About Us


Gulf Electronic Management Systems  W.L.L. (GEMS), the first TPA Company licensed in Bahrain, is a joint venture with:

  • 60% holding by Gulf Union Insurance and Project Management Holdings Co BSC (closed)
  • 25% holding by Focus  International Holding FZC from Sharjah
  • 15% holding by Gulf Union Insurance and Reinsurance Co. BSC (closed)

GEMS is registered under the Ministry of Commerce and Industry, Kingdom of Bahrain with CR No. 59113 dated 27th December 2005. 

GEMS administers the largest medical insurance portfolio in Bahrain, servicing nearly 35,000 lives. Over the past ten years GEMS has successfully outsourced business from the Gulf Union Insurance Group and manages the back end of the company's medical Insurance portfolio. In addition, GEMS also administers the medical insurance portfolio of t'azur. GEMS is experienced in handling 240,000 lives while serving as TPA for Gulf Union Cooperative Insurance Company in KSA.

Furthermore, GEMS handles the back end for Gulf Union's Motor Insurance business. GEMS processed more than 20,000 Motor Claims.

GEMS is also experienced in handling the front office and stores for Gulf Union Automotive Repair Centre procuring BD 800,000 worth of parts in the process from a widespread network of spare parts suppliers in Bahrain and KSA.

An increasingly competitive business environment drives companies to look at ways and means to reduce costs -  GEMS offers a range of services that helps companies achieve a competitive edge.


  • Strong Domain Knowledge & Regional Experience of over 10 years as TPA with capabilities to handle over 240,000 lives
  • State of the Art Medical System catering to regional requirements
  • Our system of e-approvals enables providers to receive prompt replies to approval requests.
  • Strong, Organized & Scalable Infrastructure to handle large volumes
  • Process Driven
  • Large local and regional healthcare provider network on direct billing basis
  • International out-patient and in-patient direct billing network
  • Round the clock helpdesk & e-approval center
  • ISO 9001:2008 Accredited


  • Outsourcing sets up a framework for us to assume responsibility for your operational details, allowing you, the customer, to focus on your core business
  • We will go beyond basic claims administration by providing loss control services, medical bill review and advanced reporting.
  • Because of the nature of our specialization and core activities, GEMS brings world-class capabilities - leading-edge technology and skilled manpower to help you satisfy the needs of your customers and be more competitive.
  • Outsourcing enables the customer to turn over to us certain classes of risks - such as demand variability and capital investments.
  • Outsourcing permits the customer to redirect their resources from non-core activities to ones that have the greatest impact on their business.
  • Outsourcing is the right option for companies experiencing rapid growth, expansion into a new geographical area or spin-offs from the parent company where resources are not readily available.