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Kuwait – Health Insurance

As an expat living in Kuwait, it is important to understand the country’s health insurance requirements and options available. In this article, we will explore the health insurance requirements in Kuwait, the state health insurance system, how to apply for it, and the advantages of international private medical insurance.

Health Insurance Requirements in Kuwait

Health insurance is mandatory for residents of Kuwait. All residents, including expats, are required to have health insurance coverage.

State Health Insurance System in Kuwait

Kuwait’s state health insurance system is called the Health Insurance Hospitalization and Treatment Law (HIHTL). The system provides healthcare coverage to Kuwaiti citizens and expats who work in the public sector and their dependents.

What does it cover?

The HIHTL system covers a range of healthcare services, including hospitalization, diagnostic tests, surgical procedures, prescription drugs, and dental care. The system also covers some preventive care services, including vaccinations.

How to Apply for Health Insurance Hospitalization and Treatment Law (HIHTL)

Expats who work in the public sector can apply for HIHTL coverage by following these steps:


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  1. Obtain a work permit: Expats must obtain a work permit in Kuwait.

  2. Apply for HIHTL coverage: Expats can apply for HIHTL coverage through their employer.

  3. Provide necessary documents: Expats will need to provide their work permit, residency permit, and passport.

  4. Pay premiums: HIHTL premiums are deducted from the expat’s salary each month.

Advantages of Private Insurance

While the HIHTL system in Kuwait offers comprehensive healthcare coverage to expats who work in the public sector, expats who do not work in the public sector or who desire additional coverage may consider purchasing international private medical insurance for several reasons:

Coverage for medical treatment outside of Kuwait

International private medical insurance can provide coverage for medical treatment outside of Kuwait, which may be necessary for expats who travel frequently or have medical conditions that require treatment outside of the country.

More comprehensive coverage

International private medical insurance can offer more comprehensive coverage than the HIHTL system, including coverage for elective procedures, alternative therapies, and treatments not covered by the HIHTL system.

Access to private healthcare facilities

International private medical insurance can provide access to private healthcare facilities, which may offer shorter wait times and more personalized care.

English-speaking assistance

Many international private medical insurance providers offer English-speaking assistance, which can be helpful for expats who are not fluent in Arabic.

Health insurance is mandatory for residents of Kuwait, including expats. The Health Insurance Hospitalization and Treatment Law (HIHTL) system in Kuwait provides healthcare coverage to eligible expats who work in the public sector, but expats who do not work in the public sector or who desire additional coverage may consider purchasing international private medical insurance. Expats living in Kuwait should research insurance providers and compare plans to find the one that best meets their needs.


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