New Health Insurance Policy Limits in Saudi Arabia: One Policy per Employee

From August 1, 2023, The Council of Health Insurance (CHI) in Saudi Arabia has enforced a significant change in health insurance policy regulations. In a recent announcement to the Federation of Saudi Chambers, the Saudi Council of Health Insurance outlined that, henceforth, each individual beneficiary is restricted to having only one basic health insurance policy.

The Council's directive aims to prevent the acquisition of multiple basic health insurance policies by a single individual. This regulation applies to both employees and their dependents, bringing clarity and uniformity to health insurance practices in the country.

In accordance with this new policy, as of August 1st, it will no longer be permissible to purchase two or more insurance policies for a worker or their dependent(s) from one or more insurance providers. The move is a strategic decision by the Health Council to streamline health insurance provisions and avoid potential issues related to policy overlaps and claims disputes.

The Council of Health Insurance has also assured that the renewal of insurance documents and other relevant administrative procedures will be conducted in alignment with this new regulation, making the transition as smooth as possible for all stakeholders.

This initiative underscores the Council's commitment to enhancing the efficiency and fairness of the healthcare insurance system in Saudi Arabia. By limiting each beneficiary to a single basic health insurance policy, the CHI aims to simplify the process, reduce administrative complexities, and ensure that healthcare coverage is fairly distributed among employees and their dependents. This policy change is set to have a significant impact on the health insurance landscape in the country, ultimately benefiting both insurers and insured individuals.