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Health insurance in Saudi Arabia is governed by strict laws and regulations, led by the Saudi Council of Cooperative Health Insurance (CCHI). Mandatory health insurance for expatriates was established in Jeddah and across Saudi Arabia. Employers are obligated to provide health insurance for their expatriate employees and their dependants. The law also encourages Saudi citizens to voluntarily enroll in private health insurance programs.
If you are an employee facing issues concerning your health insurance provided by your employer, a lawyer with expertise in health insurance law can provide guidance and legal counsel. You may need a lawyer to help understand the complex terms and conditions of health insurance policies, or to navigate disputes over unpaid medical bills, coverage denial, policy cancellations, or issues relating to insurances fraud. Lawyers can also help providers with issues related to health insurance claims and reimbursement.
In Jeddah, as per Saudi Arabia's cooperative health insurance law, all private employers should provide health insurance coverage for their employees. The insurance should cover approved medical treatments, maternity care, emergencies and hospitalization. Employers who fail to provide health insurance can face penalties, including fines and suspension of work licenses.
Insurance coverage is determined by the health insurance policy. The insurer and the insured party agree upon the policy. The scope of coverage is based on the CCHI unified cooperative health insurance policy.
The CCHI supervises and regulates health insurance implementation in Saudi Arabia. It is responsible for setting rules, regulations and supervising health insurance providers to ensure compliance with the law.
An employer cannot cancel an employee's health insurance during the contract period, except under certain conditions like termination of employment.
The sponsor (typically the employer or the head of the household) is obligated to provide health insurance for their dependents and domestic workers.
If your health insurance claim is denied, you have the right to appeal the decision. You may need legal assistance in navigating this process.
The Saudi Council of Cooperative Health Insurance (CCHI) is the official body governing health insurance in Saudi Arabia. The CCHI's website provides valuable insights and resources relating to health insurance laws and policies.
If you need legal assistance with a health insurance issue, it is recommended to consult with a lawyer who specializes in health insurance law. They can guide you on understanding the terms of your policy, handling disputes, filing an appeal for a denied claim, or resolving other legal issues linked to health insurance.
