Understanding Mandatory Health Coverage in the Kingdom

Saudi Arabia enforces mandatory health insurance regulations to protect the well-being of its workforce and residents. Both employers and employees must understand these requirements to ensure continuous compliance and adequate healthcare access for expatriates and certain categories of Saudi nationals.

Council of Health Insurance (CHI) Mandate

All expatriates and their dependents, plus specific Saudi nationals in the private sector, must be covered to maintain valid residency and employment status.

Core Benefits & Optional Add-ons

Most plans include basic inpatient and outpatient services, with optional features like dental or optical depending on the insurer and policy tier.

Ensuring proper health coverage goes beyond meeting legal obligations—it safeguards businesses from operational disruptions and employees from medical burdens. Here are three essential considerations for anyone navigating health insurance in the Kingdom.

  • Employer Responsibility: Companies must provide valid health coverage. Failure to comply can lead to fines or legal repercussions.

  • Policy Renewal: Employees without an active health insurance policy may face difficulties renewing their Iqama or work permits.

  • Cost vs. Coverage: It’s vital to compare premiums and coverage levels carefully, ensuring employees receive adequate benefits at a reasonable cost.

Maintaining a Healthy Workforce

A robust health insurance plan doesn’t just meet legal requirements—it boosts employee morale, productivity, and overall satisfaction. By offering comprehensive coverage, businesses foster trust and security among their teams.

Compliance as a Competitive Advantage

Staying compliant and well-insured can help attract and retain top talent, setting you apart in the job market.

Proactive Wellness Initiatives

Healthy employees reduce downtime, and wellness programs integrated into health insurance can further optimize performance.

Navigating Saudi Arabia’s health insurance landscape can be complex, but Deraya makes it straightforward. Contact us today to discover how our tailored solutions keep your workforce covered while ensuring you remain fully compliant.