Most expats have some form of private insurance. Kuwait does require some expat nationalities to purchase medical insurance before residency is given. Many more have health insurance back home which covers any treatment in Kuwait. Those that don't have coverage end up paying for all medical treatment, doctor visits or hospital stays.
When taking out a health insurance policy, do take considerable time to thoroughly research your policy, ensure you read ALL the fine print, and pay careful attention to what's covered and what isn't covered. Most insurance policies include limitations and restrictions; for example, "pre-existing" medical conditions are not likely to be covered, certain occupations are sometimes ineligible or draw additional charges. Many insurers limit costs for particular treatments within a calendar year, or have annual limits. Don't be left holding a hefty medical bill by not having medical insurance.
Insurance costs vary between companies and aren't normally published. It is best to contact them in person and discuss your options. Like costs, benefits also vary widely from insurer to insurer. Contact the companies directly to find out more.
Private Healthcare Companies
Below is a list of local Kuwaiti insurance companies offering health insurance to expats:
- Gulf Insurance Company - n operation since 1962, is a public shareholding company listed on the Kuwait Stock Exchange, offering both life (health/medical) and non life (property, automobile, boat, home) insurance for nationals and non nationals alike.
- Al-Ahaliea Insurance Company - started in 1962 by Amiri Decree, and is one of the leading insurance companies in The State of Kuwait, offering a variety of insurance coverage, including health and life, motor, marine and general coverage.
- Warba Insurance - has been around for over 35 years and prides itself on quality customer service. Warba provides medical insurance coverage for expats as well as nationals.
- Enaya Insurance - a national insurance company 100% owned and operated by Kuwaitis. The company has insured many employees from global brands such as Chevrolet and Cadillac and Alghanim Industries, a leading electronics outlet in Kuwait. Enaya Insurance is regulated by the Ministry of Commerce. The company provides travel, motor, medical, marine and numerous other types of insurance coverage.
Update 26/05/2013
Expatriate health insurance in Kuwait
With so much to deal with before leaving your home country, (taxes, moving house, paperwork etc.) the careful planning of your expatriation to Kuwait City is an essential step. As far as healthcare is concerned, your local social security scheme won’t be accompanying you to your host country and, once abroad, you might be surprised by the care system you find in Kuwait So, before leaving, make sure you have appropriate cover!
Designed for either short or long stays, APRIL International’s insurance policies offer protection against any problems that might arise before departure or during your time in Kuwait: cancelling your trip, medical expenses following an illness or accident, needing to be repatriated, causing damage to a third party or losing your luggage.