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Expat Exchange - Health Insurance in Saudi Arabia
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Health Insurance in Saudi Arabia

By Betsy Burlingame

Allianz Care
Allianz Care

Summary: As you plan your move to Saudi Arabia, a key decision awaits: selecting the right health insurance. Should you go with local or expat coverage? This article explores the options and includes experiences shared by expats in Saudi Arabia, offering a glimpse into what might work best for you.

Healthcare in Saudi Arabia - Health Insurance in Saudi Arabia

Saudi Arabia offers a comprehensive healthcare system that includes both public and private facilities. Expats and digital nomads moving to or living in the Kingdom are required to have health insurance, which is often provided by employers or can be purchased from various insurance companies operating within the country.

Health Insurance Companies in Saudi Arabia

Several health insurance companies operate in Saudi Arabia, offering a range of policies to residents, including expatriates. Some of the most popular insurers include Bupa Arabia, Tawuniya, and Medgulf. These companies provide various levels of coverage, from basic to comprehensive plans, and expats are indeed eligible to purchase health insurance from them. The plans can be tailored to include coverage for dependents, dental, maternity, and more, ensuring that expats have access to the necessary healthcare services while in Saudi Arabia.

Expat Health Insurance in Saudi Arabia

Expats living in Saudi Arabia often opt for specialized expat health insurance plans. These plans are designed to meet the specific needs of expatriates, offering a wider network of healthcare providers, international coverage for those who travel frequently, and services such as medical evacuation. Specialized expat health insurance can provide peace of mind for those living far from their home countries, ensuring that they have access to high-quality healthcare no matter where they are.

Local Health Insurance vs. Expat Health Insurance

While some expats and digital nomads may choose to use local health insurance companies for their coverage, others prefer specialized expat health insurance providers. The choice often depends on the individual's circumstances, such as their health needs, travel plans, and whether they require coverage that extends beyond Saudi Arabia. Expat health insurance can offer more comprehensive global coverage, which is beneficial for those who live a nomadic lifestyle or who want the flexibility to seek treatment in different countries.

Considerations for Health Insurance Abroad

When deciding on health insurance while living overseas, there are several important factors to consider. One key aspect is whether the insurer offers direct billing with healthcare providers or if you will need to pay upfront and submit claims for reimbursement. The ease of the claims process, the extent of the healthcare network, coverage limits, and the inclusion of repatriation or evacuation services are also crucial considerations. Additionally, understanding the local healthcare system and any legal requirements for insurance in your host country will help ensure that you select a plan that meets both your personal needs and legal obligations.

Expats talk about Health Insurance in Saudi Arabia

"My sponsor always paid for my insurance. I ended paying an extra amount for higher end insurance so I could go the Kingdom Hospital, and found out that the medical staff there are not adequately trained," commented one expat living in Riyadh, Saudi Arabia.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.


Allianz Care
Allianz Care

Allianz Care
Allianz Care

Allianz Care
Allianz Care

Flexible solutions allow you to tailor your cover to meet your needs and budget. Use Promocode: LIFE10 and get 10% off your international health insurance for life!
Get Quote

Allianz CareAllianz Care

Flexible solutions allow you to tailor your cover to meet your needs and budget. Use Promocode: LIFE10 and get 10% off your international health insurance for life!
Get Quote

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