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Munsha’at’ from Bupa Arabia


The Bupa brand, with a local presence.Maximum annual cover SAR 500K on most plans.
Wide choice of options.As with all iPMI, can be expensive to get the best cover.
Market leader in Saudi Arabia.Specialist area and not one for many brokers.

The Product

Bupa Arabia has introduced what it calls a ‘first-of-a-kind’ health insurance product for small and medium-sized enterprises (SMEs) in Saudi Arabia.

There are three main programmes – Essential, Classic and Premium.

  • Essential. Budget iPMI with version 1.0 (one option), 2.0 (two scheme options) or 3.0 (three options).
  • Classic. Offers a wide variety of network options. Eight scheme options in total between versions 1.0, 2.0, 3.0 and 4.0.
  • Premium/ Top of the range plan, with a total of ten scheme options between versions 1.0, 2.0, 3.0 and 4.0.

Most plans have a maximum annual benefit of SA% 500,000, rising up to SAR 1m on the Premium plans.

Bupa Arabia says Munsha’at’ has been designed to match the specific requirements of SMEs, following its research which identified six segments in the market, each with its own needs and capabilities.

What they say

CEO Tal Nazer said: “Saudi health insurance companies did not take into account the fundamental differences in the nature and requirements of small and medium enterprises and their actual capabilities.

The new health insurance program is specifically designed to suit the needs of all the different segments of SMEs. All three programs under Bupa Munsha’at contain a certain number of schemes and benefits with multiple coverage networks in accordance with the Council of Cooperative Health Insurance requirements”.

What we say

According to the Saudi Arabian General Investment Authority (SAGIA), SMEs represent around 95% of the total number of commercial and investment companies within the kingdom’s private sector.

So, the launch of a range of PMI options aimed at SMEs makes sense.

Bupa Arabia is a JV with Nazer Group and the largest health insurer in Saudi Arabia. These plans offer a range of options to meet needs and budgets and look to be a good choice for Saudi based SMEs.