Medical Health Insurance for Saudi Family in Saudi Arabia

Bupa Family puts your family’s health needs first. Designed to offer a wide selection of coverage plans, our all-new health insurance product for Saudi families ranges from premium coverage with differentiated services, to wide hospital access at reasonable prices. Enjoy peace of mind today and select the plan that is right for you and your family.

A quick look at the benefits:

A variety of health insurance plans.
Access to the best hospitals and clinics across the kingdom.
Specialized care inside and outside hospitals with our Tebtom and Rahatkom programs.

Who can get Bupa Family?

The head of a household can apply for Bupa Ae’elat for all family members in the same Family Card. All members in the Card must be covered.

The conditions in which members could be excluded from the family coverage are if a family member:

Has an active insurance policy with Bupa or any other company.
Is living abroad.
Is married or a male dependent above the age of 25.

New customer? Buy now

Existing customer? Renew now

Overall Annual Maximum Limit per Member	SAR 250,000
Network of Healthcare Providers	NW7+ (with IMC)
Accommodation	Standard Suite
Outpatient Deductible	NIL
Deductible Rate	NIL
Maximum Deductible (Hospital)
Maximum Deductible (Polyclinic)
Maximum Deductible (MPN)
Emergency treatment outside the kingdom	100% cover on the first SR 50,000 subject to scheme limits and sub-limits. Any cost over this amount will be based on the customary prices of network hospitals according to the member’s scheme level.
Maternity Cover with Benefits	SAR 25,000
Dental Coverage	SAR 3,000
Optical Coverage	SAR 1,000
Seniors over 64-year-old annual limit	SAR 250,000
Inpatient / Day-Case Coverage	Covered
Companion Charges	Covered until 12 years old
Outpatient coverage	Covered
Outpatient coverage	Covered
Inpatient Deductible	NIL
Outpatient Coverage	Covered
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages)	SAR 25,000
Treatment of premature babies	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Covered
Neonatal/ Newborn cover	Not covered until added optionally in the policy
Pre-existing Conditions and Chronic Diseases	Covered
Hearing aids	Not Covered
Treatment for damage to acquired heart valves	Covered
Vaccinations and Inoculations as per the Ministry of Health (MOH) Schedule	Covered
Seasonal vaccination including mother and child care as per MOH program and schedule
Physiotherapy	12 Sessions when medically necessary and covered procedures
Cost of early screening for new-borns (National Program for Prevention of Disability)
Alzheimer’s Disease	Not Covered
Autism	Not Covered
Congenital illness	Not Covered
Dialysis	Not Covered
Mental health acute psychiatric treatment	Not Covered
Physiotherapy	Not Covered
Disability cases	Not Covered
Treatment for damage to acquired heart valves	Not Covered
Artificial limbs	Not Covered
Cost of obtaining/harvesting donor organ	Not Covered
Local Road Ambulance for Emergency Cases Only	SAR 3,000
Transportation of Mortal Remains to Home Country in Case of Death in KSA	Not Covered
Life-threatening emergency treatment out of network in KSA	100% cover on the first SR 50,000 subject to scheme limits and sub-limits. Any cost over this amount will be based on the customary prices of network hospitals according to the member’s scheme level
Physician’s fees within the network	Covered
Emergency treatment outside the kingdom through International SOS Assistance	Covered
Emergency Evacuations through International SOS Assistance	Covered
Emergency treatment outside the kingdom
Emergency Treatment Outside of Network in KSA	100% cover on the first SR 50,000 subject to scheme limits and sub-limits. Any cost over this amount will be based on the customary prices of network hospitals according to the member’s scheme level
Elective (Non-Emergency) Treatment Outside of Network in KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices
Physiotherapy	12 Sessions when medically necessary and for covered procedures
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Covered
Preventative tests
Inpatient Pre-authorization Approval	Pre-authorization required above 1,000 SAR
Inpatient / day-case coverage	Covered
Outpatient Pre-authorization Approval	Pre-authorization required above 1,000 SAR
Advanced Imaging (MRI, CT, PET)	Pre-authorization Required
Cancer treatment
Emergency treatment at a healthcare provider outside the Bupa network
Healthline Services	Available
Local air ambulance for emergency cases only
Emergency medical treatment in the US	Not Covered
Mental health acute psychiatric treatment	Not Covered
Mental health non-acute psychiatric treatment	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices
Physiotherapy	12 Sessions when medically necessary and to covered procedures
Pre-existing Conditions and Chronic Diseases	Covered
Cost of early screening for new-borns (National Program for Prevention of Disability)
Circumcision of new-born boys and ear piercing of new-born girls	Covered
Circumcision of new-born boys and ear piercing of new-born girls	Covered
Transplant of organ or bone marrow	Not Covered
Treatment for contagious or endemic diseases
Vaccinations and inoculations (up till age 6)	Covered
Vaccinations and inoculations (after age 6)	Covered
Coverage
Respiratory syncytial virus (RSV) prophylaxis
New born screening hearing test	Not Covered
New born congenital heart anomalies screening	Not Covered
Obesity	Not Covered
Artificial Milk & milk products	Not Covered
#ResourceNotFound#:ECommerceResources:Isolation
Medication Benefit	Covered
I/P Deductible	Covered
SOS	Covered

Overall Annual Maximum Limit per Member	SAR 150,000
Network of Healthcare Providers	NW6
Accommodation	Single Room
Outpatient Deductible	20% up to 100 SAR
Deductible Rate	20% up to 100 SAR
Maximum Deductible (Hospital)
Maximum Deductible (Polyclinic)
Maximum Deductible (MPN)
Emergency treatment outside the kingdom	Not Covered
Maternity Cover with Benefits	SAR 15,000
Dental Coverage	SAR 2,000
Optical Coverage	SAR 600
Seniors over 64-year-old annual limit	SAR 150,000
Inpatient / Day-Case Coverage	Covered
Companion Charges	Covered up to 12 years old
Outpatient coverage	Covered
Outpatient coverage	Covered
Inpatient Deductible	NIL
Outpatient Coverage	Covered
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages)	SAR 15,000
Treatment of premature babies	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Covered
Neonatal/ Newborn cover	Not covered until newborn added optionally in the policy
Pre-existing Conditions and Chronic Diseases	Covered
Hearing aids	Not Covered
Treatment for damage to acquired heart valves	Not Covered
Vaccinations and Inoculations as per the Ministry of Health (MOH) Schedule	Covered
Seasonal vaccination including mother and child care as per MOH program and schedule
Physiotherapy	12 Sessions when medically necessary for covered procedures
Cost of early screening for new-borns (National Program for Prevention of Disability)
Alzheimer’s Disease	Not Covered
Autism	Not Covered
Congenital illness	Not Covered
Dialysis	Not Covered
Mental health acute psychiatric treatment	Not Covered
Physiotherapy	Not Covered
Disability cases	Not Covered
Treatment for damage to acquired heart valves
Artificial limbs	Not Covered
Cost of obtaining/harvesting donor organ	Not Covered
Local Road Ambulance for Emergency Cases Only	SAR 1,000
Transportation of Mortal Remains to Home Country in Case of Death in KSA	SAR 1,000
Life-threatening emergency treatment out of network in KSA	100% cover on the first SR 50,000 subject to scheme limits and sub-limits. Any cost over this amount will be based on the customary prices of network hospitals according to the member’s scheme level
Physician’s fees within the network	Covered
Emergency treatment outside the kingdom through International SOS Assistance	Covered
Emergency Evacuations through International SOS Assistance	Covered
Emergency treatment outside the kingdom
Emergency Treatment Outside of Network in KSA	Covered 100% of the actual cost up to the annual maximum limit
Elective (Non-Emergency) Treatment Outside of Network in KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices
Physiotherapy	12 Sessions when medically necessary for covered procedures
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Covered
Preventative tests
Inpatient Pre-authorization Approval	Pre-authorization required above 1,000 SAR
Inpatient / day-case coverage	Covered
Outpatient Pre-authorization Approval	Pre-authorization required above 1,000 SAR
Advanced Imaging (MRI, CT, PET)	Pre-authorization Required
Cancer treatment
Emergency treatment at a healthcare provider outside the Bupa network	100% cover on the first SR 50,000 subject to scheme limits and sub-limits. Any cost over this amount will be based on the customary prices of network hospitals according to the member’s scheme level
Healthline Services	Available
Local air ambulance for emergency cases only
Emergency medical treatment in the US	Not Covered
Mental health acute psychiatric treatment	Not Covered
Mental health non-acute psychiatric treatment	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices
Physiotherapy	12 Sessions when medically necessary for covered procedures
Pre-existing Conditions and Chronic Diseases	Covered
Cost of early screening for new-borns (National Program for Prevention of Disability)
Circumcision of new-born boys and ear piercing of new-born girls	Covered
Circumcision of new-born boys and ear piercing of new-born girls	Covered
Transplant of organ or bone marrow	Not Covered
Treatment for contagious or endemic diseases
Vaccinations and inoculations (up till age 6)	Covered
Vaccinations and inoculations (after age 6)	Not Covered
Coverage
Respiratory syncytial virus (RSV) prophylaxis	Not Covered
New born screening hearing test	Not Covered
New born congenital heart anomalies screening	Not Covered
Obesity	Not Covered
Artificial Milk & milk products	Not Covered
#ResourceNotFound#:ECommerceResources:Isolation
Medication Benefit	Covered
I/P Deductible	Covered
SOS	Covered

Overall Annual Maximum Limit per Member	SAR 500,000
Network of Healthcare Providers	NW7
Accommodation	Suite
Outpatient Deductible	25% with no limit
Deductible Rate	25% with no limit
Maximum Deductible (Hospital)	25% with no limit
Maximum Deductible (Polyclinic)	25% with no limit
Maximum Deductible (MPN)	25% with no limit
Emergency treatment outside the kingdom	Not Covered
Maternity Cover with Benefits	SAR 20,000
Dental Coverage	SAR 2,000
Optical Coverage	Not Covered
Seniors over 64-year-old annual limit	SAR 500,000
Inpatient / Day-Case Coverage	Covered
Companion Charges	Not Covered
Outpatient coverage	Covered, 25% with no limit
Outpatient coverage	Covered
Inpatient Deductible	25% with no limit
Outpatient Coverage	Covered
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages)	SAR 20,000
Treatment of premature babies	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Neonatal/ Newborn cover	Not covered until added optionally in the policy
Pre-existing Conditions and Chronic Diseases	Covered, subject to IP/OP co-pay and Medication sub-limit
Hearing aids	Not Covered
Treatment for damage to acquired heart valves	Not Covered
Vaccinations and Inoculations as per the Ministry of Health (MOH) Schedule	Covered
Seasonal vaccination including mother and child care as per MOH program and schedule
Physiotherapy	12 Sessions when medically necessary and covered procedure
Cost of early screening for new-borns (National Program for Prevention of Disability)	Not Covered
Alzheimer’s Disease	Not Covered
Autism	Not Covered
Congenital illness	Not Covered
Dialysis	Not Covered
Mental health acute psychiatric treatment	Not Covered
Physiotherapy	Not Covered
Disability cases	Not Covered
Treatment for damage to acquired heart valves
Artificial limbs	Not Covered
Cost of obtaining/harvesting donor organ	Not Covered
Local Road Ambulance for Emergency Cases Only	Not Covered
Transportation of Mortal Remains to Home Country in Case of Death in KSA	Not Covered
Life-threatening emergency treatment out of network in KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices
Physician’s fees within the network	Covered
Emergency treatment outside the kingdom through International SOS Assistance	Not Covered
Emergency Evacuations through International SOS Assistance	Not Covered
Emergency treatment outside the kingdom
Emergency Treatment Outside of Network in KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices
Elective (Non-Emergency) Treatment Outside of Network in KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices
Physiotherapy	12 Sessions when medically necessary and covered procedure
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Covered
Preventative tests
Inpatient Pre-authorization Approval	Pre-authorization required above 1,000 SAR
Inpatient / day-case coverage	Covered
Outpatient Pre-authorization Approval	Pre-authorization required above 1,000 SAR
Advanced Imaging (MRI, CT, PET)	Pre-authorization Required
Cancer treatment
Emergency treatment at a healthcare provider outside the Bupa network	Covered from the maximum annual benefit limit based on the network benchmarked prices
Healthline Services	Available
Local air ambulance for emergency cases only
Emergency medical treatment in the US
Mental health acute psychiatric treatment	Not Covered
Mental health non-acute psychiatric treatment	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices within the Kingdom
Physiotherapy	12 Sessions when medically necessary and covered procedure
Pre-existing Conditions and Chronic Diseases	Covered, subject to IP/OP co-pay and Medication sub-limit
Cost of early screening for new-borns (National Program for Prevention of Disability)	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Transplant of organ or bone marrow	Not Covered
Treatment for contagious or endemic diseases	Not Covered
Vaccinations and inoculations (up till age 6)	Covered
Vaccinations and inoculations (after age 6)	Covered
Coverage
Respiratory syncytial virus (RSV) prophylaxis	Covered, 25% with no limit
New born screening hearing test	Covered, 25% with no limit
New born congenital heart anomalies screening	Covered, 25% with no limit
Obesity	Covered, 25% with no limit
Artificial Milk & milk products	Covered, 25% with no limit
#ResourceNotFound#:ECommerceResources:Isolation
Medication Benefit	6,000 SAR
I/P Deductible	25% with no CAP
SOS	Not Covered

Overall Annual Maximum Limit per Member	SAR 250,000
Network of Healthcare Providers	NW6
Accommodation	Single Room
Outpatient Deductible	25% with no limit
Deductible Rate	25% with no limit
Maximum Deductible (Hospital)	25% with no limit
Maximum Deductible (Polyclinic)	25% with no limit
Maximum Deductible (MPN)	25% with no limit
Emergency treatment outside the kingdom	Not Covered
Maternity Cover with Benefits	SAR 15,000
Dental Coverage	SAR 1,500
Optical Coverage	Not Covered
Seniors over 64-year-old annual limit	SAR 250,000
Inpatient / Day-Case Coverage	Covered
Companion Charges	Not Covered
Outpatient coverage	Covered, 25% with no limit
Outpatient coverage	Covered
Inpatient Deductible	25% with no limit
Outpatient Coverage	Covered
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages)	SAR 15,000
Treatment of premature babies	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Neonatal/ Newborn cover	Not covered until added optionally in the policy
Pre-existing Conditions and Chronic Diseases	Covered, with IP/OP co-pay and Medication sub-limit
Hearing aids	Covered
Treatment for damage to acquired heart valves
Vaccinations and Inoculations as per the Ministry of Health (MOH) Schedule	Covered
Seasonal vaccination including mother and child care as per MOH program and schedule
Physiotherapy	12 Sessions for covered procedures
Cost of early screening for new-borns (National Program for Prevention of Disability)	Not Covered
Alzheimer’s Disease	Not Covered
Autism	Not Covered
Congenital illness	Not Covered
Dialysis	Not Covered
Mental health acute psychiatric treatment	Not Covered
Physiotherapy	Not Covered
Disability cases	Not Covered
Treatment for damage to acquired heart valves
Artificial limbs	Not Covered
Cost of obtaining/harvesting donor organ	Not Covered
Local Road Ambulance for Emergency Cases Only	Not Covered
Transportation of Mortal Remains to Home Country in Case of Death in KSA	Not Covered
Life-threatening emergency treatment out of network in KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices
Physician’s fees within the network	Covered
Emergency treatment outside the kingdom through International SOS Assistance	Not Covered
Emergency Evacuations through International SOS Assistance	Not Covered
Emergency treatment outside the kingdom
Emergency Treatment Outside of Network in KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices
Elective (Non-Emergency) Treatment Outside of Network in KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices
Physiotherapy	12 Sessions when medically necessary for covered procedures
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Covered
Preventative tests
Inpatient Pre-authorization Approval	Pre-authorization required above 1,000 SAR
Inpatient / day-case coverage	Covered
Outpatient Pre-authorization Approval	Pre-authorization required above 1,000 SAR
Advanced Imaging (MRI, CT, PET)	Pre-authorization Required
Cancer treatment
Emergency treatment at a healthcare provider outside the Bupa network	Covered from the maximum annual benefit limit based on the network benchmarked prices
Healthline Services	Available
Local air ambulance for emergency cases only
Emergency medical treatment in the US
Mental health acute psychiatric treatment	Not Covered
Mental health non-acute psychiatric treatment	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices
Physiotherapy	12 Sessions for covered procedures
Pre-existing Conditions and Chronic Diseases	Covered, subject to IP/OP co-pay and Medication sub-limit
Cost of early screening for new-borns (National Program for Prevention of Disability)	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Transplant of organ or bone marrow	Not Covered
Treatment for contagious or endemic diseases	Not Covered
Vaccinations and inoculations (up till age 6)	Covered
Vaccinations and inoculations (after age 6)	Not Covered
Coverage
Respiratory syncytial virus (RSV) prophylaxis	Not Covered
New born screening hearing test	Not Covered
New born congenital heart anomalies screening	Not Covered
Obesity	Not Covered
Artificial Milk & milk products	Not Covered
#ResourceNotFound#:ECommerceResources:Isolation
Medication Benefit	5,000 SAR
I/P Deductible	25% with no CAP
SOS	Not Covered

Overall Annual Maximum Limit per Member	SAR 150,000
Network of Healthcare Providers	NW4
Accommodation	Single Room
Outpatient Deductible	20% with no limit
Deductible Rate	20% with no limit
Maximum Deductible (Hospital)	20% with no limit
Maximum Deductible (Polyclinic)	20% with no limit
Maximum Deductible (MPN)	20% with no limit
Emergency treatment outside the kingdom
Maternity Cover with Benefits	SAR 10,000
Dental Coverage	SAR 1,000
Optical Coverage	Not Covered
Seniors over 64-year-old annual limit	SAR 150,000
Inpatient / Day-Case Coverage	Covered
Companion Charges	Not Covered
Outpatient coverage
Outpatient coverage	Covered
Inpatient Deductible	20% no Limit
Outpatient Coverage	Covered
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages)	SAR 10,000
Treatment of premature babies	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Neonatal/ Newborn cover	Not covered until newborn added optionally in the policy
Pre-existing Conditions and Chronic Diseases	Covered, with IP/OP co-pay and Medication sub-limit
Hearing aids	Not Covered
Treatment for damage to acquired heart valves
Vaccinations and Inoculations as per the Ministry of Health (MOH) Schedule	Covered
Seasonal vaccination including mother and child care as per MOH program and schedule
Physiotherapy	12 Sessions for covered procedures
Cost of early screening for new-borns (National Program for Prevention of Disability)	Not Covered
Alzheimer’s Disease	Not Covered
Autism	Not Covered
Congenital illness	Not Covered
Dialysis	Not Covered
Mental health acute psychiatric treatment	Not Covered
Physiotherapy	Not Covered
Disability cases	Not Covered
Treatment for damage to acquired heart valves
Artificial limbs	Not Covered
Cost of obtaining/harvesting donor organ	Not Covered
Local Road Ambulance for Emergency Cases Only	Not Covered
Transportation of Mortal Remains to Home Country in Case of Death in KSA	Not Covered
Life-threatening emergency treatment out of network in KSA	Covered from the maximum annual benefit limit based on the network benchmarked prices
Physician’s fees within the network	Covered
Emergency treatment outside the kingdom through International SOS Assistance	Not Covered
Emergency Evacuations through International SOS Assistance	Not Covered
Emergency treatment outside the kingdom
Emergency Treatment Outside of Network in KSA	Not Covered
Elective (Non-Emergency) Treatment Outside of Network in KSA	Not Covered
Physiotherapy	12 Sessions when medically necessary for covered procedures
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Covered
Preventative tests
Inpatient Pre-authorization Approval	Pre-authorization required above 1,000 SAR
Inpatient / day-case coverage	Covered
Outpatient Pre-authorization Approval	Pre-authorization required above 1,000 SAR
Advanced Imaging (MRI, CT, PET)	Pre-authorization Required
Cancer treatment
Emergency treatment at a healthcare provider outside the Bupa network	Not Covered
Healthline Services	Available
Local air ambulance for emergency cases only
Emergency medical treatment in the US
Mental health acute psychiatric treatment	Not Covered
Mental health non-acute psychiatric treatment	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Not Covered
Physiotherapy	12 Sessions for covered procedures
Pre-existing Conditions and Chronic Diseases
Cost of early screening for new-borns (National Program for Prevention of Disability)	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Transplant of organ or bone marrow	Not Covered
Treatment for contagious or endemic diseases	Not Covered
Vaccinations and inoculations (up till age 6)	Covered
Vaccinations and inoculations (after age 6)	Not Covered
Coverage
Respiratory syncytial virus (RSV) prophylaxis	Not Covered
New born screening hearing test	Not Covered
New born congenital heart anomalies screening	Not Covered
Obesity	Not Covered
Artificial Milk & milk products	Not Covered
#ResourceNotFound#:ECommerceResources:Isolation
Medication Benefit	4,000 SAR
I/P Deductible	20% with no CAP
SOS	Not Covered

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This is an estimate price and it might change based on the correct information and medical declaration provided upon submitting the order

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You might ask

How will the cost of my policy be calculated?

The cost of your Aa’elat Al Saudia policy will be based on the number of family members you would like to include, their respective age, and pre-existing medical conditions they have, if any.

Can I also include my parents under Aa’elat Al Saudia?

Aa’elat Al Saudia gives you the option to include your parents to your policy.

Who is covered under Aa’elat Al Saudia?

All your direct family members, can get covered by Aa’elat Al Saudia.

What does the overall annual maximum limit mean?

This is the maximum cost of treatments that Bupa Arabia will cover you for, during a single contractual period of one year, individually and for each member of your family.