Instant, accurate estimates compliant with CCHI & mandatory KSA health insurance law. Compare Class A, B, C plans and Tawuniya price lists. Download or print your personalized report.
Estimate your medical insurance cost in Saudi Arabia for expats, families, or individuals
Understanding the ksa health insurance calculator is essential for anyone navigating Saudi Arabia's mandatory health insurance landscape. Whether you're an expat relocating to Riyadh, Jeddah, or Dammam, or a Saudi national needing family coverage, this comprehensive guide covers everything from class C medical insurance Saudi Arabia price to Tawuniya health insurance price list and ksa mandatory health insurance requirements.
The ksa health insurance calculator for expats above takes into account multiple factors that influence your premium. Unlike standard calculators, our tool considers nationality loading, age factors, and family composition to give you the most accurate medical insurance cost in saudi arabia for expats. With over 10 million expats in the Kingdom, understanding these costs is crucial for budgeting and compliance.
The Council of Cooperative Health Insurance (CCHI) mandates three distinct classes of health insurance. Here's an in-depth analysis of each:
Best for: Single expats, low-risk individuals, budget-conscious workers.
Best for: Families, mid-level professionals, those needing maternity.
Best for: Executives, high-net-worth individuals, those seeking premium care.
Using our ksa health insurance calculator for family, here are real-world scenarios:
| Family Composition | Class B Estimate | Class C Estimate | Best Option |
|---|---|---|---|
| Couple (both 35) | SAR 14,500 | SAR 8,200 | Class B for maternity |
| Family (2 adults 40, 2 children) | SAR 22,000 | SAR 13,500 | Class B for comprehensive |
| Family (2 adults 50+, 3 children) | SAR 31,000 | SAR 18,500 | Class B + age loading |
| Single parent + 1 child | SAR 11,500 | SAR 6,800 | Class B for child benefits |
The Tawuniya health insurance price list serves as a benchmark for the Saudi market. Here's a comprehensive breakdown:
| Plan Type | Individual (30-39) | Family (4 members) | Coverage Limit | Network |
|---|---|---|---|---|
| Tawuniya Essential (Class C) | SAR 3,800 | SAR 12,500 | SAR 500,000 | Basic network |
| Tawuniya Standard (Class B) | SAR 6,200 | SAR 21,000 | SAR 1,000,000 | Extended network |
| Tawuniya Premium (Class A) | SAR 9,800 | SAR 32,000 | SAR 2,000,000+ | Premium network |
| Tawuniya Executive | SAR 15,000 | SAR 48,000 | Unlimited | International |
The ksa health insurance law (Royal Decree M/10) makes it compulsory for all expats and their dependents to have health insurance. Key requirements:
The ksa health insurance market is valued at over SAR 40 billion, with key players including:
KSA visa insurance is mandatory for all visit visas. Here's how to download your policy:
| Factor | Employer-Sponsored | Individual Plan |
|---|---|---|
| Cost (Class B) | SAR 5,500 - 7,500 | SAR 6,500 - 9,000 |
| Coverage for family | Often included | Additional cost |
| Pre-existing conditions | Usually covered | May be excluded |
| Waiting periods | Minimal | Up to 6 months |
| Flexibility | Limited | Full choice |
Based on current global insurance trends for 2026