Comprehensive Analysis of Bupa Health Insurance in Saudi Arabia

This report provides a detailed analysis of Bupa health insurance provisions in Saudi Arabia, focusing on the benefits offered to employees. It examines the Tebtom program, comparing it to other insurance options like Al Rajhi Banking and Investment Corporation. The report highlights how employees can utilize health insurance, the differences in payment methods, and the reasons behind choosing Bupa as a leading provider. It also explores the necessity of health coverage, its benefits for both companies and employees, and offers a comparison with health insurance in other countries, considering the influence of Sharia law. The report concludes with a recommendation for Bupa to develop specific insurance categories for students. It also includes a list of references used for the report.

INSURANCE
PROVISIONS IN SAUDI
ARABIA
NAME OF THE STUDENT, NAME OF THE UNIVERSITY

CHOSEN
ORGANIZATIO
N
The chosen organization is Bupa.
Bupa began working in the
United Kingdom
(Bupa.com.sa.,2019).
It aims to help people live
longer, happier and healthier
lives.

WHAT
BENEFITS
THE
EMPLOYEES
WILL
OBTAIN
THROUGH
THIS
COVERAGE?
The organization being considered here is
Al Rajhi Banking and Investment
Corporation (Jedidia & Medhioub, 2015).
 Employees at this organization can be
covered under the general as well as the
Tebtom programs
 The Tebtom program covers a Bupa
Doctor, Child Care & Maternity, Elderly
Care, Chronic Care, Cancer Care as well
as International Second Medical Opinion

HOW
EMPLOYEES
CAN
UTILIZE
HEALTH
INSURANCE
?
The employees can avail this insurance to
add to the benefits of the individuals in case
of any medical need or urgency.
Medical needs are urgent and expensive at
the same time. Bupa has diversified and
specially programmed services to cater to the
variety of diseases and provide financial
assistance to its customers (Sajjad & Qureshi,
2018).
Bupa is trying to bring more and more women
as members who can avail these services and
this can be very helpful.

DIFFERENC
E BETWEEN
MEANS OF
PAYMENT
OF HEALTH
SERVICES
The Al Rajhi Banking and Investment
Corporation provides the best insurance
like Bupa Arabia (Bupa.com.sa.,2019).
The difference in the payment of health
services include the following:
• Easy Options of payment for the
Premium
• Availability of Credit as well as Debit
cards payment options besides net
banking and cash methods.
• Diverse yet specific services based

EXPLAIN
WHY THIS
PROVIDER
WAS
CHOSEN
FROM
OTHER
PLANS
There are several reasons for choosing
Bupa over other companies in Saudi
Arabia (Alshahrani & Raheel, 2016). These
are as follows:
• Bupa is the leading health insurance
provider in Saudi Arabia.
• Bupa provides reimbursement claims in
record time.
• It enhances its service through
extensive market research and adapts
to the market needs.
• Bupa has its representatives located at
the largest hospitals to choose from a
wide scheme of healthcare services.
• Bupa provides affordable services

DESCRIPTION
OF THE
NECESSITY OF
HEALTH
COVERAGE
AND HOW IT
BENEFITS THE
COMPANY
AND ITS
EMPLOYEES
Bupa respects the Sharia law
and focuses on sustainable
growth, keeping them in mind
(Akhtar,2018) .
It focuses on the four kinds of
strata of the income groups in
the society, based on the
societal structure as:
• Saudi Family
• Expat Individuals
• Domestic Help

COMPARISIO
N AND
CONTRAST
OF THE
HEALTH
INSURANCE
WITH THAT
PROVIDED IN
THE OTHER
COUNTRIES
In case of other countries
that are not a theocratic state or
follow any stringent laws like the
Sharia or are governed by the
orthodox principles of religion,
the services can become more
flexible.
However, such laws also
enforce the presence of a
disciplined and streamlined
fashion of policy making in case

RECOMMENDATI
ON
Bupa can focus on the
development of a separate
category of the services
that primarily aims at the
students, both resident and
non0-resident to avail
budget insurances (Ali &
Tausif, 2018).

REFERENCE
S
Akhtar, M. H. (2018). Performance analysis of Takaful and
conventional insurance companies in Saudi Arabia.
Benchmarking: An International Journal, 25(2),
677-695.
Alharbi, M. F., & Qassim, K. S. A. (2017). An empirical analysis of
customer satisfaction with cooperative health insurance in
Saudi Arabia: The role of customer knowledge, service
characteristics, and national culture. International Journal
of Heath Science and Research, 7(11), 234-246.
Ali, A., & Tausif, M. R. (2018). Service quality, customers’
satisfaction, and profitability: an empirical study of Saudi Arabian
insurance sector. Investment Management and Financial
Innovations, 15(2), 232-247.
Alshahrani, A. M., & Raheel, S. A. (2016). Health-care System and
Accessibility of Dental Services in Kingdom of Saudi Arabia: An
Update. Journal of International Oral Health, 8(8).
Arabia. Retrieved 19 September 2019, from
https://bupa.com.sa/en/family/aramco
Almasabi, M. (2013). An overview of health system in Saudi Arabia.
Res J Med Sci, 7, 70-4.
Bupa - an international healthcare company. (2019). Our
organisation. Retrieved 19 September 2019, from
https://www.bupa.com/corporate/who-we- are/our-organisation
Bupa.com.sa. (2019). Medical Health Insurance for Aramco Family
- Bupa Sajjad, Sajjad, R., & Qureshi, M. O. (2018). An assessment
of the healthcare services in the Kingdom of Saudi Arabia: an
analysis of the old, current, and future systems.

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