Explore family health insurance in Saudi Arabia, including coverage, costs, plans, medical networks, and how to choose the right plan for your family.
When choosing health insurance for your family, the needs of one person alone are not enough to determine the right option for everyone.
You may be looking for access to a specific hospital, dental and optical coverage, or an annual coverage limit that meets your family's healthcare needs.
That is why, before choosing family health insurance, it is important to understand what the policy covers, how the available plans differ, and which details are worth comparing.
In this guide, we cover the key points you need to understand your family medical insurance options and choose coverage based on your family's needs.
What Is Family Health Insurance?
Family health insurance is a policy that provides coverage for a range of healthcare services for eligible family members, according to the limits, terms, and benefits of the selected plan.
Health insurance for families can help reduce the financial burden of certain medical expenses, including consultations, hospitalization, prescription medications, medical tests, and other covered services.
Family health insurance coverage varies from one plan to another, so it is important to review the policy details rather than choosing based solely on the plan name or price.
Who Can Get Family Health Insurance in Saudi Arabia?
Eligibility for family medical insurance in Saudi Arabia varies depending on the product and the insurance provider's requirements.
tree's current product is designed for Saudi citizens who are not covered by mandatory health insurance, including self-employed individuals, retirees, government employees, students over the age of 18, and their families.
Can Government Employees Get Health Insurance for Their Families?
Yes. tree lists government employees among the groups eligible for its health insurance product for individuals and families, subject to the product's eligibility requirements.
Can Retirees Get Family Medical Insurance?
Yes. Retirees are also among the groups targeted by tree's current product, allowing eligible retirees to obtain family health insurance in Saudi Arabia according to the policy terms.
Is Family Health Insurance Suitable for Self-Employed Individuals?
Eligible self-employed individuals can benefit from this type of insurance, and tree includes them among the groups targeted by its health insurance product.
Who Is Covered by Family Health Insurance?
The family members who can be added to a family health insurance policy depend on the product's terms and eligibility requirements.
tree states that if the applicant is married and has a family, the family policy must include all eligible family members rather than covering the applicant alone.
Before requesting a quote, make sure you know which family members need to be included and verify their information.
Can I Insure Only Some Family Members?
For tree's current product, the available information states that if the applicant is married and has a family, all eligible family members must be included under one family policy.
Can New Family Members Be Added to the Policy?
Adding new family members after the policy has been issued may be subject to specific terms and procedures. Review your policy terms or contact the insurance provider to determine what applies to your situation.
Are Children Covered by Family Health Insurance?
The policy may cover eligible family members, including children, according to the product's eligibility requirements. Review the policy details when obtaining your quote to confirm who can be included.
What Does Family Health Insurance Cover?
Benefits vary depending on the insurance provider and selected plan. tree's current health insurance coverage includes outpatient consultations, hospitalization, prescription medications, medical tests and examinations, basic dental treatment, optical care, ambulance services, and physiotherapy.
Doctor Visits and Medical Consultations
tree plans include outpatient consultations, with coinsurance applied according to the terms of the selected plan.
Hospitalization and Inpatient Treatment
Hospitalization is included among the product's benefits, while room type and annual coverage limits vary depending on the selected plan.
Prescription Medications
Coverage includes prescription medications according to the limits and terms of the policy. Review your plan details to understand the scope of this benefit.
Medical Tests and Examinations
Medical tests and examinations are included among the healthcare services covered by the current plans, subject to policy terms.
Emergency Care and Ambulance Services
Current coverage includes ambulance services, while details and limits for emergency treatment depend on the selected policy and plan.
Dental Treatment
The plans cover basic dental treatment, with annual limits varying according to the level of coverage.
Eye Exams and Optical Care
tree's current plans include optical benefits, with different annual limits per person depending on the selected plan.
Physiotherapy
All three current plans include up to 12 physiotherapy sessions according to the displayed coverage details.
Does Family Health Insurance Cover Pregnancy and Maternity?
This is one of the most important areas to review when choosing health insurance for your wife and children, particularly if your family is planning a pregnancy.
You should not assume that every family insurance policy covers pregnancy and maternity under the same terms or limits. Coverage depends on the product, plan, waiting periods, and any applicable exclusions.
Before purchasing a policy, carefully review the current pregnancy and maternity benefits, including prenatal care, medical tests, delivery, and applicable coverage limits.
Does Family Health Insurance Cover Dental and Optical Care?
Yes. tree's current family health insurance plans include dental and optical benefits, but the limits vary significantly between plans.
The annual dental limit per person is up to SAR 1,000 for the Silver plan, SAR 2,000 for the Platinum plan, and SAR 3,000 for the Diamond plan.
The annual optical limit per person is up to SAR 200 for Silver, SAR 500 for Platinum, and SAR 1,000 for Diamond.
If a family member regularly needs dental or optical care, consider these limits when comparing plans.
What Is Not Covered by Family Health Insurance?
Having comprehensive family medical insurance does not necessarily mean that every healthcare service is covered without restrictions.
Some services may be excluded or subject to financial limits and specific conditions. These details vary depending on the policy and plan.
Before purchasing, carefully review:
- Exclusions
- Annual and sub-limits
- Coinsurance
- Services that are not covered
- Medical network
- Medical approval requirements
- Any applicable waiting periods
Do not rely solely on a short description of the plan. The actual insurance policy is the primary reference for determining the scope of coverage.
💚 If you need any help or have questions, the tree team is ready to assist you.
📞 8001240505
📧 wecare@tree.com.sa
How Much Does Family Health Insurance Cost in Saudi Arabia?
There is no single price that applies to every family, as family health insurance prices are affected by several factors.
tree states that health insurance costs are influenced by factors such as age and gender, while the level of benefits also varies between the available plans.
Therefore, if you are looking for family health insurance in Saudi Arabia, it is better to obtain a personalized quote based on your family's information rather than relying on general prices that may not apply to your situation.
What Factors Determine the Cost of Family Health Insurance?
The price may be affected by factors such as the information used to calculate premiums for family members, their ages, the selected level of coverage, and the limits and benefits available under the plan.
Differences in protection levels between plans also mean that comparing plans based on price alone may not provide a complete picture.
Is the Cheapest Family Health Insurance the Best?
Not necessarily.
When searching for the cheapest family health insurance, compare:
Price + annual coverage limit + coinsurance + medical network + hospitalization + dental + optical care + exclusions.
A lower-cost plan may provide everything your family needs, while another family may require higher coverage limits, a different medical network, or additional benefits.
What Is the Difference Between Family Health Insurance Plans?
tree currently offers three family health insurance plans: Silver, Platinum, and Diamond. They differ in annual coverage limits, room type, dental and optical limits, and other benefits.
The plans also provide limits for pre-existing conditions of up to SAR 30,000 for Silver, SAR 100,000 for Platinum, and SAR 250,000 for Diamond.
Benefits and terms may change, so review your current quote and policy before purchasing.
How Do You Choose the Best Family Health Insurance?
Finding the best family health insurance does not necessarily mean automatically choosing the most expensive or cheapest plan. The right choice is the coverage that best matches your family's needs.
Start by identifying the healthcare services your family regularly uses, then review the policy's annual coverage limit and coinsurance.
Next, make sure the hospitals and clinics you prefer are included in the medical network, and compare dental, optical, physiotherapy, and other benefits.
Finally, review exclusions, pre-existing conditions, and the terms for using your coverage before making your decision.
How Do You Choose the Right Medical Network for Your Family?
The health insurance medical network is one of the most important factors to compare. Having a large number of healthcare providers does not necessarily help if the hospitals and clinics you need are not available in your city or near your home.
tree states that its family health insurance provides access to a medical network that includes hospitals, clinics, and medical centers across Saudi Arabia.
When comparing family health insurance hospitals, check:
- Hospitals near your home
- Available primary care clinics
- Medical specialties your family needs
- Covered medical centers
- Hospital referral procedures when required
What Is Coinsurance in Family Health Insurance?
Coinsurance is the amount or percentage the insured person pays when using certain medical services, according to the policy terms.
tree's current family plans show 20% coinsurance, capped at SAR 200, for outpatient consultations. The plan information also displays a similar percentage for inpatient consultations.
Therefore, when comparing plans, do not consider the annual premium alone. Also review how much you may have to pay when using medical services
How Can You Get Family Health Insurance Online?
Getting family health insurance online has become easier through a digital journey that starts with entering your information and requesting a quote.
tree's current page asks for basic information such as:
- National ID number
- Mobile number
- Email address
- Month and year of birth
After that, review eligible family members and compare plans, benefits, limits, coinsurance, and the medical network before issuing the policy.
Family Health Insurance from tree
tree provides family health insurance in Saudi Arabia for eligible Saudi citizens, including government employees, teachers, self-employed individuals, retirees, and their families.
Three levels of coverage are currently available: Silver, Platinum, and Diamond, with a medical network that includes hospitals, clinics, and medical centers across Saudi Arabia.
💚 Looking for health insurance that meets your family's needs?
Compare family health insurance options from tree and explore the available coverage before choosing the right plan for you and your family.
📞 8001240505
📧 wecare@tree.com.sa
When Does Family Health Insurance Coverage Start?
It is important to know when coverage begins before purchasing a family health insurance policy, particularly if you expect to use the insurance soon.
According to tree's current information, coverage begins 30 days after the policy purchase date.
Do not assume that all benefits become available immediately after purchase. Always check the coverage start date stated in your policy.
Does Family Health Insurance Cover Treatment Outside Saudi Arabia?
It depends on the selected plan.
According to tree's current information, the Silver and Platinum plans cover treatment within Saudi Arabia only, while the Diamond plan also includes emergency coverage for short trips outside Saudi Arabia.
If your family travels frequently, review the geographical scope of coverage and emergency limits before choosing a plan.
How Do You Use Family Health Insurance When You Need Treatment?
tree explains that the healthcare journey begins by visiting one of the primary care clinics included in the medical network.
If the patient requires more advanced care, they are referred to one of the hospitals included in the coverage.
Before booking an appointment, check the healthcare provider, your medical network, and any approval or referral requirements.
💚 If you need any help or have questions, the tree team is ready to assist you.
📞 8001240505
📧 wecare@tree.com.sa
Frequently Asked Questions About Family Health Insurance
What Is the Best Family Health Insurance in Saudi Arabia?
The right option depends on your family's needs and budget. Compare the annual coverage limit, medical network, coinsurance, dental and optical benefits, pre-existing conditions, and exclusions before choosing a plan.
How Much Does Family Health Insurance Cost?
There is no fixed price for every family. tree states that health insurance costs are affected by factors such as age and gender, so you need to obtain a quote based on the applicant's and family's information.
Who Can Get Family Health Insurance?
tree's current product is available to eligible Saudi citizens who are not covered by mandatory health insurance, including government employees, self-employed individuals, retirees, and certain other eligible groups and their families.
Can I Insure Only Some Family Members?
tree states that if the applicant is married and has a family, all eligible family members must be included in one family policy.
Does Family Health Insurance Cover Children?
The policy may include eligible family members according to the product's terms. The eligibility of each family member should be verified when obtaining a quote.
Does Family Health Insurance Cover Pregnancy and Maternity?
Pregnancy and maternity coverage varies depending on the policy and plan. Review the applicable benefits, limits, exclusions, and waiting periods before purchasing.
Does Family Health Insurance Cover Dental Treatment?
tree's current plans include basic dental treatment with annual limits of up to SAR 1,000 for Silver, SAR 2,000 for Platinum, and SAR 3,000 for Diamond per person.
Does Family Health Insurance Cover Eyeglasses and Eye Exams?
tree's current plans provide optical benefits of up to SAR 200 per person under Silver, SAR 500 under Platinum, and SAR 1,000 under Diamond per year.
Which Hospitals Are Included in Family Health Insurance?
tree states that its medical network includes hospitals, clinics, and medical centers across Saudi Arabia. Review the medical network associated with your selected plan before purchasing to make sure your preferred providers are included.
What Is the Coinsurance for Family Health Insurance?
tree's current family plans show 20% coinsurance, capped at SAR 200, for outpatient consultations.
When Does Coverage Start After Purchasing the Policy?
According to tree's current information, coverage starts 30 days after the policy purchase date.
Can I Buy Family Health Insurance Online?
Yes. tree allows you to start the process of obtaining a family health insurance quote online by entering the required information and selecting your coverage.
Does Family Health Insurance Cover Treatment Outside Saudi Arabia?
The Silver and Platinum plans are intended for treatment within Saudi Arabia, while the Diamond plan includes emergency coverage for short trips outside Saudi Arabia, subject to policy terms.
How Do You Choose the Right Health Insurance for Your Family?
Choosing suitable family health insurance starts with identifying your family's healthcare needs and then comparing plans based on annual limits, coinsurance, medical network, hospitalization, dental care, optical care, physiotherapy, pre-existing conditions, and exclusions.
Do not make finding the cheapest family health insurance the only factor in your decision. The better approach is to choose a plan that balances cost with the level of coverage your family needs.
💚 Looking for family medical insurance in Saudi Arabia?
Explore family health insurance from tree and compare the available plans and coverage to find the option that best suits your family's needs.
📞 8001240505
📧 wecare@tree.com.sa
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