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SAICO Middle East

The Saudi Arabian Co-operative Insurance Company (SAICO), provides coverage for expatriates and family members living in the Kingdom of Saudi Arabia, Qatar, United Arab Emirates, Bahrain, Kuwait, or Oman. Saudi Arabia requires expatriate workers to carry local health insurance as a prerequisite to obtaining a work permit; several other Middle Eastern countries are implementing similar legislation. Members receive a SAICO ID card, which provides access to the SAICO network of providers. They pay only the applicable coinsurance rather than 100 percent of charges at the time services are rendered, which is customary in many Middle East locations.