Compare family-wide deductibles versus per-member deductibles, and check whether the policy covers newborns and adopted children from birth without a waiting period.
Compare the top 11 Saudi family health insurance providers, with premiums from 1300 /year. Data current as of 22 October 2026 and updated daily from the Giraffy database.
16 live offers compared from 11 providers, from SAR 1300 /year. Updated daily.
SAR 1300 /year
Gulf General Health KSA is a Family Health Insurance offer from Gulf General Insurance in Saudi Arabia. Listed at SAR 1300 /year. Key details — Annual Max Benefit: SAR 100,000; Dental: Excluded; Optical: Excluded; Maternity: Limited.
SAR 1300 /year
Wataniya Health Plan KSA is a Family Health Insurance offer from Wataniya Insurance Company in Saudi Arabia. Listed at SAR 1300 /year. Key details — Annual Max Benefit: SAR 100,000; Dental: Excluded; Optical: Excluded; Maternity: Limited.
SAR 1400 /year
Liva Family Health KSA is a Family Health Insurance offer from Liva Insurance in Saudi Arabia. Listed at SAR 1400 /year. Key details — Annual Max Benefit: SAR 125,000; Dental: Excluded; Optical: Limited; Maternity: Limited.
SAR 1500 /year
Buruj Family Health KSA is a Family Health Insurance offer from Buruj Cooperative Insurance in Saudi Arabia. Listed at SAR 1500 /year. Key details — Annual Max Benefit: SAR 150,000; Dental: Excluded; Optical: Limited; Maternity: Limited.
SAR 1500 /year
Malath Family Health KSA is a Family Health Insurance offer from Malath Insurance in Saudi Arabia. Listed at SAR 1500 /year. Key details — Annual Max Benefit: SAR 150,000; Dental: Excluded; Optical: Limited; Maternity: Limited.
SAR 1600 /year
Arabian Shield Health KSA is a family health insurance offer from Arabian Shield Cooperative Insurance in Saudi Arabia. Key details — Annual Max Benefit: SAR 175,000; Dental: Excluded; Optical: Limited; Maternity: Limited.
SAR 1700 /year
Walaa Family Health KSA is a Family Health Insurance offer from Walaa Cooperative Insurance Co. in Saudi Arabia. Listed at SAR 1700 /year. Key details — Annual Max Benefit: SAR 180,000; Dental: Limited; Optical: Limited; Maternity: Included.
SAR 1800 /year
Tawuniya Health Plan A KSA is a Family Health Insurance offer from Tawuniya Cooperative Insurance in Saudi Arabia. Listed at SAR 1800 /year. Key details — Annual Max Benefit: SAR 200,000; Dental: Limited; Optical: Limited; Maternity: Included.
SAR 2000 /year
GIG Family Health KSA is a family health insurance offer from Gulf Insurance Group (GIG) in Saudi Arabia. Key details — Annual Max Benefit: SAR 250,000; Dental: Limited; Optical: Limited; Maternity: Included.
SAR 2000 /year
Bupa Arabia Classic Health KSA is a Family Health Insurance offer from Bupa Arabia in Saudi Arabia. Listed at SAR 2000 /year. Key details — Annual Max Benefit: SAR 250,000; Dental: Limited; Optical: Limited; Maternity: Included.
SAR 3500 /year
Allianz Comprehensive Health KSA is a family health insurance offer from Allianz Saudi Fransi in Saudi Arabia. Key details — Annual Max Benefit: SAR 1,000,000; Dental: Included; Optical: Included; Maternity: Included.
SAR 4500 /year
Bupa Arabia Premium Health KSA is a Family Health Insurance offer from Bupa Arabia in Saudi Arabia. Listed at SAR 4500 /year. Key details — Annual Max Benefit: SAR 2,000,000; Dental: Included; Optical: Included; Maternity: Included.
Price on request
Silver: Annual Max Benefit 30,000 SAR; Dental Covered; Optical Covered; Maternity Covered.
Price on request
Diamond: Annual Max Benefit 250,000 SAR; Dental Covered; Optical Covered; Maternity Covered.
Price on request
Platinum: Annual Max Benefit 100,000 SAR; Dental Covered; Optical Covered; Maternity Covered.
Price on request
Family health insurance covers medical costs, from consultations and medication to hospital treatment, for you and your dependants. In the Kingdom, private medical cover is central to healthcare access: employers must provide it for private-sector staff and their families, and it is required for many residency and visa purposes. Cover is delivered through the cooperative (takaful) model and gives access to a network of approved hospitals and clinics.
Health insurance is now regulated by the Insurance Authority (IA), which took over supervision from the Council of Health Insurance and the Saudi Central Bank as insurance powers were consolidated in 2023 and 2024. Policies are built around standardised benefit tiers and approved provider networks, with cover typically arranged by employers for staff and dependants, or purchased directly by individuals and families where needed. The requirement to insure dependants means many expatriate families rely on these policies for all their routine and hospital care, and the choice of benefit tier directly shapes which hospitals, room types and treatments they can access. Standardised essential benefits set a floor, above which employers and individuals can buy richer cover.
Family cover — One policy can protect a spouse and children under a single plan.
Network access — Cashless treatment at approved hospitals and clinics across the Kingdom.
Compliance — Meets mandatory cover requirements for employees, dependants and many visas.
Tiered benefits — Plans range from essential to comprehensive to match needs and budget.
Match the benefit tier to your familys needs: annual cover limit, room type, maternity, dental and optical, chronic-condition cover and outpatient limits all vary. Check the hospital and clinic network to ensure your preferred providers are included, and review co-payments, deductibles and geographic scope. Confirm waiting periods for maternity or pre-existing conditions. The right plan balances the annual contribution against the benefits your family will actually use.
Bupa Arabia and Tawuniya are the two largest health insurers in the Kingdom, with extensive provider networks. Medgulf, Liva Insurance, Wataniya, Allianz Saudi Fransi, ALETIHAD and Walaa also offer family medical cover across a range of tiers. All operate under IA supervision. Giraffy tracks live family health plans across these providers so you can compare benefits and contributions.
Annual contributions on Giraffy range widely, from about SAR 1,300 to SAR 4,500, reflecting the difference between essential and comprehensive family cover. Your price depends on the number and ages of those insured, the benefit tier, the network, maternity inclusion and co-payment levels. Higher limits and richer networks cost more. Compare plans on the benefits your family needs rather than premium alone.
The Insurance Authority licenses insurers, approves benefit structures, and oversees claims and consumer protection, while mandatory cover rules ensure employees and dependants are insured. Standardised policy terms and approved networks make benefits transparent. Accurate disclosure of medical history at enrolment keeps claims valid, and IA rules govern limits, exclusions and waiting periods. Understanding your co-payment and which network your plan uses before you need treatment helps avoid surprises at the clinic or hospital counter.
Is health insurance mandatory? Employers must cover private-sector staff and their dependants, and cover is required for many visas and residency purposes.
Can I add my family to one policy? Yes. Family plans cover a spouse and children under a single policy.
What if I change employer? Employer cover usually ends when you leave, so check continuity of treatment and any waiting periods when moving to a new employers plan or an individual policy.
Is it Sharia-compliant? Yes. It uses the cooperative takaful model regulated by the Insurance Authority.
The cheapest Family Health Insurance in Saudi Arabia is SAR 1300 /year from Gulf General Insurance.
Giraffy tracks 16 family health plans from 11 insurers in Saudi Arabia. Listed prices start from SAR 1300 /year. The price depends on how many family members you cover and their ages, the network class and the annual benefit limit, so compare quotes for the whole family on the same class.
Private-sector employers must provide cooperative health insurance for the employee and their registered dependants (spouse and children). Check which network class your family is on and whether it matches yours; upgrading the class, or covering family members who are not included, is done through your employer or with an individual policy.
Add your baby as a dependant on your own or your employer's policy soon after birth so cover continues without a gap, and ask the insurer how long a newborn is covered under the mother's policy before registration.
Check cover for vaccinations, paediatric and dental visits, whether network hospitals and clinics are close to your home and your children's school, the co-payment per visit, and the annual benefit limit per person.
Parents on a family visit visa need visit visa insurance — compare those policies on Giraffy's visit visa insurance page. Parents living with you as residents need a policy of their own, because employer schemes usually cover only a spouse and children. Premiums rise with age, so compare several insurers.
The class (for example VIP, A, B or C) sets which hospitals and clinics you can use and some benefit limits. Higher classes include a wider network and cost more; class names and networks differ between insurers.