Obtain Saudi Health Insurance
Understand the mandatory health insurance requirements for residents.
This guide is for planning and preparation. Details may change, so verify current requirements with the official sources before applying, paying fees, or submitting documents.
Review and freshness
This guide has a recorded editorial review date. Always verify final requirements, fees, forms, and appointment rules with official sources before applying.
Estimated timeline
2 to 5 days for activation
Estimated fees
Usually free
Who this is for
Expats and their dependents living in Saudi Arabia.
Location
Saudi Arabia
Eligibility
Mandatory
All private-sector employees and their dependents must have health insurance to issue or renew an Iqama.
Required documents checklist
Tap each item as you gather it. This progress stays in your browser for the current page session.
Visual step flow
Scan the process before you start
Use this overview to understand the order, then track each item in the checklist below.
Verify with employer
Ensure your employer has purchased a policy from a licensed provider.
Check CCHI status
Visit the CCHI website and enter your Iqama/Border number to verify coverage.
Download provider app
Use the insurance company's app to see your digital card and network list.
Step-by-step instructions
Use this as a working checklist from preparation through submission.
Estimated fees
Premium cost
Employers are legally required to pay for the employee's and dependents' insurance.
Before submitting
Avoid rejected applications and wasted trips
Check these practical points before you pay fees, attend appointments, or hand over original documents.
Common mistakes
- Accepting 'fake' insurance just for Iqama renewal (this will leave you with zero medical coverage).
- Not checking the network of hospitals before visiting a doctor.
- Assuming insurance covers all costs (co-payments of 10-20% are common).
FAQ
Can I buy my own insurance?
Usually, the employer must provide it, but individuals can buy plans for family members or domestic workers.
What is the CCHI?
The Council of Health Insurance, the regulator for all health insurance in KSA.
Does it cover pre-existing conditions?
Standard policies have rules regarding this; check your specific policy wording.
Source and review
This guide has a recorded editorial review date. Requirements, fees, forms, and timelines can change. Use this guide as preparation support, then verify final details with the official source before submitting anything.