Ever found yourself at a hospital in Saudi Arabia wondering if your health insurance is actually valid? Or maybe you’re an expat trying to renew your Iqama and need to confirm your insurance status? Trust me, you’re not alone – thousands of people check their CCHI insurance status every single day.
The good news? Checking your health insurance in Saudi Arabia is actually super simple once you know how. Whether you’re holding an Iqama, visiting on a tourist visa, or coming for Umrah, this complete guide covers every single method to verify your CCHI insurance online.
What Is CCHI and Why Does It Matter?
CCHI stands for Council of Cooperative Health Insurance (now officially called CHI – Council of Health Insurance). It’s the government body that regulates all health insurance in Saudi Arabia.
Here’s why CCHI matters to you:
For Iqama Holders:
- Your Iqama cannot be issued without valid health insurance
- Your Iqama cannot be renewed if insurance expires
- Employers are legally required to provide you coverage
- You need it for every medical service in Saudi Arabia
For Visitors:
- Visit visas require mandatory health insurance
- Tourist visas include insurance coverage
- Umrah and Hajj visas have specific insurance requirements
- Border entry may check insurance validity
Bottom Line: Whether you’re living in, working in, or visiting Saudi Arabia, having valid CCHI-registered health insurance isn’t optional – it’s the law.
CCHI Insurance Check Methods: Choose What Works for You
Let me break down every single way you can check your insurance status. Pick the method that’s easiest for your situation.
Method 1: CCHI Website (Most Common Way)
This is the official method that works for everyone – Iqama holders, visitors, tourists, everyone.
Step-by-Step Instructions:
Step 1: Open your browser and visit the official CCHI insurance inquiry page:
URL: https://www.chi.gov.sa/en/ServicesDirectory/pages/eservices-checkinsurance.aspx
Step 2: Click “English” at the top right corner (if you prefer English interface)
Step 3: Click the “Start Service” button
Step 4: Enter your document number. You can use ANY of these:
- Iqama number (10 digits for residents)
- Passport number (for visitors)
- Border number (received at entry)
- Visa number (for tourists/Umrah visitors)
Step 5: Enter the verification code (captcha) shown in the image
Step 6: Click “Search” or “OK”
Step 7: Agree to data processing terms (checkbox)
Step 8: View your results!
What You’ll See:
- Insurance company name
- Policy number
- Beneficiary number
- Insurance class (Basic, Enhanced, Premium)
- Deductible percentage
- Coverage start date
- Expiry date (most important!)
- Beneficiary type (Employee, Dependent, Visitor, etc.)
Time Required: Less than 2 minutes
Cost: Completely FREE
Works For: Everyone (residents, visitors, tourists, Umrah pilgrims)
Method 2: CCHI Insurance Check for Visit Visa
If you’re visiting Saudi Arabia on a tourist or family visit visa, you have a specific portal:
Direct Link: https://www.chi.gov.sa/ServicesDirectory/Pages/default.aspx
What to Enter:
- Passport number
- Visa number, OR
- Border number (given when you entered Saudi Arabia)
Process:
- Go to the visitor insurance inquiry page
- Enter your passport, visa, or border number
- Type the security code (captcha)
- Click “OK”
- View your insurance details
Why Use This Method: Specifically designed for short-term visitors, tourists, and Umrah/Hajj pilgrims. The interface is simpler and focused on visitor needs.
Method 3: Daman CHI Mobile App (The Convenient Way)
The official CCHI mobile app is called “Daman” (which means “guarantee” in Arabic). It’s honestly the easiest method if you’re a resident.
Download Links:
- Android: Google Play Store – Search “Daman CHI” or “ضمان يهتم”
- iPhone: Apple App Store – Same search terms
Setup Process:
Step 1: Download and install the Daman CHI app
Step 2: Open the app and select English language (top right)
Step 3: Login using Nafath credentials
- Username (your Iqama number)
- Password (Absher password)
- Or use biometric login if enabled
Step 4: Grant necessary permissions
Step 5: View your dashboard showing all insurance information immediately!
App Features:
- View insurance for yourself and all family members
- Add insurance card to digital wallet
- Find approved hospitals and clinics (with map!)
- Check your insurance rights and benefits
- View schedule of benefits
- Submit complaints against insurance companies
- Submit inquiries about coverage
- Get notifications about expiry dates
- Manage family members’ insurance
Why I Love the App:
- No need to enter numbers repeatedly
- Saves your information
- Notifications warn you before expiry
- Can check family members instantly
- Hospital finder shows nearest approved facilities
- Works offline for saved information
Method 4: Check Through Absher Platform
If you already use Absher for other government services, you can check insurance there too.
For Your Own Insurance:
Step 1: Login to Absher (app or website: absher.sa)
Step 2: Go to “Services” section
Step 3: Find “Inquiries” option
Step 4: Select “Query Health Insurance”
Step 5: View your insurance expiry date
For Family Members/Dependents:
Step 1: Login to Absher
Step 2: Click “Family Members” tab
Step 3: Select “Inquiries”
Step 4: Choose “Query Health Insurance”
Step 5: Select the family member from your dependents list
Step 6: View their insurance expiry date
Limitation: Absher typically shows only expiry dates, not full policy details. For comprehensive information, use CCHI website or Daman app.
Method 5: Premium Iqama Insurance Check (UniIqama)
Some residents have special “Premium Iqama” insurance through UniIqama program. Here’s how to check:
Direct Link: Look for “UniIqama Insurance Inquiry” on CCHI website
Two Options Available:
Option A: Check by Iqama Number
- Enter your 10-digit Iqama number
- Enter captcha
- View enhanced coverage details
Option B: Check by Policy Number
- Enter your specific policy number
- Enter verification code
- View comprehensive policy information
Who Has UniIqama: Typically employees of large corporations or government entities with enhanced insurance packages.
Understanding Your CCHI Insurance Results
Once you’ve checked your insurance, here’s what all that information actually means:
Insurance Class
Basic Class:
- Covers essential medical services
- Most common for private sector employees
- Adequate for routine healthcare needs
Enhanced Class:
- Better coverage limits
- More services included
- Lower deductibles
Premium Class:
- Comprehensive coverage
- Maximum limits
- Minimal or no deductibles
- Access to top-tier hospitals
Deductible Percentage
This is what YOU pay before insurance kicks in.
Example:
- Deductible: 20%
- Doctor visit costs: 200 SAR
- You pay: 40 SAR (20%)
- Insurance pays: 160 SAR (80%)
Lower is better! Premium policies often have 0% deductibles.
Policy Number
Your unique insurance policy identifier. You’ll need this when:
- Visiting hospitals
- Filing claims
- Contacting insurance company
- Resolving disputes
Beneficiary Number
Your personal ID within the insurance system. Different from Iqama number.
Expiry Date
MOST IMPORTANT FIELD!
This date tells you when your insurance coverage ends. If it expires:
- You cannot renew your Iqama
- Hospitals may refuse treatment
- Employers must renew immediately
- You’re technically in violation of Saudi law
Pro Tip: Set a phone reminder 30 days before expiry to ensure renewal happens on time!
CCHI Insurance Check for Specific Situations
For New Arrivals in Saudi Arabia
Just arrived? Here’s when and how to check:
Timeline:
- Day 1-7: Your employer processes insurance
- Day 7-14: Insurance typically activates
- Day 14+: You should be able to check online
What to Check:
- Use border number (received at airport/border)
- Check every 2-3 days until insurance appears
- Once active, verify all details are correct
- Save policy number and insurance company info
If Nothing Shows After 2 Weeks: Contact your employer’s HR department immediately!
For Iqama Renewal
Your Iqama renewal checklist includes insurance verification:
30 Days Before Renewal:
- Check current insurance expiry date
- Ensure it covers beyond Iqama renewal date
- If expiring soon, remind employer
During Renewal Process:
- Jawazat (immigration) verifies insurance automatically
- They check through CCHI system
- Invalid insurance = renewal rejected
After Renewal:
- Verify new Iqama shows correct insurance
- Keep insurance card updated
- Ensure family members’ insurance also renewed
For Visit Visa Holders
Family visit visa insurance works differently:
Check Using:
- Passport number (most common)
- Visa number
- Border number
What to Verify:
- Insurance starts from visa issue date
- Coverage duration matches visa validity
- Insurance company is CCHI-approved
- Coverage meets minimum requirements
Important: Visit visa insurance is usually purchased by your sponsor (the person inviting you). If insurance doesn’t show up, contact them immediately.
For Tourist Visa
Tourist visas include mandatory insurance:
How It Works:
- Insurance automatically included with visa
- Cost bundled into visa fee
- Usually covers full visa duration
- Basic medical coverage provided
Check Method:
- Passport number on CCHI visitor portal
- Visa number also works
- Should appear immediately after visa approval
Coverage Typically Includes:
- Emergency medical treatment
- Hospital admission
- Ambulance services
- Repatriation (if needed)
For Umrah and Hajj Pilgrims
Pilgrimage visas have specific insurance requirements:
Umrah Insurance:
- Mandatory for all Umrah visa holders
- Covers medical emergencies during stay
- Check using passport or visa number
- Usually arranged by Umrah package provider
Hajj Insurance:
- Comprehensive coverage required
- Higher limits due to crowd-related risks
- Includes COVID-19 coverage (currently)
- Verify before departing for Saudi Arabia
Verification: Always check BEFORE traveling to Saudi Arabia to ensure insurance is active!
Common Problems and Solutions
Problem 1: “No Insurance Found”
Possible Reasons:
- Insurance not yet processed
- Wrong document number entered
- Typo in your entry
- System delay (especially for new policies)
Solutions:
- Double-check the number you entered
- Try alternate document numbers (Iqama vs. Passport)
- Wait 24-48 hours if policy just issued
- Contact your employer or sponsor
- Call CCHI helpline: 920001177
Problem 2: “Insurance Expired”
Immediate Actions:
- Contact employer HR department TODAY
- Cannot delay – legal implications
- Employer must renew within days
- Check daily until renewal shows
Temporary Situation:
- Some employers renew just before Iqama renewal
- Still risky – push for early renewal
- Keep documentation of your renewal requests
Problem 3: Wrong Information Displayed
Common Errors:
- Wrong name spelling
- Incorrect dependent information
- Wrong insurance class
- Missing family members
Solution Steps:
- Screenshot the incorrect information
- Contact your insurance company directly
- Contact employer HR with proof
- Request correction in CCHI system
- Verify correction within 1 week
Problem 4: Family Members Not Showing
Why This Happens:
- Employer didn’t register dependents
- Registration in progress
- Wrong Iqama numbers provided
What to Do:
- Check each family member individually
- Use their Iqama numbers, not yours
- Contact HR to verify family registration
- Ensure marriage certificate/birth certificates submitted
Problem 5: Website Not Loading
Technical Fixes:
- Clear browser cache and cookies
- Try different browser (Chrome works best)
- Disable VPN if using one
- Try from different device
- Use mobile data instead of WiFi
- Try during off-peak hours (early morning)
Hospital List: Finding CCHI-Approved Facilities
Knowing your insurance is valid is half the battle – you also need to know WHERE you can use it!
How to Find Approved Hospitals
Method 1: Daman CHI App
- Open app
- Click “Medical Network” or “Hospitals”
- See map with all approved facilities
- Filter by: hospital, clinic, pharmacy
- Get directions directly
Method 2: CCHI Website
- Visit CHI website
- Look for “Healthcare Providers” section
- Search by city or location
- Filter by insurance class
- Download complete list
Method 3: Insurance Company Website
- Visit your specific insurance company site
- Find “Network Hospitals” section
- Enter your city
- Download PDF list
Method 4: Call Insurance Company
- Number listed on your insurance card
- Ask for hospitals near your location
- Request they SMS/email the list
Important: Always verify a hospital is in-network BEFORE receiving treatment (except emergencies). Out-of-network visits might not be covered!
Emergency Situations
In True Emergencies:
- Go to nearest hospital immediately
- All hospitals must stabilize emergencies
- Insurance companies reimburse emergency care
- Even out-of-network hospitals
But Remember:
- Get approval for follow-up treatment
- Transfer to in-network hospital after stabilization
- Keep all receipts and medical reports
- File claim immediately
CCHI Contact Information
Need help? Here are all official contact channels:
CCHI Customer Service:
- Phone: 920001177
- Hours: Sunday – Thursday, 8:00 AM – 4:00 PM
- Language Support: Arabic and English
Email Support:
- General inquiries
- Complaint submission
- Technical issues
Physical Address: Council of Health Insurance
Riyadh, Saudi Arabia
Social Media:
- Twitter: @saudicchi (most responsive)
- Website: chi.gov.sa
Response Time:
- Phone: Usually 5-10 minute wait
- Email: 2-3 business days
- Twitter: Often same-day response
Legal Requirements You Should Know
Understanding the legal framework helps you stay compliant:
For Employers
Legal Obligations:
- Must provide insurance to ALL expatriate employees
- Must cover eligible dependents (spouse, children)
- Must renew before expiry
- Cannot deduct insurance cost from salary (for basic coverage)
- Failure = fines and penalties
For Employees
Your Rights:
- Entitled to health insurance from day one
- Can check insurance status anytime
- Can complain if coverage inadequate
- Can file complaints against employer for non-compliance
Your Responsibilities:
- Verify insurance is active
- Keep insurance card with you
- Use only network hospitals (except emergencies)
- Inform employer of family status changes
For Visitors
Requirements:
- Valid insurance for entire visit duration
- Minimum coverage amounts apply
- Must be CCHI-approved insurance
- May be checked at border entry
Tips for Managing Your CCHI Insurance
Set Reminders:
- 60 days before expiry: Remind employer
- 30 days before: Follow up if not renewed
- 15 days before: Escalate if still pending
- 7 days before: Consider filing complaint
Keep Documentation:
- Save insurance card photo in phone
- Screenshot insurance details from CCHI
- Keep policy number in phone notes
- Save insurance company contact number
Regular Checks:
- Check insurance status every 3 months
- Verify after Iqama renewal
- Check after changing employers
- Verify after adding family members
Know Your Benefits:
- Read your policy schedule of benefits
- Understand what’s covered and what’s not
- Know your deductible percentage
- Understand claim procedures
Use the Daman App:
- Seriously, download it!
- Enable notifications
- Add family members
- Use hospital finder feature
Frequently Asked Questions
Is CCHI insurance check free?
Yes! Completely free. No fees for checking your insurance status online through official CCHI channels.
How often should I check my insurance?
Every 3-4 months, and definitely:
- Before Iqama renewal
- After changing jobs
- When adding family members
- If planning medical procedures
What if my employer didn’t provide insurance?
This is illegal. Options:
- Report to Ministry of Human Resources
- File complaint with CCHI
- Contact labor office
- May need to seek legal advice
Can I buy my own health insurance?
For residents: Your employer must provide it (not optional).
For visitors: Yes, you can purchase private insurance if needed beyond visa coverage.
What happens if I work with expired insurance?
- You’re at legal risk
- Cannot renew Iqama
- Employer faces penalties
- You might face deportation risk
- Medical treatment complications
How long does insurance renewal take?
Usually 1-3 business days once processed by employer. Shows in CCHI system within 24-48 hours after activation.
Can I switch insurance companies?
Only your employer can change insurance providers. You cannot switch individually.
What’s covered under basic CCHI insurance?
Minimum coverage includes:
- Doctor consultations
- Hospital admission
- Emergency services
- Prescribed medications
- Diagnostic tests
- Maternity care (for eligible beneficiaries)
Final Thoughts
Checking your CCHI insurance shouldn’t be stressful. With multiple methods available – the official website, Daman mobile app, or Absher platform – you can verify your coverage in under 2 minutes.
Whether you’re an Iqama holder managing your residency, a visitor exploring Saudi Arabia, or an Umrah pilgrim on a spiritual journey, valid health insurance isn’t just a legal requirement – it’s your safety net in medical emergencies.
My advice? Make CCHI insurance checks a regular habit. Set quarterly reminders, download the Daman app, and always verify your expiry date well in advance. The few minutes you spend checking could save you from major complications later.
Saudi Arabia takes health insurance compliance seriously, and so should you. Stay informed, stay covered, and stay healthy!
Quick Reference Card:
Main Website: chi.gov.sa
Direct Check: chi.gov.sa/en/ServicesDirectory/pages/eservices-checkinsurance.aspx
Mobile App: Daman CHI (Android & iOS)
Helpline: 920001177
Cost: Free
Time: Under 2 minutes
Works With: Iqama, Passport, Border Number, Visa Number
Available: 24/7 online access
Remember: Check insurance → Verify expiry date → Set reminders → Stay compliant! ✅
Stay covered, stay safe! 🏥
Useful Links:
Makkah Bus Route: Your Complete Guide to Navigating the Holy City
Riyadh Postal Code: Your Complete Guide to الرمز البريدي الرياض
Saudi Arabia Postal Code: Complete Guide to ZIP Codes in All Cities (2025)
How to Check STC Balance in Saudi Arabia: Quick & Easy Methods
How to Check How Many SIMs Are Registered on My Iqama (2025 Guide)
Border Number Check: How to Find Your Iqama Number in Saudi Arabia (2025)
How to Check MOL KSA Iqama Huroob Status: Complete 2025 Guide
