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    Kuwait

    International Health Insurance in Kuwait

    The compact Middle Eastern nation of Kuwait draws expats from across the globe, with a prosperous and fast-growing economy, warm weather and high living standards. Indeed, over two thirds of the population of this desert nation are foreign nationals.

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    With so many non-native individuals making their home here, you’ll be in good company if you decide to move to Kuwait for work or business. However, as a non-citizen, you won’t be able to access the state-funded healthcare. This makes having health insurance in Kuwait a necessary part of your planned life here.
     
    With expat medical insurance, you’ll be safeguarded against any unforeseen expenses or high bills should you need to access healthcare while you’re here. Backed by the knowledge your future is protected, you’ll be free to make the most of your new life in this exciting nation.
    Cigna Leaf

    How does the healthcare system work in Kuwait?

    Kuwait has an extensive public healthcare system paid for via taxation. State-funded healthcare is available to all Kuwaiti passport holders. For non-citizens, there is a publicly available insurance scheme that helps with the costs of using the same service.

    Private healthcare operators, hospitals and insurance companies all operate in the Middle Eastern nation, giving expats and business travellers additional options if they can’t access the local system.

    Read our guide to life in Kuwait
    Cigna Leaf

    Pros and cons of using Kuwait's local healthcare system

    Pros

    • Access to specialist hospitals, mental health services and 24-hour care is all free at the point of use for locals, or reduced in price for non-citizens.

    Cons

    • Expats are discouraged from using the public system in some cases and may find longer queues and extended wait times as hospitals prioritise Kuwaiti nationals.
    • Use of the public system requires expats register with a local insurance scheme to enable access at a reduced cost.
    • The state scheme cannot be used at private care facilities. So, if you’re an expat wanting to access a private hospital, you’ll need full insurance.
    • Ambulances are rare and reserved for absolute emergencies. In most cases, you’ll be required to make your own way to hospital.

    The difference between public and private healthcare in Kuwait
    Public Private

    Expats actively discouraged from using the public system.

    Available to expats.

    Expats will face extended wait times, usage restrictions and unavailable services.

    Range of services and good standards of care.
    Cigna Leaf

    How can international health insurance help you in Kuwait?

    Medical insurance is an essential component of expat life in Kuwait. With the way healthcare access works for foreign nationals here, it’s important that you protect your health with a comprehensive insurance package. Doing so will open access to private hospitals, faster service and lower wait times.
    greenLeaf

    Choosing your international health insurance

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    Choose your plan

    Compare plans and find a flexible package to suit your needs.

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    Cigna Global Health Options Plans
    Silver

    Worldwide or worldwide excluding USA cover

    Overview

    The core benefits on the Silver plan provide international inpatient and daypatient cover, including hospital stays and treatment.

    Available additional modules:

    • Outpatient
    • Evacuation and Crisis Assistance Plus™
    • Health and Wellbeing
    • Vision and Dental

    Core hospitalisation cover overview:

    • Annual benefit limit: $1,000,000

    • Inpatient and daypatient treatment

    • Private room

    • Full cancer care

    • Newborn care cover
    Gold

    Worldwide or worldwide excluding USA cover

    Overview

    Comprehensive coverage, with higher overall annual limits and added benefits including inpatient maternity care.

    Available additional modules:

    • Outpatient
    • Evacuation and Crisis Assistance Plus™
    • Health and Wellbeing
    • Vision and Dental

    Core hospitalisation cover overview:

    • Annual benefit limit: $2,000,000

    • Inpatient and daypatient treatment

    • Private room

    • Full cancer care

    • Inpatient Maternity
    Platinum

    Worldwide or worldwide excluding USA cover

    Overview

    Our highest level of coverage offers an unlimited overall annual limit, with most benefits being paid in full.

    Available additional modules:

    • Outpatient
    • Evacuation and Crisis Assistance Plus™
    • Health and Wellbeing
    • Vision and Dental

    Core hospitalisation cover overview:

    • Annual benefit limit: Paid in full

    • Inpatient and daypatient treatment

    • Private room

    • Full cancer care

    • Inpatient Maternity

    • Mental and Behavioural Health care paid in full

    Cigna Close Care℠ Plan
    Close Care
    Country of residence + Country of nationality
    Overview

    An essential health plan created for those who need coverage only in their country of residence, and their country of nationality.

    Available additional modules:
    • Outpatient and Wellness Care
    • Dental Care and Treatment
    Core hospitalisation cover overview:

    • Annual benefit limit: $500,000
    • Condition limit: $250,000
    • Inpatient and daypatient treatment
    • Semi-private room
    • Full cancer care
    Cigna Leaf

    Why choose Cigna Healthcare for health insurance in Kuwait?

    We can help you choose an international health insurance plan that fits your lifestyle. With a range of options available, our insurance package will have you all set for expatriate life.

    • Access the healthcare you need without the restrictions placed on expats.
    • Navigate the national system with the help of local experts and multilingual staff.
    • Priority support and treatment from leading national and regional medical staff.
    • 24/7 access to our Customer Care Team, wherever you are.

    Get a quote today
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    FAQs
    What are the major health concerns in Kuwait?Kuwait’s hot climate can present a problem for some expats, especially if you aren’t used to particularly high temperatures in your home nation. Sunburn, heat rash and heatstroke can all be a concern for those not used to the desert heat. Can expats use public facilities on their private healthcare?Yes, you can use public medical services using your private cover. However, the reverse is not true. If you pay into the national public scheme, you will not be able to access private facilities. How much does private medical insurance cost in Kuwait?The price of your medical insurance will differ depending on your personal circumstances and requirements. Your health needs, pre-existing conditions, age and employment will all affect the final price of your package. You can also add a range of extras and additional coverage with Cigna Healthcare, which will alter the total price.

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    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

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