waives the right of recourse against the insured in specified cases, such as exceeding speed limits, crossing the red light, or driving in the wrong direction.
Replacement Car: If your vehicle enters the workshop, we provide you with a replacement car from four categories, to ensure your continued mobility with ease.
Geographical Extension: Extend your Comprehensive Motor Insurance beyond Kuwait to cover your vehicle while driving in GCC countries and Jordan.
Natural Disaster Extension: Covers vehicle damage from events such as storms, floods, hail, heavy rain, and snowfall.
Casualty
Travel Insurance Made Easy
In partnership with AIG, a global travel insurance provider, we offer flexible plans including Platinum, Gold and Silver. All plans are Schengen visa compliant. Get coverage for yourself, your family, or even on behalf of someone else. Choose a single trip or stay protected all year with an annual policy.
| Policies (USD) | Platinum | Gold | Silver |
|---|---|---|---|
| Section 1 - Personal Accident Benefits | Principal Sum Insured $150,000 | Principal Sum Insured $25,000 | Principal Sum Insured $25,000 |
| Accidental Death | 100% of the Principal Sum Insured | 100% of the Principal Sum Insured | 100% of the Principal Sum Insured (Common Carrier only) |
| Permanent Partial Disability | % of the Principal Sum Insured as per scale. | % of the Principal Sum Insured as per scale. | Not Covered |
| Permanent Total Disability | 100% of the Principal Sum Insured | 100% of the Principal Sum Insured | Not Covered |
| Section 2 - Medical and Related Benefits | Covered | Covered | Covered |
| Emergency Medical Expenses (Accident & Sickness) | $500,000 | $100,000 | $50,000 |
| Dental Expenses | Included in Emergency Medical Expenses & up to a max. of $1,000 (Per Tooth $200 / Deductible $100) | Included in Emergency Medical Expenses & up to a max. of $1,000 (Per Tooth $200 / Deductible $100) | Included in Emergency Medical Expenses & up to a max. of $1,000 (Per Tooth $200 / Deductible $100) |
| Emergency Medical Evacuation | Included in Emergency Medical Expenses | Included in Emergency Medical Expenses | Included in Emergency Medical Expenses |
| Repatriation of Remains | $10,000 | $7,000 | $5,000 |
| Section 3 - Travel Inconvenience Benefits | Covered | Covered | Not Covered |
| Baggage Loss (Common Carrier) Per Bag Per Item | $2,500, $1250, $125 | $1,000, $500, $50 | Not Covered |
| Baggage Delay (Pays for actual expenses incurred due to the delay & up to the limit stated) | $50 per hour up to $1,000 (Excess 4 Hours) | $50 per hour up to $500 (Excess 4 Hours) | Not Covered |
| Travel Delay (Pays for actual expenses incurred due to the delay & up to the limit stated) | $50 per hour up to $1,000 (Excess 4 Hours) | $50 per hour up to $500 (Excess 4 Hours) | Not Covered |
| Personal Liability | $1,000,000 | $500,000 | Not Covered |
| Hijacking | $250 per hour up to $10,000 | Not Covered | Not Covered |
| Emergency Family Travel | $2,500 | Not Covered | Not Covered |
| Legal Fees | $5,000 | Not Covered | Not Covered |
| Bail Bond | $10,000 | Not Covered | Not Covered |
| Loss of Passport | $500 | $300 | Not Covered |
| Trip Cancellation or Curtailment (Not Refundable Travel & Accomodation Bookings) | $5,000 | $2,500 | Not Covered |
| Missed Departure (Pays for actual expenses incurred due to missing the departure & up to the limit stated) | $1,000 | Not Covered | Not Covered |
| Assistance Department | Covered | Covered | Covered |
| Section 4 - Additional Optional Coverage | Covered | Covered | Covered |
| Hazardous Sports Benefits | Amount noted for the applicable cover under 4.4.1 HAZARDOUS SPORTS BENEFITS | Amount noted for the applicable cover under 4.4.1 HAZARDOUS SPORTS BENEFITS | Amount noted for the applicable cover under 4.4.1 HAZARDOUS SPORTS BENEFITS |
| Terrorism Extension | Amount noted for the applicable cover above or $100,000 whichever is less | Amount noted for the applicable cover above or $100,000 whichever is less | Not Covered |
| Section 5 - Medical expenses related to COVID19 | Covered | Covered | Covered |
Personal Accident
Personal Accident Is An Insurance Coverage For Death Caused By An Accident At Any Time Or Any Damage, Total Disability Or Partial Disability Whether The Disability Is Permanent Or Temporary Can Be Extended To Include Medical Expenses.
The main benefits:
Death Due To Accident
Permanent Total Disability Due To Accident
Medical Expenses due to Accident
Permanent total disablement due to an accident
Temporary total disability due to an accident
Medical Malpractice
Medical malpractice insurance, is one type of professional liability insurance which protects physicians and other licensed health care professionals (e.g., dentist, nurse) from liability associated with wrongful practices resulting in bodily injury, medical expenses as well as the cost of defending lawsuits related to such claims.
The Main Benefits:
Damages which the Healthcare professional become legally liable to pay resulting from any claim made during the policy period and caused by negligent act, error and omission which arises out of the rendering of, or failure to render professional health care services.
Legal costs & expenses in the defense and/or settlement of any claim to which this policy applies.
Medical
Overview
GIG-Kuwait provides you with a wide range of individual and family medical insurance policies, all of which have unparalleled ideal medical coverage to suit your needs. This coverage guarantees the necessary medical care in terms of accommodation, treatment and all health needs, in order to provide you with peace of mind and a sense of security when you need insurance coverage comprehensive health. Providing the necessary protection for you and your families is a key part of our insurance programs, as we designed unique insurance policies so that you have the absolute freedom to go directly to any doctor or hospital you choose within the provided medical network. With GIG-Kuwait, without a doubt, you will feel peace of mind and guarantee the best medical insurance for you and your family.
Fay
FAY is a private and flexible medical insurance plan tailored to support your healthcare needs including dental care, maternity expenses, and much more.
Coverage limits ranging from KD 5,000 to KD 1,000,000.
Access to a wide certified medical network.
Optional 10% or 20% or 0% coverage for outpatient services.
Backed by 24/7 technical support from Gulf Insurance Kuwait.
Choose FAY for peace of mind, complete care, and reliable support, anytime, anywhere.
| Benefits | FAY | FAY-Plus | FAY-Dual | FAY-Regional |
|---|---|---|---|---|
| Annual Financial Limit | Option I: KD 5,000 or Option II: KD 10,000 | KD 100,000 | KD 200,000 | KD 500,000 |
| Territorial Cover | Kuwait Only | Kuwait Only | Kuwait & ( Lebanon or Jordan or India ) | Kuwait, GCC, MENA, SEA & Turkey |
| Medical Network | FAY Plus Network | FAY Plus Network | Dual Network | Regional Network |
| Age Eligibility | Yes | Yes | Yes | Yes |
| Pre-Existing Conditions | Not Covered | Not Covered | Not Covered | Not Covered |
| Chronic Medications | Yes | Yes | Yes | Yes |
| In-Patient | Up to Annual Limit (Selected Co-Payment apply) | Up to Annual Limit | Up to Annual Limit | Up to Annual Limit |
| Co-Payments Options | Nil or 10% or 20% | No Co-pay | No Co-pay | No Co-pay |
| Accommodation Type | Yes | Yes | Yes | Yes |
| Hospital Services | Yes | Yes | Yes | Yes |
| Hospital Cash Benefit | KD 50 per night A maximum of 30 nights per year | KD 50 per night A maximum of 30 nights per year | KD 50 per night A maximum of 30 nights per year | KD 50 per night A maximum of 30 nights per year |
| Parent Accommodation | Yes | Yes | Yes | Yes |
| Out-Patient | Up to KD500/- for KD5,000 plan or KD700/- for KD10,000 plan PPPY | Up to Annual Limit | Up to Annual Limit | Up to Annual Limit |
| Co-Payments Options | 10% or 20% | 10% or 20% | 10% or 20% | No Co-pay |
| Visit Limitation | 16 Visits per Year | 16 Visits per Year | 16 Visits Per year inside Kuwait Unlimited outside Kuwait * | Unlimited |
| Physician Consultation | KD 5 per visit | KD 5 per visit | KD 5 per visit inside Kuwait No Deductible outside Kuwait* | No Deductible |
| Diagnostic Tests, Medicines & Physiotherapy | 10% or 20% | 10% or 20% | 10% or 20% | No Co-pay |
| Maternity | KD 1,200 | KD 1,200 | KD 1,500 | KD 3000 |
| Waiting Period | Yes | Yes | Yes | Yes |
| Out Patient visits coverage for maternity | Yes | Yes | Yes | Yes |
| Physician Consultation | KD 5 per visit | KD 5 per visit | KD 5 per visit No Deductible outside Kuwait* | No Deductible |
| Diagnostic Tests & Medicines | 10% or 20% | 10% or 20% | 10% or 20% | No Co-pay |
| New Born Baby Coverage | Yes | Yes | Yes | Yes |
| Dental | Not covered | KD 300 | KD 400 | KD 500 |
| Waiting period | Not covered | Yes | Yes | Yes |
| Covered services | Not covered | Yes | Yes | Yes |
| Co-pay | Not Covered | 20% | 20% | 20% |
| Treatment Outside Network (Reimbursement) | Applicable on all benefits | Applicable on all benefits | Applicable on all benefits | Applicable on all benefits |
| Coverage | Yes | Yes | Yes | Yes |
The main benefits:
Distinctive coverage including pregnancy and childbirth, physiotherapy, doctor’s consultations, diagnostic tests, prescribed medications and dental care as well.
Choose programs that cover treatment inside Kuwait only or treatment inside and outside Kuwait, depending on the type of program chosen.
FAY provides you with full support from a team of specialized medical professionals such as, qualified doctors and nurses available 24 hours, 7 days a week.
Enjoy coverage of treatment outside of Kuwait within the approved network, with a maximum of 70% of reasonable and accepted fees.
FAY plans provide you with global emergency services without any maximum limits for as part of in the dual, regional, international, and global plans.
Asfar
Expand Your Coverage Beyond Borders
If you're already covered under a Group Health Insurance policy with Gulf Insurance Group, Kuwait. The ASFAR Health Program offers you the opportunity to enhance your plan by extending coverage outside of Kuwait.
ASFAR acts as a valuable extension to your existing policy, providing access to medical treatment abroad along with additional worldwide benefits, giving you greater peace of mind, wherever life takes you.
The main benefits:
Three flexible packages to match your needs (Regional, International & Global)
Full coverage for pregnancy, childbirth, checkups, chronic medications & unlimited outpatient visits
Annual limits of KD 50,000 or KD 100,000, based on your plan
Up to 80% coverage within the approved medical network
Emergency services worldwide included
Prefered Global Health (PGH)
Experience World-Class Healthcare with Preferred Global Health (PGH)
Because your health deserves nothing but the best
Unlock access to the top hospitals in the USA with medical coverage that goes beyond expectations.
Up to $2 million in annual coverage
Covers treatment, travel, accommodation, and more
Get a dedicated Personal Care Manager to guide you every step of the way
With PGH, you're not just insured — you're prioritized.
Choose excellence. Choose PGH
The main benefits:
Comprehensive insurance coverage for severe diseases, up to a maximum of $ 2 million
Coverage of travel and accommodation expenses for the patient and the escort
Coverage for various medical treatments, fees for specialists and doctors.
Comprehensive coverage of the travel and subsistence expenses of a living donor.
An alternate geographical location for treatment if a visa for treatment in the United States is refused by the US embassy
Pre-treatment review and pre-approval services within the PGH Care Management Services
Marine
Third Party Liability
Marine Hull Third Party Liability provides you with coverage against third parties. this include protection against accident the may arise to the insured vessel during the period of insurance.
The Main Benefits:
Coverage For Loss And/Or Damage To Third Party Vessel And Third Party Property
Coverage For Death And/Or Injury Caused On Or Near The Insured Vessel Or Any Other Vessel
Removal Of Wreck
Legal Defense Will Be Provided To The Insured As Part Of This Policy
Marine - Comprehensive
Marine Comprehensive Insurance Coverage Includes Protection For All Of Your Marine Property From Boats Of Various Types Or Yachts And Provides You With Coverage For All The Risks Whether Due To Accident, Damage Or Other Matter That Lead To The Loss Of The Boat Or Damage To The Body, Machinery Or Navigational And Electrical Equipment. Rest Assured, We Are Always Keen To Apply The Highest International Standards Used In The International Insurance Market For To Cover And Protect Your Marine Assets.
Comprehensive Insurance (Standard Cover):
Offers You Protection For Loss Or Damage To Hull And Machinery
Covers You For Liabilities To Third Parties (Optional)
Provides Protection For Loss Or Damage To Hull Etc. Against War And Strikes Cover (Optional)
Comprehensive Insurance (Wider Cover):
Offers You Protection For Loss Or Damage To Hull And Machinery
Covers You For Liabilities To Third Parties (Optional)
Provides Protection For Loss Or Damage To Hull Etc. Against War And Strikes Cover (Optional)
Your Coverage Includes Boats, Craft, Gear, Tenders, Equipment, Jet Skis Etc. That Are Part Of The Main Vessel, Given They Are Used In Conjunction With Or Independently Of The Main Vessel
Third Party Liability For These Boats, Crafts, Gears, Tenders, Equipment, Jet Skis Etc. At Optional Limits
Water Skier’s Liability At Optional Limits
Institute Yacht Clauses Personal Effects
Including Medical Expenses Clause At Optional Limits
Protection And Indemnity Coverage:
We Provide You With A Distinct And Broader Insurance Policy To Cover Yachts Worth Millions. Where Insurance Coverage Includes Protection Provided To Cover Liability For The Various Risks Of Collision And Responsibilities Or Obligations Of Travelers, Sailors And So On
Property
Home Insurance
We know how much you love your home. So, we ensure that your home and/or its contents inside stays protected. Our Home Insurance policy will safeguard you from suffering financial setbacks at that time of an unforeseen accident, by providing you with complete protection to you, your family and your home.
| Covers | Limits (K.D) |
|---|---|
| Building Only | Covered |
| Accident Death | 100% of Principal Sum |
| Permanent Total Disability | 100% of Principal Sum |
| Contents Only | Covered |
| Emergency Medical Expenses | $500,000 |
| Dental Expenses | Included ($1,000 max) |
| Personal Belongings | Covered |
| Baggage Loss | $2,500 |
| Domestic Helpers | Covered |
| Accidental Death | $2,500 |
| Permanent Total Disability | $2,500 |
| Temporary Total Disability | $2,500 |
| Medical Expenses | $2,500 |
Life
Term Life
One Decision. Lifelong Protection. Get term life insurance to shield your loved ones from the financial impact of unexpected loss or injury. Simple, affordable, and powerful.
The Main Benefits:
Simple And Straight Forward Life Insurance Coverage.
Easy And Quick Disability Coverage.
Customize Your Plan To Fit Your Needs And Budget.
Financial Protection For Your Loved Ones, After An Unforeseen Accident Has Occurred.