How to Get Health Insurance in Saudi Arabia
A Complete Guide for Expats and Residents
Why Health Insurance is Required?
Health insurance is mandatory for all expats living in Saudi Arabia. Without valid insurance, residents cannot renew their Iqama (residency permit). Insurance policies must be registered and linked to Absher system.
How to Get Health Insurance
- Choose an approved health insurance company from the Council of Health Insurance (CCHI) list.
- Visit their official website and use their "Individual Insurance" or "Buy Now" section.
- Enter your personal information (Iqama number, DOB, etc.).
- Compare available plans and select the suitable one.
- Make payment online using credit card, debit card, or SADAD.
- The policy will be electronically linked with your Iqama and Absher.
Top Health Insurance Companies in Saudi Arabia
-
Bupa Arabia - One of the largest providers.
https://www.bupa.com.sa/en/individual -
Tawuniya - Offers a wide range of individual and corporate plans.
https://www.tawuniya.com.sa/en/Products/Health.aspx -
Medgulf - Offers various plans for families and individuals.
https://www.medgulf.com.sa/en/health-insurance -
AXA Cooperative (Now GIG Saudi)
https://www.gig.com.sa/en/personal/health -
Al Rajhi Takaful
https://www.alrajhitakaful.com/en/health-insurance -
Malath Insurance
https://www.malath.com.sa/en/health-insurance -
Allianz Saudi Fransi
https://www.allianzsf.com.sa/en/individual-products/health-insurance
How to Check If Your Insurance is Linked to Absher
- Log in to your Absher account.
- Go to "My Services" > "Inquiries" > "Health Insurance".
- Enter your Iqama number.
- The insurance details will appear if properly linked.
Tips Before Buying Insurance
- Compare prices and coverage levels before purchase.
- Ensure the insurance is approved by the Council of Health Insurance (CCHI).
- Save a copy of your policy and payment receipt.
- Check whether the plan covers hospitals and clinics near your location.
Comparison of Health Insurance Providers in Saudi Arabia
| Provider | Estimated Annual Cost (SAR) | Coverage | Online Purchase | Customer Support | Website |
|---|---|---|---|---|---|
| Bupa Arabia | 1,200 - 3,500 | Comprehensive (includes maternity, emergency, chronic) | ✔️ Easy & Fast | ⭐⭐⭐⭐⭐ | Visit |
| Tawuniya | 1,100 - 3,000 | Wide coverage, strong hospital network | ✔️ Simple Form | ⭐⭐⭐⭐ | Visit |
| Medgulf | 950 - 2,800 | Essential + optional extras | ✔️ Online Portal | ⭐⭐⭐ | Visit |
| GIG (Formerly AXA) | 1,000 - 3,200 | Full medical & surgical coverage | ✔️ User Friendly | ⭐⭐⭐⭐ | Visit |
| Al Rajhi Takaful | 850 - 2,500 | Basic plans with upgrade options | ✔️ Quick Steps | ⭐⭐⭐ | Visit |
| Allianz SF | 1,000 - 3,000 | Premium plans & fast approval | ✔️ Available Online | ⭐⭐⭐⭐ | Visit |
