Tuesday, July 17, 2007

Medical insurance in Saudi Arabia

As per Saudi labor law, every employer is supposed to take care of his employees' medical needs. Medical insurance, which is big business in Saudi Arabia, has now become compulsory. I would advise all people looking forward to working in Saudi Arabia to read and re-read their contract for this particular point. Please note that unless it is explicitly mentioned in your contract that you would have to pay partly for your medical expenses, it is the responsibility of your sponsor to foot all your medical and dental bills.
It is a prevalent practice among some hospitals to make the patients pay a minimum amount, usually SR20, for every visit to the hospital. This depends on the type of insurance card. If you are a family of four, and theoretically speaking if all of you visit the hospital once a month, remember that it comes to a substantial amount every year. But this amount also must be reimbursed by your sponsor legally because, as mentioned earlier, if it is not mentioned in writing in your contract, your employer has to bear 100% of your medical and dental bills.

10 comments:

mona said...

Dear everybody,

I have a particular case, my employee will be in EU and he will sent to me to Saudi for 10 months each year. I wondering if i have to take a saudi medical insurance or stick only with an independent wich cover in Saudi and EU.

Because has far as i know, on being so long in the country i have to have a saudi insurance.

COuld u pls answer my question?

Thanks in advance.

Expatguru said...

Mona,

I didn't quite understand your query, but from what I gather, your employee is going to be out of Saudi for 10 months. If my perception is correct, in any case from the moment he lands in Saudi, it is best that he is covered by a Saudi insurance. Alternatively, you may go in for an international insurance which covers both the EU and Saudi, but this may be rather expensive. So, it's is up to you to take a judicious decision.

Anonymous said...

I am over 60 and currently in a changed profession of a laborer. I originally came to Saudi as an Accounting Analyst. I hold Master's degree from the UK in financial management. My kafeel says that at the time of renewal of my Iqama I shall have to pay around SR11,000 for medical insurance otherwise it will not be renewed. To me it seems illogical to demand such an exhorbitant sum for a medical cover. Can I get a private medical cover to enable me to renew Iqama? Any other suggestions?

Expatguru said...

Anonymous,

Please fill in your query using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would ensure that you get a detailed personalized reply.

Anonymous said...

Anonymous!
Hi, I am a Canadian citizen.I got a job offer from Saudi Arabia for a College(Instructor)post and waiting for my Contract.
The middle party(recruiter) said that they apply for a Temporary work visa which is for three months without any medical clearance I have a confusion that is it possibly to get a visa without any medical clearance.
Secondly I have a Canadian masters degree and my bachelor degree is from another country which is already submitted to my prior university. So could i get a visa to show my masters degree.
Please clear my confusion I will really appreciate you otherwise I will be late.
Thank you very much.

Expatguru said...

Anonymous,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed personalized reply.

Anonymous said...

Sir,

I bought my visa from my original employer who settled in macca with the agreement of release, when i seek job, he transfer ang gave all the documents that i need, to a my current employer.With my new employer, i spend working with them 6 yrs. so i decided to look for a good offer until i made it,once more i asked my release!
and they gave all my papers but then i found out my labor card was expired and it is under the name of my orginal sponsor!so my question is: who responsiblbe to renew my labor card and what will i do?

Please give my some advice.!!!



thank you very much.

Expatguru said...

Anonymous,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed, personalized reply by email.

Anonymous said...

Dear Sir,

I have passed B.Tech from IMTS,Noida which is an autonomous private institute, which is not recognised by UGC/AICTE/State Board etc.

But these B.Tech certificates got Attested from SDM (Sub-Divisional Magistrate) M.E.A (Ministry of external affairs.

Now can i get these attested from saudi embassy for job visa.

Will embassy accepts them with out MHRD attestation?

Regards,
Ravi kumar

Expatguru said...

Ravikumar,

Please fill in your query in the form using the link in the top right corner of this blog. I charge a nominal fee for my consultancy, which would get you a detailed, personalized reply by email.