no no no! i disagree 100% with AAB
i saw horrible failures when some idiot tried to use AAB on his power mosfet. breakdown voltage was reduced by almost 80%, hot carrier wearout was much easier, all in all it was junk. the gates were crushed, the thin oxide (150A/0.6um process) was often cracked, the cross sections looked like hell!
i might put pn junctions under my bondpad, but NEVER gate or gateox. it might work for your experimental ceramic chips, using soft gold bondwire, hand bonded by someone who knows what they're doing... but in offshore production, bashing aluminum bondwires on at a rate of 10/second - your structures will be crushed, i promise you.
i know for a fact that carsem (actually a pretty good assembly house) could break the bondpads right out of any chip without barrier metal. even then the ILD thickness had to be increased to act as a shock absorber - and you want to put gateox under this? you should be wondering if your silicon itself is going to break!!