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Medical Insurance for Expats in Saudi Arabia

Health insurance is mandatory for all expatriates in Saudi Arabia and is required for Iqama renewal. In most cases, your employer is legally required to provide it. This guide explains how it works, what to check, and what to do if you don't have coverage.

Who Is This For?

Expatriates living in Saudi Arabia who need to understand their medical insurance status before renewing their Iqama.

What You Need Before Starting

  • ✓Your Iqama number
  • ✓Your employer's contact — to confirm who provides your insurance

Step-by-Step Process

  1. 1Check with your employer's HR department to confirm your insurance provider and policy number
  2. 2Verify your insurance is active by visiting the Council of Cooperative Health Insurance (CCHI) portal at cchi.gov.sa
  3. 3Log in or search using your Iqama number to see your current coverage status
  4. 4If your insurance has expired, notify your employer immediately — they are responsible for renewal
  5. 5If your employer refuses, you can file a complaint with the Ministry of Human Resources
  6. 6Once insurance is confirmed active, you can proceed with Iqama renewal on Absher

Common Mistakes to Avoid

  • ✗Assuming insurance is active without checking — it may have lapsed without your knowledge
  • ✗Not following up with HR before the Iqama expiry date — this causes delays
  • ✗Thinking you can purchase insurance yourself to bypass the employer — this is not standard practice for employment visas

Timing & Fees

Insurance cost is covered by your employer for work visa holders. Processing time varies depending on your employer's insurance provider.

Frequently Asked Questions

What if my employer has not provided health insurance?

This is a legal violation. You can report it to the Ministry of Human Resources via their portal at hrsd.gov.sa or by calling 19911.

Can I check my insurance status online?

Yes. Visit cchi.gov.sa and use the beneficiary inquiry section with your Iqama number to check your insurance status.

Does my insurance cover my family?

It depends on your employer's policy. Some companies cover dependents, others do not. Check your policy documents or ask HR.