Health insurance in Saudi Arabia
Mandatory employer cover, what it includes and how to use it.
In short
All private-sector expats and their dependants must have health insurance approved by the Council of Health Insurance (CHI). Your iqama cannot be issued or renewed without it.
- Mandatory
- Yes, for employees and dependants
- Regulator
- Council of Health Insurance
- Employer covers
- Employee, spouse and children under 25
- Emergency
- 997 (ambulance)
Step by step
Tick each step as you finish it. Open a step to see what to do.
Ask HR for the class (VIP, A, B, C) and network.
Week 1
Documents checklist
Do’s and don’ts
Do
- Check that your policy is visible on the CHI portal
Don’t
- Don’t pay cash for covered treatment – ask for direct billing
Cost estimator
Untick what doesn't apply to you. These are rough figures and fees change often, so check with the authority.
Watch out
- Employers must cover your family under the unified policy. Confirm this in your contract.
Common questions
What is Sehhaty?
The Ministry of Health app for appointments, sick leave and records.
Official links
Background and more detail
Employer cover is mandatory
Private employers must provide health insurance for expat employees and their registered dependents. The rules are set by the Council of Health Insurance. Your iqama cannot be issued or renewed without valid cover.
What the basic policy covers
- GP and specialist visits
- Hospital stays and surgery
- Maternity
- Emergency treatment
- Medication, with co-payments
Higher tiers add wider hospital networks and lower co-pays. Ask HR which class you are on.
Using it
Show your insurance card or iqama at network clinics. Book appointments through Sehhaty or the clinic's app. Emergency care must be given without delay.
Good to know
Dental and optical cover are limited on basic plans. Pre-existing conditions are covered, but chronic medication may need prior approval.
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