Does my Saudi Tawuniya, Bupa Arabia, or MedGulf plan cover me in the USA?

No. Saudi CCHI-regulated health insurance plans (Tawuniya, Bupa Arabia, AXA Gulf, MedGulf, Al Rajhi Takaful) operate within Saudi Arabia's CCHI network of hospitals. They do not cover care in the United States. You need a separate international student plan for your time in the US.

I'm on a King Abdullah Scholarship — does the scholarship include health insurance?

The King Abdullah Scholarship Program (KASP) has historically provided some health coverage support through Saudi cultural missions. However, coverage details vary by year, program, and university. Verify your current coverage status with your Saudi cultural attaché and confirm it meets your university's minimum requirements before assuming you're covered.

What coverage is most important for Saudi students in the US?

Emergency medical ($100,000+) and mental health coverage are the two most critical. Many Saudi students experience cultural adjustment challenges, and having mental health counseling access is important. IMG Student Health Advantage includes both, along with prescription drugs and preventive care.

Does the plan cover me if I travel to Europe or Canada during semester breaks?

Yes. International student plans include worldwide coverage. Traveling to Europe, Canada, or other regions during breaks is covered under the same medical benefits.

How do I get a waiver letter for my US university?

Purchase a plan through Tower Hill, then email support@towerhillcorp.com with your university name and any waiver form. We provide a signed letter on company letterhead confirming your coverage. Most US universities accept this within 1–2 business days.

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Rank #10 origin country

29,645

Saudi Arabia students currently studying in the US

Health Insurance for Saudi Students in the USA

29,645 Saudi students study in the US. Your Saudi CCHI plan has no US network. Get compliant student health insurance from $30/month.

Get My Quote →📞 (832) 856-1704

Typical Annual Cost Comparison

University Health Plan

Auto-enrolled if no waiver

$1,600–$2,800/year

Tower Hill Private Plan

Equivalent or better coverage

$360–$540/year

✓ Save up to $2,400/year vs. university plan

Why Saudi Health Insurance Doesn't Work in the US

⚠️ Saudi Arabia's Ministry of Health system / CCHI-regulated private plans

Saudi Arabia's government health system covers Saudi nationals only at MOH hospitals in Saudi Arabia. CCHI-regulated private health insurance (Tawuniya, Bupa Arabia, MedGulf) covers treatment at network hospitals in Saudi Arabia. Neither provides coverage in the US.

Your Saudi insurance card is simply not accepted at US hospitals. US healthcare billing is entirely different — hospitals bill at full "chargemaster" rates to uninsured patients, which can be 3–10x higher than what insurance companies negotiate.

What Your US University Requires

Saudi students sponsored by the King Abdullah Scholarship Program (KASP) historically received some insurance support from the Saudi cultural mission. Verify current scholarship insurance status with the Saudi cultural attaché at your US embassy or consulate.

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$100,000+ medical coverage

Per accident or illness

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$50,000+ evacuation

Emergency transport

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$25,000+ repatriation

Return home if needed

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Deductible under $500

Per accident/illness

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Mental health benefits

Counseling & psychiatric

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US PPO network access

In-network care

Top US Universities for Saudi Students

1George Mason University

2University of Southern California

3Ohio State University

4Texas A&M University

5Arizona State University

Tower Hill provides waiver letters accepted at all major US universities. Contact support@towerhillcorp.com with your university's specific waiver requirements.

Compare Plans for Saudi Students

All plans are F-1 visa compliant, include US PPO network access, and are accepted as health insurance waivers at most US universities.

⭐ Most Recommended for Saudi Students

Most University-Accepted

IMG Global

Student Health Advantage

~$35/month

Accepted at 500+ US universities as a health insurance waiver. US PPO network, mental health, preventive care, prescription drugs.

✓F-1 & J-1 visa compliant

✓US PPO network

✓Mental health & counseling

✓Preventive care & vaccines

✓Prescription drug coverage

✓University waiver-ready

Get a Quote →

Best Price-to-Coverage

WorldTrips

Atlas America Student

~$30/month

Competitive pricing with strong US hospital network. Popular among budget-conscious international students who still want comprehensive coverage.

✓US PPO network access

✓Emergency medical

✓Mental health benefits

✓Telemedicine included

✓Sports & activities covered

✓Semester or annual

Get a Quote →

Most Affordable

Trawick International

Safe Travels USA Student

~$25/month

Lowest price point that meets most US university minimum requirements. Ideal for students needing basic compliance.

✓F-1 compliant

✓Emergency medical

✓Emergency evacuation

✓Repatriation of remains

✓Acute onset pre-existing

✓No deductible option

Get a Quote →

Navigating US Healthcare as a Saudi Student

Saudi students often come from families accustomed to high-quality, low-cost private healthcare in Saudi Arabia. US healthcare is high-quality but extremely expensive without insurance. Many Saudi students are surprised to find that their Saudi CCHI plan does not work at US hospitals.

Frequently Asked Questions

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Ready to Get Covered?

Get an instant quote for Saudi students studying in the US. University waiver letter included.

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