Expatriate Insurance Saudi Arabia - Expat Insurance in Saudi Arabia Overview.
Are you an American Expatriate in Saudi Arabia or a company that is sending Americans to work in Saudi (or sending TCNs of other nationalities into the KSA (Kingdom of Saudi Arabia?. An expat assignment in Saudi is like no place else on earth, mostly from a cultural perspective.
Before we provide some interesting information about being an expatriate in Saudi Arabia, we want to remind readers that we are an international insurance brokerage that does specialize in the needs of expatriates living in Saudi Arabia and the Middle East. If you have any questions about international insurance, I hope you will contact us.
Do you need to provide Employee Benefits in Saudi Arabia, Property and Casualty coverages or security plans like Kidnap and Ransom Insurance in Saudi Arabia?
Everything about an expat assignment in Saudi is a different experience. Here is the Budweiser you can buy in Jeddah. Of course, it's non-alcoholic and this one is lime flavored, nonalcoholic beer. Expatriates living in Saudi would never risk trying to bring beer into the country but many expatriates in Saudi will break the law by "home brewing" behind closed doors using the raw ingredients to make beer and honey wines. For expats, there is absolutely no drinking anywhere in the country.
Those needing expatriate medical insurance in Saudi Arabia have very few choices because there are relatively new rules in Saudi Arabia that require foreign expatriates to use locally admitted carriers for health insurance. Acceptable international health insurance in Saudi Arabia does not mean using your U.S. Blue Cross plan!
Expatriates seeking Life Insurance in Saudi along with most other lines of coverage are best suited looking for the coverage from American, British or EU providers vs. looking locally inside Saudi Arabia, as the expatriate will find no local insurance market for most of what they seek as expatriates living in Riyadh and Jeddah.
Unlike what many believe, Saudi Arabia even though it is the heart of the middle east is not a big kidnap and ransom threat for Americans and Europeans.
International medical insurance in Saudi should include medical air evacuation and repatriation, but there are some very high quality hospitals in Saudi and the chances an expatriate would need to be flown to another country in an emergency to seek more appropriate care, would be quite low.
King Faisal Specialist Hospital and Research Center: This hospital in Jeddah was established in 2000, in order to provide top notch medical service for people in the western part of the country. Spread over 80,000 square meters with a bed capacity of 460, this tertiary care hospital is one of the best in Saudi Arabia.
King Fahad Military Hospital: Another fine Jeddah hospital, it is renowned for the quality emergency medical care it provides. The hospital offers general surgery, specialist surgery, maternal care, burn treatment and other essential medical services.
Along with these general hospitals, some specialist hospitals in the country are: Prince Sultan Cardiac Center, King Khaled Eye Specialist Hospital and Al-Hasa Hospital.
Expatriate Insurance Saudi Arabia Needs Chart (1 to 10 with 10 being a critical need) Looks at the need for expatriate insurance vs. what can be obtained in the local market or what many not even be needed for an expatriate assignment in Saudi Arabia.
| Expatriate Medical Insurance in Saudi Arabia a necessity? | 9 |
| International Medical Evacuation in Saudi Arabia (with assistance) | 5 |
| Expatriate Life Insurance in Saudi Arabia | 9 |
| Expatriate Disability Insurance in Saudi Arabia | 9 |
| Cross Cultural Training in Saudi Arabia for U.S. expats | 9 |
| International EAP in Saudi Arabia for U.S. expats in Saudi Arabia | 8 |
| International Workers Compensation Insurance Saudi Arabia | 9 |
| Expatriate Property Insurance in Saudi Arabia | 9 |
| Expatriate Liability Insurance in the Kingdom of Saudi Arabia | 7 |
| Kidnap and Ransom Insurance Saudi Arabia | 9 |
| Emergency Security Planning / Evacuation Plan | 8 |
| Local Admitted Coverage Needed for Expatriates residing in Saudi Arabia | Yes |
| Place Saudi Arabia Nationals under an offshore or U.S. expat plan | No |
| Saudi Arabia health insurance works for local nationals of the Kingdom of Saudi Arabia in the United States | No |
| Repatriation of Remains Saudi Arabia for Expatriates (insurance to return remains) | 4 |
* note, alcohol is not permitted in the Kingdom of Saudi Arabia for any expatriates but a good degree of home brewing does occur in the expatriate compounds.
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