What is the statutory annual maximum coverage limit under the unified CHI policy?

The unified baseline health insurance policy mandated by the Council of Health Insurance (CHI) provides an aggregate maximum coverage limit of SAR 500,000 per insured beneficiary per policy year.

Saudi ArabiaUpdated for 2026Business

Saudi CHI Mandatory Employee Health Insurance Cost Calculator 2026

Calculate corporate group health insurance premiums for employees and dependents across coverage tiers (VIP, Class A, B, C), age brackets, deductible co-pays, and 15% VAT under Council of Health Insurance (CHI) regulations.

Insurance & Coverage Healthcare & Medical Corporate & Enterprise

Calculated Result

Total Annual Policy Premium

26,068.42SAR

Calculator Inputs

Insurance Policy Tier & Network

Number of Enrolled Employees10

1 500

Average Workforce Age Bracket

Number of Eligible Dependents5

0 500

Outpatient Co-Payment Deductible

Apply Value Added Tax (15% VAT)

Total Annual Policy Premium

26,068.42SAR

Monthly Amortized Cost

2,172.37 SAR

Avg Annual Cost Per Insured Life

1,737.89 SAR

Total Insured Members

15 Lives

VAT Amount (15%)

3,400.23 SAR

Employees Premium Subtotal

15,750 SAR

Dependents Premium Subtotal

6,693.75 SAR

CHI Regulatory Supervision Fee (1%)

224.44 SAR

Under CHI regulations and Ministry of HR guidelines, private employers are legally mandated to maintain active health insurance for all employees and their registered dependents. Active insurance is a statutory prerequisite for issuing or renewing Iqamas and work permits.

Calculated based on standard benchmark underwriting guidelines and Council of Health Insurance (CHI) unified policy benefit limits.

This calculator is a mathematical model for general financial estimation, planning, and educational guidance. Results depend on your inputs and standard formulas, and do not constitute binding financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.

Official Statute: نظام الضمان الصحي التعاوني الصادر بالمرسوم الملكي م/10 واللائحة التنفيذية المحدثة ووثيقة التأمين الصحي الموحدة لمجلس الضمان الصحي (CHI)Last Verified: 2026-09-04

Calculation Methodology

Total premium is derived by applying age and deductible factors to tier base rates for employees and dependents, adding the 1% CHI supervisory fee and 15% VAT.

Frequently Asked Questions

Yes, under the Cooperative Health Insurance Law and Ministry of HR regulations, all private sector employers must provide comprehensive health insurance coverage for all Saudi and expat employees as well as their eligible family members.

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Saudi CHI Mandatory Employee Health Insurance Cost Calculator 2026

Calculator Inputs

Calculation Methodology

Frequently Asked Questions

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