Medical Insurance

Medical Insurance in Saudi Arabia

Free government healthcare is not available to foreign nationals. Private health insurance is compulsory for all expatriates living Saudi Arabia. Private insurance allows access to all government-run facilities in addition to some, but not all, private clinics and hospitals. A list of available clinics and hospitals will be provided by the insurer.

Health insurance is commonly provided and arranged by the employer for all employees as well as any accompanying spouses and dependent children. Insurance cards are usually issued shortly after starting work and applications for Western expatriates do not normally require a health test.

However, there are numerous tiers of insurance and it is important to clarify the extent of coverage when signing up to an employment contract. This is especially the case for families with children, or couples planning to start a family in Saudi Arabia. Cover can include emergency evacuation, but this will not normally be necessary as most aspects of treatment in the country are world-class. Comprehensive insurance costs from SR4,500 to SR6,500 per annum.

Minimum legal medical cover usually includes:

• All medical expenses caused by injury or sickness (including required diagnosis, examinations, investigations, medications and admission)
• Preventive measures (such as vaccinations or care for mothers and children)
• In-patient care and treatment (including childbirth and operations)
• Dental and gum treatment (excluding orthodontic treatment and implants)
• Repatriation of remains to home country in the event of death

Even with medical insurance, some hospitals and clinics may still demand payment in advance of medical services, treatment and medicine, which will be reimbursed by the insurer later. In the event of this occurring, it is important to get a receipt for every part of the treatment, including if buying medicines in a pharmacy.

A small excess (usually not more than SR50) is normally payable for each hospital/clinic visit, prescription or treatment. Payable excess should be clarified with the insurer at the outset.

As an alternative to insurance, some employers have a direct agreement with a specific hospital. Again, this should be clarified by the employee during negotiation of a contract.

Medical insurers

Some of the leading medical insurers in Saudi Arabia include:

• Tawuniya 
  Tel: 9200 19990
• Saudi National Insurance Company (Bahrain)
  Tel: 00973 1756 3377
• Al Rajhi Insurance 
  Tel: 9200 04414
• Bupa Saudi Arabia 
  Tel: 800 116 0500
• Malath Insurance
  Tel: 800 124 0088
• MedNet 
  Tel: 9200 09229
• MedGulf 
  Tel: 800 124 8844
• ACIG 
  Tel: 800 124 6999
• Gulf General Insurance Co (GGI)  
  Tel: (02) 651 6610