Individual Health Insurance
General
What is health insurance?
Health insurance helps cover the cost of medical treatment and healthcare services in exchange for a fixed annual premium. It helps reduce the financial burden of unexpected healthcare costs.
What is tree Individual Health Insurance?
tree’s Individual Health Insurance is designed for Saudi nationals and offers three plans: Silver, Platinum, and Diamond. Each plan provides a different level of coverage and benefits, so you can choose the one that best suits your needs.
Who is eligible for Individual Health Insurance?
Saudi nationals who are not covered by mandatory health insurance are eligible for Individual Health Insurance, including self-employed individuals, retirees, government employees, students over the age of 18, and their eligible family members.
Can a married person insure themselves only?
If you are married and have eligible family members, they must all be included under a single family policy.
Who is eligible for Individual Health Insurance among women?
Individual Health Insurance is available to women who are:
Single
Divorced
Widowed
How much does Individual Health Insurance cost?
The cost of Individual Health Insurance depends on factors such as your age and gender.
Which hospitals and clinics are included in the Medical Network?
You can view the full list of hospitals and clinics in our Medical Network here.
Where can I find my Policies, and how can I download them?
You can access all your insurance documents from the My Policies page. Simply go to the page and tap Download Policy to save it to your device.
Coverage Basics
Which plan is right for me?
It depends on the level of coverage you want. Silver provides basic primary care, Platinum adds a higher annual limit and wider services, and Diamond provides the highest limit and broader benefits with emergency coverage when traveling outside the Kingdom.
When does my coverage start after purchase?
Your coverage starts 30 days after your policy is purchased.
Where can I use my plan?
The Silver and Platinum Plans cover treatment within Saudi Arabia. The Diamond Plan also includes emergency coverage for short trips outside Saudi Arabia.
Where can I get treatment?
Start your treatment by visiting one of the Primary Care Clinics in our Medical Network. If you need advanced care, your doctor will refer you to a hospital covered by your plan. You can view the full Medical Network list here.
What’s covered under my plan?
Your plan includes outpatient consultations, hospitalization, prescribed medicines, lab tests, basic dental treatment, optical care, ambulance service, and physiotherapy sessions, all within your plan’s annual limit.
Is maternity covered?
The plan includes pre-delivery care with a sub-limit that varies depending on the plan. However, delivery itself is not included.
Is dental treatment covered?
It includes basic dental treatment such as fillings, extraction, and root canal with a yearly sub-limit. Cosmetic dentistry, orthodontics, and implants are not included.
Is optical care covered?
It includes eye exams and necessary medical lenses with a yearly sub-limit. Vision correction surgeries such as LASIK are not included.
Claims, Cancellation & Renewal
Do I pay anything when I visit a doctor?
You pay 20% of each visit (called co-payment) with a maximum of 200 SAR per visit, paid directly at the clinic or hospital.
Can I cancel my policy and get a refund?
Yes. You can cancel your policy at any time. If you're eligible for a refund, the remaining amount will be refunded within 90 days based on the unused portion of your policy, provided there are no pending claims and the value of submitted claims has not exceeded the allowable limit of your annual premium.