Tawuniya Cooperative Insurance Review, Offers, Rates & Alternatives
Tawuniya is one of Saudi Arabia's largest and oldest insurance companies, established in 1986 and listed on the Saudi Exchange (Tadawul). It operates on a cooperative (takaful-adjacent) model and offers a comprehensive range of insurance products: auto, home, family health, travel, life, domestic worker, visit visa and retirement insurance. Tawuniya is one of the leading providers of mandatory health insurance in the Kingdom, required for private-sector expatriate workers. Its digital platform allows online policy purchase and claims for many product types.
Live offers
- Tawuniya Visit Visa Insurance KSA
- Life Insurance
- Travel Main Package
- Life Plus Insurance
- Visit Visa - Health Insurance
| Provider | Tawuniya Cooperative Insurance Company |
|---|---|
| Country | Saudi Arabia |
| Established | 1986 |
| Provider type | Cooperative insurance — auto, health, life, travel, home, domestic worker |
| Best for | Comprehensive insurance from one of Saudi Arabia's most established insurers |
| Main trade-off | Premiums may vary; always compare with AlJazira Takaful, Salama and GIG on Giraffy |
| Alternatives | Al Rajhi Takaful, AlJazira Takaful, Salama, Allianz Saudi Fransi, GIG |
Best for
- Employers needing mandatory health insurance for private-sector expatriate staff
- Saudi residents who want auto, home and health insurance from one established insurer
- Families needing domestic worker and visit visa insurance
- Frequent international travellers wanting travel insurance from a local provider
Not ideal for
- Users who want strictly Islamic takaful products — Al Rajhi Takaful and Salama operate on purer takaful models
- Users who want the lowest premium above all else — always compare multiple providers on Giraffy
Tawuniya auto insurance
Tawuniya offers third-party liability (TPL) and comprehensive motor insurance, which is mandatory for all vehicles on Saudi roads.
- Third-party liability (TPL) meets Saudi regulatory minimum
- Comprehensive cover includes own-damage, theft and third-party
- Online quote and purchase available via Tawuniya app
- Wide garage network for claims settlement
Best for: Saudi residents who need motor insurance and want a widely recognised claims network.
Tawuniya family health insurance
Tawuniya is a major provider of group health insurance and individual family health plans in Saudi Arabia, including coverage for private-sector mandatory health insurance requirements.
- Covers outpatient and inpatient treatment
- Network of hospitals and clinics across Saudi Arabia
- Plans tailored for families and employees
- Online pre-authorisation for many treatments
Best for: Employers needing mandatory expatriate health cover, and Saudi families wanting supplemental private health plans.
Tawuniya family health plan tiers
Giraffy lists four Tawuniya family health tiers. All cover dental, optical, maternity and child vaccinations within KSA; the tiers differ by annual limit, room type and outpatient cover.
- Silver: SAR 30,000 annual max benefit, shared room up to SAR 350/day, outpatient covered up to SAR 75
- Gold: SAR 50,000 annual max benefit, shared room up to SAR 350/day, outpatient up to SAR 100
- Platinum: SAR 100,000 annual max benefit, private room up to SAR 600/day, outpatient up to SAR 150
- Diamond: SAR 250,000 annual max benefit, private room up to SAR 600/day, outpatient up to SAR 200
Best for: Families choosing a cover limit; pre-existing conditions are covered up to each tier's annual limit.
Tawuniya domestic worker insurance
Health cover for domestic workers, listed in Emergency and Extended plans with Basic (standard network) and Silver (premium network) options.
- Emergency plans: SAR 332 policy cost, SAR 100,000 annual coverage
- Extended plans: SAR 554 policy cost, SAR 100,000 annual coverage
- Pre-existing conditions, emergency, inpatient (shared room, ICU) and ambulance covered
- Emergency kidney dialysis covered up to SAR 50,000
Best for: Sponsors who need a priced health policy for a domestic worker.
Tawuniya visit visa health insurance
Health insurance for visitors to Saudi Arabia, listed at approximately SAR 180.
- Max medical coverage: SAR 100,000
- Emergency maternity and emergency dental covered up to SAR 5,000 each
- Repatriation, medical evacuation, emergency dialysis and road traffic accidents covered
Best for: Family visit visa applicants who need compliant medical cover.
Tawuniya mechanical breakdown insurance
Extended warranty-style cover for major mechanical and electrical parts on newer cars.
- Vehicles up to 5 years old and 100,000 km
- Deductible: SAR 100
- Covers engine, transmission, drive axle, AC and electrical systems
- Excludes wear-and-tear items (tyres, brakes, batteries), routine maintenance and accident damage
Best for: Owners of cars just out of manufacturer warranty.
Tawuniya Cooperative Insurance vs alternatives
Tawuniya Cooperative Insurance vs Al Rajhi Takaful
Islamic takaful insurance linked to Al Rajhi Bank's ecosystem. Tawuniya vs Al Rajhi Takaful: Both are major KSA insurers. Al Rajhi Takaful uses strict takaful (mutual) structures. Tawuniya is a cooperative insurer with a longer history and broader commercial lines.
Tawuniya Cooperative Insurance vs AlJazira Takaful
Takaful insurance from a bank-affiliated provider. Tawuniya vs AlJazira Takaful: AlJazira Takaful is the insurance arm of Bank Aljazira. Both offer auto, home and health insurance. Compare premiums for your specific cover needs.
Tawuniya Cooperative Insurance vs Allianz Saudi Fransi
International insurer with Allianz global backing. Tawuniya vs Allianz Saudi Fransi: Allianz Saudi Fransi has global Allianz reinsurance backing, which may suit international companies. Tawuniya is the largest locally-listed insurer.
Tawuniya Cooperative Insurance vs GIG
Gulf Insurance Group — regional insurer with health and life products. Tawuniya vs GIG: GIG operates across the Gulf with a strong health insurance product. Compare family health insurance premiums — Tawuniya is often selected by employers for group health policies.
Tawuniya Cooperative Insurance in Saudi Arabia — FAQ
Is Tawuniya the biggest insurance company in Saudi Arabia?
Tawuniya is one of the largest and most established insurance companies in Saudi Arabia, founded in 1986 and listed on the Saudi Exchange. It is among the top insurers by premium written.
Does Tawuniya offer online insurance?
Yes. Tawuniya offers online quote and purchase for auto, travel, domestic worker and health insurance through its website and app.
Is Tawuniya Sharia-compliant?
Tawuniya operates as a cooperative insurance company, which is broadly aligned with Islamic principles. For strictly takaful-structured products, Al Rajhi Takaful and AlJazira Takaful are alternatives.
What types of insurance does Tawuniya offer?
Tawuniya offers: auto insurance (TPL and comprehensive), family health insurance, life insurance, travel insurance, home insurance, domestic worker insurance, visit visa insurance and retirement insurance.
What car insurance does Tawuniya offer?
Giraffy lists two Tawuniya motor policies: Third Party (the legal minimum, with windscreen, collision and towing as optional add-ons) and Comprehensive (own damage plus third party, with driver injury as an optional add-on). Premiums depend on the driver and car, so get a quote and compare it with other insurers on the Saudi car insurance page.
How much is Tawuniya domestic worker insurance?
Giraffy lists Tawuniya's Emergency domestic worker plans at SAR 332 and Extended plans at SAR 554, each with SAR 100,000 annual coverage. Silver options use a premium hospital network; Basic options use the standard network.
What is the difference between Tawuniya family health tiers?
The annual maximum benefit: Silver SAR 30,000, Gold SAR 50,000, Platinum SAR 100,000 and Diamond SAR 250,000. Silver and Gold use a shared room up to SAR 350/day; Platinum and Diamond a private room up to SAR 600/day. All four cover dental, optical, maternity and child vaccinations within KSA.
Tawuniya Motor Insurance: Comprehensive Coverage for Every Drive
Tawuniya’s Motor Insurance offers plans from basic third-party liability to all-risk comprehensive cover. Customize your policy with roadside assistance, zero-deductible options, windscreen protection, and no-claim discounts. Purchase or renew online via the e-portal or mobile app, or visit any branch for instant digital issuance and direct-billing at approved service centers.
Why Choose Tawuniya for Motor Insurance?
- Tailored liability to all-risk plans
- Optional roadside assistance & zero-deductible cover
- Instant online quotes and digital issuance
- Direct billing at approved garages
- 24/7 bilingual claims support
Tawuniya Domestic Helper Insurance: Caring Protection for Your Staff
Tawuniya Domestic Helper Insurance covers medical treatment, accidents, emergency evacuation, and repatriation for live-in staff. Choose between Basic and Premium packages, set coverage limits, and add personal-liability extensions. Policies are issued instantly online or in-branch, with direct billing at leading hospitals and 24/7 multilingual assistance.
Why Choose Tawuniya for Domestic Helper Insurance?
- Shariah-compliant packages with clear terms
- Basic & Premium flexibility to suit budgets
- Direct billing with top medical networks
- Instant online or in-branch issuance
- 24/7 bilingual claims support
Tawuniya Home Insurance: Safeguard Your Sanctuary
Home Insurance from Tawuniya covers building, contents, and personal liability against fire, theft, water damage, and natural perils. Optional add-ons include valuables cover, alternative accommodation, and legal liability. Buy or renew online, via app, or in-branch, then access a nationwide repair network and 24/7 emergency assistance for total peace of mind.
Why Choose Tawuniya for Home Insurance?
- Comprehensive building & contents protection
- Coverage against fire, theft & floods
- Add-ons for valuables & alternative housing
- Quick online or in-branch purchase & renewal
- 24/7 emergency assistance & repair network
Tawuniya Family Health Insurance: Comprehensive Care for Your Loved Ones
Tawuniya Family Health Insurance provides in-patient, out-patient, maternity, dental, and optical coverage through a wide network of hospitals and clinics. Plans offer tiered benefits, no-co-pay options, and direct-billing for hassle-free access to care. Enroll online or in-branch, and manage claims via the mobile app or call center anytime.
Why Choose Tawuniya for Family Health Insurance?
- Broad in-patient & out-patient coverage
- Maternity, dental & optical benefits
- No-co-pay options for select plans
- Direct billing at network providers
- 24/7 digital claims management
Tawuniya Life Insurance: Protect and Provide for Tomorrow
Tawuniya Life Insurance offers term and whole-life Takaful plans with death, total permanent disability, and critical illness benefits. Flexible contributions, savings components, and waiver-of-contribution features build financial security. Apply via app, web, or branch, and receive tailored advisory, policy tracking, and bilingual support throughout your life journey.
Why Choose Tawuniya for Life Insurance?
- Shariah-compliant term & whole-life plans
- Death, disability & critical illness cover
- Flexible contributions with savings growth
- Waiver of contributions on covered events
- Personalized advisory & policy tracking
Tawuniya Mechanical Breakdown Insurance: Peace of Mind for Your Vehicle
Mechanical Breakdown Insurance covers unexpected failures of engine, transmission, electrical, and drivetrain components beyond standard warranties. Plans offer tiered coverage, emergency towing, and 24/7 roadside assistance. Purchase online or in-branch for older or high-mileage vehicles and drive worry-free.
Why Choose Tawuniya for Mechanical Breakdown Insurance?
- Coverage beyond factory warranties
- Tiered protection for all vehicle types
- Emergency towing & 24/7 roadside assistance
- Flexible terms for older/high-mileage cars
- Instant issuance online or in-branch
Tawuniya Retirement Insurance: Secure Your Golden Years
Plan for retirement with unit-linked savings and guaranteed income solutions. Choose contribution levels and fund allocations online or in-branch, track your portfolio via the mobile app, and adjust your strategy with expert guidance to meet evolving needs and secure lifelong income.
Why Choose Tawuniya for Retirement Insurance?
- Unit-linked savings with growth potential
- Guaranteed lifetime income options
- Flexible contributions & fund choices
- Mobile tracking & online adjustments
- Expert advisory for evolving needs
Tawuniya Travel Insurance: Adventure with Assurance
Choose single-trip or annual multi-trip plans covering emergency medical, evacuation, repatriation, trip cancellation, baggage loss, and personal liability. Add adventure-sport or cancel-for-any-reason options to protect every itinerary. Purchase instantly online or via app and access global assistance lines 24/7.
Why Choose Tawuniya for Travel Insurance?
- Flexible single & multi-trip options
- Broad medical & evacuation coverage
- Trip cancellation & baggage protection
- 24/7 global assistance hotlines
- Adventure sports & cancel-for-any-reason add-ons
Tawuniya Visit Visa Insurance: Essential Guest Protection
Short-term single-entry and multiple-entry plans cover visitors with emergency medical, evacuation, repatriation, baggage loss, and trip interruption benefits. Issue policies instantly online or in-branch, define stay duration, and enjoy direct billing to hospitals plus bilingual support throughout their visit.
Why Choose Tawuniya for Visit Visa Insurance?
- Single & multiple entry short-term plans
- Emergency medical & evacuation cover
- Baggage loss & trip interruption protection
- Instant online or in-branch issuance
- Direct hospital billing & bilingual support