Healthcare insurance in Saudi

Are you planning to relocate to the Kingdom?

Ensure complete protection for you and your loved ones by securing health insurance in Saudi Arabia.

The process of shifting to a new country can be daunting, and managing healthcare should be the least of your concerns. In Saudi Arabia, health insurance is not only obligatory but also readily available and relatively simple to understand. So, ease your worries by getting familiar with the health insurance landscape in Saudi Arabia.

Our comprehensive guide provides a deep dive into all you need to know about health insurance in this country, encompassing topics such as:

An Insight into the Healthcare System and Health Insurance in Saudi Arabia

Previously, health insurance in Saudi Arabia was freely accessible for both expats and local residents. However, due to soaring costs, the government revised this policy. Now, only Saudi nationals can avail free health insurance. Since public healthcare no longer caters to non-citizens, expats are required to produce evidence of valid health insurance to gain approval for their residence permit.

Who is Required to Have Health Insurance in Saudi Arabia?

Every individual residing in Saudi Arabia is obligated to have health insurance. This encompasses employers and their employees, spouses, and all family members of these employees. Even foreigners planning to relocate to Saudi Arabia are included in this mandate. Particularly, expatriates won’t be able to secure their work or residence permits without demonstrating proof of valid health insurance.

Understanding Public Health Insurance in Saudi Arabia

Public health insurance in Saudi Arabia is freely provided to all Saudi nationals, enabling them to benefit from extensive healthcare services. This includes access to hospitals, clinics, and outpatient facilities, as well as dental care, pharmacies, and rehabilitation centers. Nevertheless, these services are not extended to expatriates living in the Kingdom.

A Look at Private Health Insurance in Saudi Arabia

Who Requires Private Health Insurance in Saudi Arabia? For expatriates seeking to live and work in Saudi Arabia, private health insurance is a must-have. It is typically included in the benefits package provided by your employer. However, the coverage offered by your insurance premium can vary widely. Therefore, it’s crucial to examine your policy meticulously to understand what it entails.

Take into account the specific health coverage you require.

Does the plan include dental services?

Are maternity costs covered?

What are your co-payment responsibilities?

Which hospitals and clinics are accessible under the plan?

All these factors should be evaluated thoroughly. It’s worth noting that insurance policies can drastically differ in cost, which implies that some of the more economical ones may not be accepted at larger, more frequented or reputable healthcare facilities.

The Perks of Opting for Private Health Insurance Coverage in Saudi Arabia

The silver lining here is that you can always supplement your employer-provided insurance if it doesn’t fully meet your needs. This implies you can procure additional private coverage for things like chiropractic procedures or an allowance for contact lenses. Indeed, you might be able to negotiate extra private insurance inclusion in your benefits package.

Pursuing supplementary private insurance can unlock significant advantages, such as gaining access to top-tier healthcare facilities in the Kingdom, or receiving superior dental care. Some insurance packages even include provisions for emergency evacuation in cases of political turmoil. Therefore, devote some time to determine the specific needs of you and your family, and evaluate whether your employer’s insurance fulfills them. If not, it’s worth considering further insurance options.

Understanding the Functioning of Private Health Insurance

Typically, employer-provided health insurance operates based on a co-payment system. This implies that despite being insured, you may still need to make some payment towards treatments or care. It’s vital to thoroughly review your insurance policy to understand your financial responsibilities and under what conditions they apply. Bear in mind that many employers’ insurance might offer only fundamental care. Thus, your co-payments – or out-of-pocket expenses for specialized treatment – might be substantial. However, insurance premiums in the Kingdom are competitive, with plans available for less than SAR 7,500 annually.

Selecting a Health Insurance Provider

As an expatriate, your insurance is most likely provided by your employer, limiting your choices regarding the insurance provider for your basic coverage. Although, you might be able to negotiate a different insurance package with your company that caters to your needs more effectively.

However, if you’re considering acquiring an additional private insurance premium to top-up your coverage, it’s crucial to compare different offers to get the best deal. Ensure that you find one that addresses all the medical needs of you and your family.

Health Insurance Providers in Saudi Arabia

Should you seek extra private health coverage in Saudi Arabia, numerous international insurers operate within the country.

Understanding Health Insurance Costs and Reimbursements

The cost of insurance premiums is largely determined by individual circumstances. Factors such as your health status, the frequency of your medical visits, and the comprehensiveness of your insurance policy all contribute to the pricing. Even though expatriates typically use a co-payment system, certain elements like medications receive heavy subsidies. This could result in your out-of-pocket expenses being lower than initially expected.

Health Insurance for Unemployed Individuals or Low-Income Earners

All Saudi citizens are entitled to free public healthcare irrespective of their employment status. However, for expatriates, the situation varies. This is because everything is linked to the employment of the primary earner in your family. Your employer needs to provide evidence of your employment and your health insurance package for you to obtain a residence permit. Your spouse and dependents are then covered under your insurance package. However, if your employment is terminated, you instantly lose your health insurance and the right to reside in the country, and both you and your dependents must leave the Kingdom.

Domestic workers, who are frequently low-earning expatriates, are exempted from mandatory health insurance. Their sponsors bear the responsibility for their health-related expenses, either by registering them in a Health Center or by making out-of-pocket payments for any necessary treatments.