Health insurance in Saudi Arabia is mandatory for expats working in the private sector and is linked to residency.
Is Health Insurance Mandatory?
Yes. Under the Cooperative Health Insurance system supervised by the Council of Health Insurance, private sector employers must provide health insurance for their expat employees. Valid insurance is needed to issue or renew an iqama.
Who Pays?
- Employers pay for employees’ basic policy.
- Many employers also cover the employee’s spouse and children – check your contract.
- Visitors usually need health insurance as part of their visa.
What Is Usually Covered?
- Doctor visits and specialist care
- Emergency treatment
- Hospital stays and surgery
- Maternity in many policies
- Medicines as per the policy
How to Check Your Insurance
- Use the official Council of Health Insurance website or app to check if your policy is active.
- Or check in your employer’s HR system.
- Keep your insurance card with you.
Tips
- Learn which hospitals are in your network.
- Understand co-payment amounts before treatment.
- Renew on time – expired insurance can block iqama renewal.
Rules, fees and requirements can change. Always confirm the latest details on the official government website before you apply.
2 thoughts on “Health Insurance in Saudi Arabia for Expats (2026 Guide)”