Are you an expat living in Kuwait and wondering how much health insurance will cost you?
While Kuwait has a public healthcare system, it can be limited for expats, especially in terms of speed, privacy, and English-speaking care. Private healthcare facilities offer a higher standard of care but can be expensive without insurance.
Having a comprehensive health insurance plan ensures you have access to top private hospitals in Kuwait City and beyond, along with international coverage if you need treatment abroad.
How Much Does Expat Health Insurance Cost in Kuwait?
The cost of expat health insurance in Kuwait depends on several factors, including:
- Age – Premiums increase with age, especially for expats over 50.
- Coverage Level – Basic plans cover hospitalization, while comprehensive plans include outpatient care, dental, and maternity.
- Pre-Existing Conditions – Generally, pre-existing conditions wont be covered. However, some plans may provide limited benefits depending on the severity of the condition and insurer’s terms.
Kuwait has modern private hospitals such as Dar Al Shifa, Royale Hayat, and Al Seef Hospital that cater to expats, but for high costs treatments they often require upfront payment or guarantee’s of payment by your insurer before treatment.
Estimated Annual Costs for Expat Health Insurance in Kuwait
We work with all leading brand insurers. Below is a guide of annual premiums from Optimum Global, a very well respected insurer known for it’s comprehensive plans and excellent value for money, backed by the AXA Group.
| Age Group | Basic Plan (Hospitalization Only) Annual Cost | Mid-Tier Plan (Inpatient + Outpatient) Annual Cost | Premium Plan (Comprehensive Coverage) Annual Cost |
|---|---|---|---|
| 35–39 | US$1,320 | US$2,329 | US$3,200 |
| 40–44 | US$1,574 | US$2,663 | US$3,676 |
| 45–49 | US$1,798 | US$3,068 | US$4,098 |
| 50–54 | US$2,012 | US$3,414 | US$4,659 |
| 55–59 | US$2,628 | US$4,258 | US$5,852 |
| 60–64 | US$3,316 | US$5,426 | US$7,756 |
| 65–69 | US$4,440 | US$7,255 | US$10,370 |
| 70–74 | US$5,807 | US$9,668 | US$13,752 |
Note: Prices vary based on coverage level, deductibles, insurer, and individual health factors.
Expat Insurance Rate Calculator
Why Expats in Kuwait Need Health Insurance
- Private Hospital Access: While Kuwait has public healthcare, private hospitals offer faster, more comfortable care. Insurance ensures access without large upfront costs.
- Medical Evacuation Coverage: Some expats may require treatment abroad. Insurance plans with evacuation benefits can arrange and cover international transfer.
- Visa Requirements: Health insurance may be required for certain long-term residence permits or employer contracts.
- Protection Against High Costs: Major surgeries or specialist treatments can be costly. Insurance provides peace of mind and financial protection.
At One World Cover, we help expats find comprehensive, flexible coverage to match their needs and budget.
- Coverage for top private hospitals in Kuwait
- Country specific, or global coverage options
- Flexible plans for inpatient, outpatient, and maternity care
Don’t wait for an emergency. Get covered today.
About the Insurer – Optimum Global
Optimum Global are one of the most competitive brand health insurers in the market.
Optimum Global policies are reinsured by AXA PPP healthcare, part of the AXA Group, which is a Tier 1 global health insurer.
You want a reliable insurer behind you, and at the same time at competitive costs – Optimum Global is this.
Emerald Plan Detailed TOB
| Plan | Emerald |
| Annual Policy Maximum | $1,000,000 |
| 1. HOSPITAL AND RELATED SERVICES | |
| In-hospital accommodation, surgery, treatment, facilities & services | In Full |
| Cancer treatment (in-patient & out-patient) | In Full |
| Kidney dialysis (in-patient & out-patient) | $50,000 |
| In-patient physiotherapy treatment | In Full |
| Day surgery | In Full |
| Psychiatric treatment (after 10 months coverage) | Maximum 100 days per lifetime membership |
| Hospital accommodation for accompanying parent of insured child | $160 per night up to $800 per year |
| Emergency local road ambulance services | In Full |
| Emergency treatment outside area of cover – not exceeding forty-five (45) days per trip | Not Covered |
| Home nursing care following discharge from hospital | |
| Hospital cash per night for non-paying patient (max 30 days per disability) | |
| Accidental dental treatment | $8,000 |
| Chronic medical conditions | $10,000 |
| Congenital conditions | Not Covered |
| 2. PRE & POST HOSPITALISATION | |
| Pre Hospitalisation medical expenses | In Full |
| Prescribed Post Hospital Treatment following an eligible In-hospital admission (up to max 30 days following discharge) | In Full |
| 3. ORGAN TRANSPLANT | |
| Operation costs for kidney, heart, liver, lung and bone marrow transplants (excluding cost of obtaining organ donor) | $100,000 |
| 4. EMERGENCY MEDICAL EVACUATION AND REPATRIATION | |
| Medical evacuation and repatriation | In Full |
| Repatriation of mortal remains | In Full |
| Compassionate travel for family member | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days |
| 5. OUT-PATIENT BENEFITS | |
| Family doctor consultations | $500 |
| Family doctor prescribed drugs & dressings | |
| Drugs Prescribed by Specialists (including take home drugs following a hospital admission) | |
| Specialist consultations | |
| External prostheses and appliances | |
| Chronic medical conditions | |
| Laboratory, x-ray & diagnostic services (inc. CT, PET & MRI Scans) | $1,000 |
| Out-patient psychiatric treatment – after 10 months of coverage | Not Covered |
| Prescribed physiotherapy, speech & oculomotor therapy | |
| Accidental dental treatment | |
| Alternative medicine | |
| Emergency room accident & emergency services | $1,000 |
| Vaccinations | Not Covered |
| Well being benefit – after 12 months coverage | |
| 6. COMPLICATIONS OF MATERNITY (subject to 10 months waiting period) | |
| Complications of maternity | Not Covered |
| OPTIONAL BENEFITS | |
| 1. MATERNITY BENEFITS (subject to 10 months waiting period) | |
| Delivery (including anaesthetist fee, pre and post natal care, first five days checks & accommodation for newborn) | Not Covered |
| Newborn cover – (non-routine care for 30 days after birth) | |
| 2. DENTAL | |
| Routine dental treatment | Not Covered |
| Restorative dental treatment | |
| 3. OPTICAL (available for Group business only) | |
| Coverage for eye examination annually and cover for glasses applicable every 2 years (subject to 20% co-payment) | Not Covered |
Sapphire Plan Detailed TOB
| Plan | Sapphire |
| Annual Policy Maximum | $2,000,000 |
| 1. HOSPITAL AND RELATED SERVICES | |
| In-hospital accommodation, surgery, treatment, facilities & services | In Full |
| Cancer treatment (in-patient & out-patient) | In Full |
| Kidney dialysis (in-patient & out-patient) | In Full |
| In-patient physiotherapy treatment | In Full |
| Day surgery | In Full |
| Psychiatric treatment (after 10 months coverage) | In Full |
| Hospital accommodation for accompanying parent of insured child | In Full |
| Emergency local road ambulance services | In Full |
| Emergency treatment outside area of cover – not exceeding forty-five (45) days per trip | Up to $50,000 in USA & Canada |
| (In Full for all other countries) | |
| Home nursing care following discharge from hospital | $10,000 (up to 26 weeks max per policy year) |
| Hospital cash per night for non-paying patient (max 30 days per disability) | $150 |
| Accidental dental treatment | In Full |
| Chronic medical conditions | In Full |
| Congenital conditions | $30,000 |
| 2. PRE & POST HOSPITALISATION | |
| Pre Hospitalisation medical expenses | In Full |
| Prescribed Post Hospital Treatment following an eligible In-hospital admission (up to max 30 days following discharge) | In Full |
| 3. ORGAN TRANSPLANT | |
| Operation costs for kidney, heart, liver, lung and bone marrow transplants (excluding cost of obtaining organ donor) | In Full |
| 4. EMERGENCY MEDICAL EVACUATION AND REPATRIATION | |
| Medical evacuation and repatriation | In Full |
| Repatriation of mortal remains | In Full |
| Compassionate travel for family member | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days |
| 5. OUT-PATIENT BENEFITS | |
| Family doctor consultations | Not Covered |
| Family doctor prescribed drugs & dressings | |
| Drugs Prescribed by Specialists (including take home drugs following a hospital admission) | |
| Specialist consultations | |
| External prostheses and appliances | |
| Chronic medical conditions | |
| Laboratory, x-ray & diagnostic services (inc. CT, PET & MRI Scans) | $1,000 |
| Out-patient psychiatric treatment – after 10 months of coverage | Not Covered |
| Prescribed physiotherapy, speech & oculomotor therapy | |
| Accidental dental treatment | |
| Alternative medicine | |
| Emergency room accident & emergency services | In Full |
| Vaccinations | Not Covered |
| Well being benefit – after 12 months coverage | |
| 6. COMPLICATIONS OF MATERNITY (subject to 10 months waiting period) | |
| Complications of maternity | In Full |
| OPTIONAL BENEFITS | |
| 1. MATERNITY BENEFITS (subject to 10 months waiting period) | |
| Delivery (including anaesthetist fee, pre and post natal care, first five days checks & accommodation for newborn) | Not Covered |
| Newborn cover – (non-routine care for 30 days after birth) | |
| 2. DENTAL | |
| Routine dental treatment | Not Covered |
| Restorative dental treatment | |
| 3. OPTICAL (available for Group business only) | |
| Coverage for eye examination annually and cover for glasses applicable every 2 years (subject to 20% co-payment) | Not Covered |
Ruby Plan Detailed TOB
| Plan | Ruby |
| Annual Policy Maximum | $3,000,000 |
| 1. HOSPITAL AND RELATED SERVICES | |
| In-hospital accommodation, surgery, treatment, facilities & services | In Full |
| Cancer treatment (in-patient & out-patient) | In Full |
| Kidney dialysis (in-patient & out-patient) | In Full |
| In-patient physiotherapy treatment | In Full |
| Day surgery | In Full |
| Psychiatric treatment (after 10 months coverage) | $5,000 |
| Hospital accommodation for accompanying parent of insured child | In Full |
| Emergency local road ambulance services | In Full |
| Emergency treatment outside area of cover – not exceeding forty-five (45) days per trip | Up to $75,000 in USA & Canada |
| (In Full for all other countries) | |
| Home nursing care following discharge from hospital | $10,000 (up to 26 weeks max per policy year) |
| Hospital cash per night for non-paying patient (max 30 days per disability) | $150 |
| Accidental dental treatment | In Full |
| Chronic medical conditions | In Full |
| Congenital conditions | Not Covered |
| 2. PRE & POST HOSPITALISATION | |
| Pre Hospitalisation medical expenses | In Full |
| Prescribed Post Hospital Treatment following an eligible In-hospital admission (up to max 30 days following discharge) | In Full |
| 3. ORGAN TRANSPLANT | |
| Operation costs for kidney, heart, liver, lung and bone marrow transplants (excluding cost of obtaining organ donor) | In Full |
| 4. EMERGENCY MEDICAL EVACUATION AND REPATRIATION | |
| Medical evacuation and repatriation | In Full |
| Repatriation of mortal remains | In Full |
| Compassionate travel for family member | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days |
| 5. OUT-PATIENT BENEFITS | |
| Family doctor consultations | $3,500 |
| Family doctor prescribed drugs & dressings | |
| Drugs Prescribed by Specialists (including take home drugs following a hospital admission) | |
| Specialist consultations | |
| External prostheses and appliances | |
| Chronic medical conditions | |
| Laboratory, x-ray & diagnostic services (inc. CT, PET & MRI Scans) | |
| Out-patient psychiatric treatment – after 10 months of coverage | |
| Prescribed physiotherapy, speech & oculomotor therapy | |
| Accidental dental treatment | Not Covered |
| Alternative medicine | $500 |
| Emergency room accident & emergency services | In Full |
| Vaccinations | Not Covered |
| Well being benefit – after 12 months coverage | |
| 6. COMPLICATIONS OF MATERNITY (subject to 10 months waiting period) | |
| Complications of maternity | In Full |
| OPTIONAL BENEFITS | |
| 1. MATERNITY BENEFITS (subject to 10 months waiting period) | |
| Delivery (including anaesthetist fee, pre and post natal care, first five days checks & accommodation for newborn) | $7,000 |
| Newborn cover – (non-routine care for 30 days after birth) | $30,000 |
| 2. DENTAL | |
| Routine dental treatment | $800 (20% Co-pay) |
| Restorative dental treatment | $1,500 (20% Co-pay) |
| 3. OPTICAL (available for Group business only) | |
| Coverage for eye examination annually and cover for glasses applicable every 2 years (subject to 20% co-payment) | $200 |
Jade Plan Detailed TOB
| Plan | Jade |
| Annual Policy Maximum | $5,000,000 |
| 1. HOSPITAL AND RELATED SERVICES | |
| In-hospital accommodation, surgery, treatment, facilities & services | In Full |
| Cancer treatment (in-patient & out-patient) | In Full |
| Kidney dialysis (in-patient & out-patient) | In Full |
| In-patient physiotherapy treatment | In Full |
| Day surgery | In Full |
| Psychiatric treatment (after 10 months coverage) | In Full |
| Hospital accommodation for accompanying parent of insured child | In Full |
| Emergency local road ambulance services | In Full |
| Emergency treatment outside area of cover – not exceeding forty-five (45) days per trip | Up to $100,000 in USA & Canada |
| (In Full for all other countries) | |
| Home nursing care following discharge from hospital | $10,000 (up to 26 weeks max per policy year) |
| Hospital cash per night for non-paying patient (max 30 days per disability) | $200 |
| Accidental dental treatment | In Full |
| Chronic medical conditions | In Full |
| Congenital conditions | $50,000 |
| 2. PRE & POST HOSPITALISATION | |
| Pre Hospitalisation medical expenses | In Full |
| Prescribed Post Hospital Treatment following an eligible In-hospital admission (up to max 30 days following discharge) | In Full |
| 3. ORGAN TRANSPLANT | |
| Operation costs for kidney, heart, liver, lung and bone marrow transplants (excluding cost of obtaining organ donor) | In Full |
| 4. EMERGENCY MEDICAL EVACUATION AND REPATRIATION | |
| Medical evacuation and repatriation | In Full |
| Repatriation of mortal remains | In Full |
| Compassionate travel for family member | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days |
| 5. OUT-PATIENT BENEFITS | |
| Family doctor consultations | $10,000 |
| Family doctor prescribed drugs & dressings | |
| Drugs Prescribed by Specialists (including take home drugs following a hospital admission) | |
| Specialist consultations | |
| External prostheses and appliances | |
| Chronic medical conditions | |
| Laboratory, x-ray & diagnostic services (inc. CT, PET & MRI Scans) | $4,000 |
| Out-patient psychiatric treatment – after 10 months of coverage | $1,500 |
| Prescribed physiotherapy, speech & oculomotor therapy | $1,500 |
| Accidental dental treatment | $1,000 |
| Alternative medicine | $1,000 |
| Emergency room accident & emergency services | In Full |
| Vaccinations | $500 |
| Well being benefit – after 12 months coverage | |
| 6. COMPLICATIONS OF MATERNITY (subject to 10 months waiting period) | |
| Complications of maternity | In Full |
| OPTIONAL BENEFITS | |
| 1. MATERNITY BENEFITS (subject to 10 months waiting period) | |
| Delivery (including anaesthetist fee, pre and post natal care, first five days checks & accommodation for newborn) | $7,000 |
| Newborn cover – (non-routine care for 30 days after birth) | $30,000 |
| 2. DENTAL | |
| Routine dental treatment | $800 (20% Co-pay) |
| Restorative dental treatment | $1,500 (20% Co-pay) |
| 3. OPTICAL (available for Group business only) | |
| Coverage for eye examination annually and cover for glasses applicable every 2 years (subject to 20% co-payment) | $250 |
Diamond Plan Detailed TOB
| Plan | Diamond |
| Annual Policy Maximum | $8,000,000 |
| 1. HOSPITAL AND RELATED SERVICES | |
| In-hospital accommodation, surgery, treatment, facilities & services | In Full |
| Cancer treatment (in-patient & out-patient) | In Full |
| Kidney dialysis (in-patient & out-patient) | In Full |
| In-patient physiotherapy treatment | In Full |
| Day surgery | In Full |
| Psychiatric treatment (after 10 months coverage) | In Full |
| Hospital accommodation for accompanying parent of insured child | In Full |
| Emergency local road ambulance services | In Full |
| Emergency treatment outside area of cover – not exceeding forty-five (45) days per trip | In Full |
| Home nursing care following discharge from hospital | $15,000 (up to 26 weeks max per policy year) |
| Hospital cash per night for non-paying patient (max 30 days per disability) | $300 |
| Accidental dental treatment | In Full |
| Chronic medical conditions | In Full |
| Congenital conditions | $75,000 |
| 2. PRE & POST HOSPITALISATION | |
| Pre Hospitalisation medical expenses | In Full |
| Prescribed Post Hospital Treatment following an eligible In-hospital admission (up to max 30 days following discharge) | In Full |
| 3. ORGAN TRANSPLANT | |
| Operation costs for kidney, heart, liver, lung and bone marrow transplants (excluding cost of obtaining organ donor) | In Full |
| 4. EMERGENCY MEDICAL EVACUATION AND REPATRIATION | |
| Medical evacuation and repatriation | In Full |
| Repatriation of mortal remains | In Full |
| Compassionate travel for family member | Cover in full for return economy class air ticket. Up to $125 per day for ancillary charges & max 14 days |
| 5. OUT-PATIENT BENEFITS | |
| Family doctor consultations | In Full |
| Family doctor prescribed drugs & dressings | |
| Drugs Prescribed by Specialists (including take home drugs following a hospital admission) | |
| Specialist consultations | |
| External prostheses and appliances | |
| Chronic medical conditions | |
| Laboratory, x-ray & diagnostic services (inc. CT, PET & MRI Scans) | In Full |
| Out-patient psychiatric treatment – after 10 months of coverage | $2,000 |
| Prescribed physiotherapy, speech & oculomotor therapy | $2,000 |
| Accidental dental treatment | $1,500 |
| Alternative medicine | $2,000 |
| Emergency room accident & emergency services | In Full |
| Vaccinations | $750 |
| Well being benefit – after 12 months coverage | |
| 6. COMPLICATIONS OF MATERNITY (subject to 10 months waiting period) | |
| Complications of maternity | In Full |
| OPTIONAL BENEFITS | |
| 1. MATERNITY BENEFITS (subject to 10 months waiting period) | |
| Delivery (including anaesthetist fee, pre and post natal care, first five days checks & accommodation for newborn) | $10,000 |
| Newborn cover – (non-routine care for 30 days after birth) | $50,000 |
| 2. DENTAL | |
| Routine dental treatment | $1,000 (20% Co-pay) |
| Restorative dental treatment | $2,000 (20% Co-pay) |
| 3. OPTICAL (available for Group business only) | |
| Coverage for eye examination annually and cover for glasses applicable every 2 years (subject to 20% co-payment) | $300 |
Important note: these plans are not available to expats in mainland China. If you are an expat living and working in mainland China, please click here to request an international health insurance quote (making sure to note your as ‘Country of Expat Residence’ as China).
