Your guide to health insurance in Bahrain
The Kingdom of Bahrain is an archipelago country comprising of 33 islands. Despite its small population, it is considered one of the Gulf’s fastest-growing and most progressive economic centers, thanks to its huge petroleum deposits and low level of corruption, attracting throngs of expats to travel or work in the country.
If you are moving or traveling to Bahrain, you will certainly have many questions concerning their national medical insurance scheme and their healthcare system. This short guide below offers a sensory compendium of useful healthcare and insurance knowledge in Bahrain. Read on to learn more, or click the button below to obtain a no-obligation, free quote.
Mandatory health insurance in Bahrain
Public health insurance
Like other Gulf countries, Bahrain is currently implementing mandatory health insurance for all its citizens, as well as for expats and certain visitors. This law requires all Bahraini citizens, residents, and certain visitors to pay monthly contributions to a health insurance fund in order to access health services in public and private hospitals and health centers.
There will be two forms of health insurance in Bahrain: one for Bahraini citizens and one for residents and visitors. The government will be responsible for Bahraini contributions for compulsory health insurance, while employers will take care of financing those of expat residents. Through this dedicated health insurance fund, Bahraini nationals can access voluntary health insurance packages, which cover 60% of the costs of private sector hospitals or facilities. Foreign visitors will also be covered for emergency healthcare but the cost of visas will increase as a result.
Private health insurance
If you are an expatriate who is not working within Bahrain, you will have to pay for any medical treatment either out-of-pocket or through your international health insurance provider. Any health emergency that should arise and require immediate attention will not be provided by the public healthcare system. Since the healthcare costs for non-Bahraini citizens are rather expensive, it is advised that you take out a private health insurance policy during your stay in the country to cover the potential medical expenses.
It is also important to ensure that your health insurance plan covers emergency evacuation. Should you be unfortunate enough to be taken seriously ill, you might require transportation to another country for further treatment. The benefit of emergency evacuation can protect you from the exorbitant financial burden.
Public and private healthcare systems in Bahrain
The quality of healthcare provided by facilities in Bahrain is generally high, or at least equal to that in the United States and Western Europe. The country has 24 health centers, three clinics, a multidisciplinary medical facility (Salmaniya Medical Complex), a psychiatric hospital, a geriatric hospital, and four birthing centers. All Bahraini cities and major towns have at least one modern hospital, with highly trained staff and state-of-the-art equipment.
The types of healthcare facilities found within Bahrain include public, private, and military. Some poorer towns may have older facilities but are still ample to provide acceptable care for your medical needs. When receiving care within a private hospital, you’ll generally be treated in a single room rather than a ward. Meanwhile, some higher-end private hospitals offer care of a 5-star hotel standard but that, of course, comes with a steeper price tag. Some of Bahrain's more well-known medical facilities include the International Hospital of Bahrain, the American Mission Hospital, and the Bahrain Specialist Hospital.
With a wide variety of facilities available for both Bahraini nationals and expatriates, the problem of overcrowding is rarely seen at medical facilities. Hospitals and major clinics are open 24 hours a day and provide service on a first come, first served basis. Both Arabic and English are spoken throughout these facilities, with English being standard within private facilities because roughly 25% of the population are expats and they routinely treat foreign patients.
How to find the best medical insurance in Bahrain
Leveraging extensive years of experience and solid relationships with major insurance partners over the world, Pacific Prime can assist you with any health insurance needs in Bahrain. No matter what your budget is or what your requirements are, our professional consultants can match you with a policy that best fits you or your group. Our policies can cover a wide range of services including dental, maternity, transportation, inpatient services, and many more aspects. Please contact one of our dedicated advisers today for a free consultation.