Employee Insurance In Saudi Arabia
Employee insurance is not just a legal requirement in Saudi Arabia — it is also a sign of professionalism and care towards your workforce. Every employer is obligated to provide valid medical insurance to its employees under the Cooperative Health Insurance Council (CCHI) regulations. MHK Services offers complete employee insurance services in Saudi Arabia, ensuring compliance, affordability, and full coverage for your team.
Why Employee Insurance Is Mandatory In Saudi Arabia With MHK Services
In Saudi Arabia, employers must register all employees (including expatriates and Saudi nationals) under a recognized health insurance provider before issuing or renewing residency permits (Iqama). Delays or gaps in coverage can result in blocked visas, legal issues, and financial penalties.
MHK Services makes this process easy by handling insurer selection, CCHI registration, documentation, policy renewal tracking, and claims assistance — all while ensuring your business stays compliant.
What’s Included In Our Employee Insurance Support?
Our comprehensive services cover:
- CCHI-compliant insurance policy facilitation
- Selection of suitable insurance providers
- Assistance with initial employee registration
- Addition and deletion of employees
- Policy renewals and premium negotiations
- Coordination with HR and PRO for Iqama renewal
- Claims support and escalation
- Employee guidance on insurance usage
- Corporate group coverage for dependents (optional)
- Coverage advisory based on job roles and salary grades
MHK Services ensures every employee under your organization is insured correctly and within required timelines.
HR & Payroll Services We Offer
Is It Legally Required To Provide Insurance For All Employees?
Yes. As per Saudi labor law and CCHI regulations, every employer must provide at least basic health insurance coverage for each employee and register them through an approved insurance provider.
Failure to comply can result in:
- Inability to issue or renew Iqama
- Financial penalties from authorities
- Delays in GOSI registration or contract validation
- Employee dissatisfaction or legal complaints
Estimated Pricing, Timeline, And Employee Insurance Process
Estimated Pricing
Pricing depends on the number of employees, the type of insurance plan (basic, medium, or comprehensive), and any added coverage (such as dependents). Standard plans range from SAR 400 to SAR 1,500 per employee annually. MHK negotiates the best rates with insurance providers on your behalf and provides transparent cost estimates.
Estimated Timeline
Initial employee registration can be completed within 2–4 working days. Renewals or additions typically take 1–2 working days. MHK provides priority handling for urgent Iqama renewal or onboarding cases.
How The Process Works
MHK Services begins by gathering employee data and determining coverage requirements. We then register employees with selected insurance providers, ensure CCHI portal updates, and send digital insurance cards. We also provide HR support in tracking policy validity and renewals.
What Are The Benefits Of Proper Employee Insurance?
With proper insurance coverage, businesses enjoy:
- Compliance with Saudi labor regulations
- Smooth Iqama issuance and renewals
- Enhanced employee satisfaction and retention
- Reduced liability in case of workplace injury or illness
- Streamlined HR and PRO workflows
- Stronger employer brand and trust
MHK Services ensures that all legal, administrative, and employee-facing aspects are covered.
Contact Us
Book an Appointment with Us
Schedule a consultation with MHK Services today and discover how our expert Actuarial Valuation and financial consulting services can enhance the accuracy and reliability of your financial records.
What Issues Do Businesses Face With Employee Insurance?
Without structured support, companies often deal with:
- Missed renewals leading to blocked Iqama
- Overpayment for basic plans due to poor negotiation
- Errors in CCHI portal data
- Delays in onboarding or contract finalization
- Employee confusion about claim processes
- Gaps in insurance during job transitions
How MHK Services Simplifies Insurance Compliance
We handle insurance effectively by:
- Partnering with approved and reliable insurers
- Managing portal entries, renewals, and data accuracy
- Following up on claims and unresolved cases
- Providing monthly insurance status reports to HR
- Ensuring full coverage and legal documentation
- Offering cost-effective solutions for large and small teams
Why Choose MHK For Employee Insurance In Saudi Arabia?
MHK Services offers a one-window solution for employee insurance — from selecting the right coverage to managing renewals, claims, and compliance. We help Employee Insurance Services your HR team stay worry-free while your employees stay protected.
Ready To Insure Your Workforce Professionally?
Let MHK Services take care of your employee insurance requirements — so your team stays protected, and your business stays compliant in Saudi Arabia.
FAQ's
Our complete coverage covers medical, life, disability, dental, and vision insurance, ensuring a strong safety net for your employees.
We work with major carriers to get competitive rates, personalizing premiums for the best value for your investment.
MHK Services provides constant assistance by handling claims processing, resolving concerns, and guaranteeing legal compliance for your peace of mind.
We hold workshops and campaigns to educate workers, which fosters engagement and respect for their insurance program.
MHK Services automates insurance administration, allowing your HR staff to focus on strategic projects while decreasing their workload.