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Obtain health insurance in the Kingdom of Saudi Arabia

Moving to the kingdom? Make sure you and your family cover all possibilities by taking out health insurance in the Kingdom of Saudi Arabia.

Traveling abroad can be stressful enough without having to worry about your health care needs. Health insurance in the Kingdom of Saudi Arabia is mandatory, widely accessible, and fairly straightforward. So, take comfort in reading about health insurance in the Kingdom of Saudi Arabia.

The health and health insurance system in the Kingdom of Saudi Arabia

Health insurance in Saudi Arabia used to be free for expats and locals alike. However, the government decided that the costs had become unsustainable and changed the rules. It is now free for Saudi citizens only. Since public health care no longer covers foreigners, expatriates must have proof of insurance to get their residence permit approved. The provision of health services is quite widespread throughout the kingdom, including public, private and military hospitals. However, most expats will generally only use private clinics and hospitals.

Who Needs Health Insurance in Saudi Arabia?

All people living in the Kingdom of Saudi Arabia need health insurance. This includes employers, employees, spouses, as well as all members of the employees' family. It also includes any foreigner who chooses to relocate to the Kingdom of Saudi Arabia. In fact, expats will not be able to obtain a work or residence permit without proof of insurance.

General health insurance in Saudi Arabia

All Saudi citizens have free public health insurance. This gives them access to comprehensive care, including hospitals, clinics, and outpatient services. It also houses dentists, pharmacies and rehabilitation centers. However, expats in the kingdom do not have access to these services.

Private health insurance in Saudi Arabia

Who Needs Private Health Insurance in the Kingdom of Saudi Arabia?

As an expat, you must have private health insurance if you want to live and work in the Kingdom of Saudi Arabia. Your employer will include health insurance as part of your benefits package. However, what your premium will cover can vary. So be sure to follow your policy with a fine tooth comb.

Consider the health coverage you really need. Does it include dental work? What are the covered maternity costs? What are your copays? What hospitals and clinics can you visit? These are all the things you should be thinking about. Also, keep in mind that insurance policies can vary greatly in price. This means that some reasonably priced clinics may not be accepted by larger, more reputable, or more reputable hospitals and clinics.

Advantages of obtaining private health insurance coverage in the Kingdom of Saudi Arabia
The good news is that even if your employer's insurance isn't enough for your needs, you can always add it. This means that you can buy additional special coverage for things like chiropractic treatments or stipends for contact lenses. In fact, you may even be able to negotiate additional private insurance in your benefits package.

Looking for additional private insurance can provide some important benefits. This could include access to the best facilities in the kingdom or high-quality dental care. You can even find insurance that provides emergency evacuation in the event of political unrest. So, take some time to think about what you and your family need and check to see if your employer's insurance meets them. If not, start looking for additional insurance.

How does private health insurance work?

Generally, employer-provided health insurance operates on a copayment system. This means that even with insurance, you will probably pay something for treatment or care. Check your insurance policy three times to see what you are responsible for and under what conditions. Keep in mind that many employers' insurance may only provide basic care. Therefore, your copays, or out-of-pocket payments for specialty treatment, can be high. However, insurance premiums in the kingdom are competitive, with plans available for less than $ 2,000 a year.

How to choose a health insurance provider

As an expat, your employer will likely provide you with insurance. However, this means that you will not have many options with the insurance provider you use for basic coverage. However, you may be able to negotiate a different insurance package with your company that is better suited to your needs.

However, if you want an additional additional private insurance premium, be sure to shop for the best deal. Make sure you find one that meets all of your medical needs and those of your family.

Health insurance costs and reimbursements

Payment costs depend on the individual. For example, factors like your health, how often you seek medical care, and the strength of your insurance policy will mean different rates. Although expats use the copay system, things like medications are highly supported. This means that you may be spending less than expected.

To get a better idea of ​​what you will pay, check what your employer covers and what additional private insurance (if applicable). In this way, you can estimate your costs more accurately.

Health insurance for the unemployed or low-income people

All Saudi citizens receive free public health care, regardless of their employment status. However, things are slightly different for expats. It's because everything is related to the hard-working person in your family. Your employer must provide proof of your employment and your health insurance package to obtain a residence permit. So your spouse and dependents are included in your insurance package. If your employer expels you, you automatically lose your health insurance and your right to stay in the country. You and any of your dependents will have to leave the kingdom.

Domestic workers, who are often low-income expatriates, are exempt from mandatory health insurance. Instead, your sponsors are responsible for your health-related expenses, whether it's registering them at a health center or paying for any treatment out of pocket.