Medical insurance companies in Saudi Arabia
SA Doctor tracks 20 medical insurance companies operating in Saudi Arabia under the Council of Health Insurance (CHI), with claims processed through NPHIES. The table below shows each insurer's network on SA Doctor and its member rating.
How many medical insurance companies operate in Saudi Arabia?
This directory tracks 20 major medical insurance companies operating in Saudi Arabia under the Council of Health Insurance.
The list below covers the most widely held insurers in the Saudi market; it is not a complete register of licensed companies. To verify an insurer's licence or view the official register, consult the Council of Health Insurance directory.
Walaa Cooperative Insurance
ولاء للتأمين التعاوني
Walaa Cooperative Insurance offers medical cover through regional corporate networks, with flexible plan structures for employer groups.
Tawuniya
التعاونية
Tawuniya is one of the largest insurers in Saudi Arabia by turnover, with a medical portfolio spanning individual, family and large corporate schemes.
Bupa Arabia
بوبا العربية
Bupa Arabia is a specialist health insurer, focused on medical cover rather than general insurance lines, and is positioned in the premium segment of the Saudi market.
Al Rajhi Takaful
الراجحي تكافل
Al Rajhi Takaful is a leading provider of Sharia-compliant cooperative insurance in Saudi Arabia, with a strong presence in the SME health segment.
Malath Insurance
ملاذ للتأمين
Malath Insurance is known for straightforward SME health plan administration and a simple claims process.
MedGulf
ميدغلف
MedGulf is a long-established Saudi insurer widely used for enterprise medical schemes and large corporate group cover.
Al Alamiya
العالمية للتأمين
Al Alamiya for Cooperative Insurance, historically affiliated with RSA, offers a focused set of healthcare plans.
Al Etihad Cooperative Insurance
الاتحاد التجاري للتأمين
Al Etihad Cooperative Insurance is widely used across the Western and Eastern provinces of Saudi Arabia.
Al Sagr Insurance
الصقر للتأمين التعاوني
Al Sagr Cooperative Insurance is active in family plans and entry-level medical network cover.
Allianz Saudi Fransi
أليانز السعودي الفرنسي
Allianz Saudi Fransi combines an international insurance group's underwriting framework with local banking distribution in Saudi Arabia.
Allied Cooperative Insurance Group (ACIG)
المجموعة المتحدة للتأمين التعاوني (أسيج)
Allied Cooperative Insurance Group (ACIG) competes on rate for standard compliance tiers and SME group cover.
Amana Cooperative Insurance
أمانة للتأمين التعاوني
Amana Cooperative Insurance provides entry-to-mid level employee medical cover for basic compliance requirements.
Arabia Insurance Cooperative (AICC)
العربية للتأمين التعاوني
Arabia Insurance Cooperative Company (AICC) has broad regional roots across the Middle East alongside its Saudi medical plans.
Arabian Shield
الدرع العربي
Arabian Shield Cooperative Insurance focuses on corporate medical schemes and cover built around SME operational needs.
Chubb Arabia
تشب العربية
Chubb Arabia concentrates on multinational and executive medical schemes rather than mass-market retail cover.
Gulf General Cooperative Insurance
الخليجية العامة للتأمين
Gulf General Cooperative Insurance offers localised clinic network cover aimed at cost-conscious groups.
Gulf Insurance Group (GIG)
مجموعة الخليج للتأمين
Gulf Insurance Group (GIG) Saudi Arabia, which previously operated as AXA Cooperative, provides medical cover backed by a regional provider network.
SAICO
العربية السعودية للتأمين (سايكو)
Saudi Arabian Cooperative Insurance (SAICO) is an established provider of commercial employee medical policies.
Saudi Enaya
إناية السعودية
Saudi Enaya Cooperative Insurance is a dedicated health insurance specialist operating in the Saudi market.
United Cooperative Assurance (UCA)
المتحدة للتأمين التعاوني
United Cooperative Assurance (UCA) provides scalable medical packages aimed at business and corporate groups.
Is medical insurance mandatory in Saudi Arabia?
Yes — health insurance is mandatory for all private-sector employees and their dependants under the Cooperative Health Insurance Law.
The obligation to provide cover sits with the employer, and the scheme also extends to residents and, for defined categories, visitors to the Kingdom.
What is the Council of Health Insurance (CHI)?
The Council of Health Insurance is the Saudi government body that regulates the health insurance market, licensing insurers and setting minimum cover standards.
What is NPHIES?
NPHIES is Saudi Arabia's national platform for exchanging insurance eligibility and claims data between insurers and healthcare providers.
Every active policy is registered through it, which is what lets a hospital verify your cover at the moment of the visit.
How do I find a doctor or hospital that accepts my insurance?
Pick an insurer from the list above to open its profile, where SA Doctor lists the hospitals and clinics and doctors that accept it.
We are still building the accepted-provider lists for each insurer; they appear on the insurer's profile as the data lands.
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