Best expat health insurance quotes in Saudi Arabia

Saudi Arabia has a mixed public and private healthcare system, both providing good quality services. The public healthcare system in Saudi Arabia is open to Saudi citizens and public sector workers. Expats in Saudi Arabia have to access private care through hospitals, clinics, and health centers.

In Saudi Arabia, private health insurance is mandatory for expats because they can’t access public healthcare. This should be provided through the expat’s employer. Without private health insurance, you cannot maintain a residence permit to live in Saudi Arabia.

It’s best to start your private health insurance policy just before you arrive in Saudi Arabia. If you have a coverage gap between your insurance at home and your new policy, this could leave you with out-of-pocket expenses in case of emergency.

Usually private health insurance policies are on an individual basis. If you want to cover a partner or family members, you can add them on when you build your policy. If you have several dependents, it’s worth shopping around for the best family plan.

When you first design a health insurance plan, you can choose what you will pay yourself and what the provider will pay. Which treatments your plan covers depends on if you’ve met your deductible, whether you have a provider network, and other factors.

Insurance premiums are based on age, medical history, level of coverage needed, and whether you include extra benefits. Since healthcare is relatively affordable in Saudi Arabia, health premiums are generally competitive.

The claims process in Saudi Arabia varies between insurers. Some deal directly with healthcare providers and pay bills on your behalf while others require you to pay upfront and send an invoice after. If you’re concerned about having to pay upfront, look for a provider who can sort out claims directly.