Licensed by the Saudi Central Bank, UCA delivers insurance coverage in several areas, including health, property, casualty, marine, aviation, engineering, and energy. Its operations are managed by a team of highly qualified Saudi professionals, based in its Riyadh headquarters and supported by branches across the Kingdom. UCA is dedicated to providing insurance products that meet the highest standards of quality and professionalism; ensuring client satisfaction, and strengthening its reputation for reliability.
Who we are
United Cooperative Assurance (UCA) is a leading Saudi national insurer, established with a clear vision to provide comprehensive insurance solutions that promote stability for individuals and businesses alike.
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Years of Experience
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Satisfied Clients
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Successful Projects
Services we offer
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Excellence
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01.
A Proven Track Record
Since our inception, clients have been at the heart of everything we do. We have built a solid track record of delivering reliable, integrated insurance solutions for individuals and businesses—driven by an unwavering commitment to evolve, refine, and raise the standards of our service.
02.
Tailored Insurance Solutions
We provide a comprehensive portfolio of insurance products, carefully crafted to align with your unique requirements—delivering the protection you seek with the highest level of expertise and precision.
03.
Commitment to Quality and Governance
UCA upholds the highest standards of quality, compliance, and corporate governance—earning customer trust and ensuring their best interests are always served.
04.
Comprehensive Support Network & Effective Customer Service
Our network spans branches and service centers throughout the Kingdom, staffed by specialized teams ready to provide support and deliver a seamless, professional insurance experience.
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Frequently Asked
Questions
How can I purchase an insurance policy from UCA?
You can purchase a policy online through our official website with a simple, fast process—just fill in your details, select your coverage, and pay electronically. Alternatively, you can visit one of our branches or contact our customer service center for assistance.
How can I track my application or policy, or check the status of my claim?
You can easily track your policy and claims status through our online portal or mobile app. After logging in, you’ll find a section called “Policies and Claims” to view your documents or the status of your claim.
What are the official customer service hours?
Our customer service center operates Sunday to Thursday, from 8:00 a.m. to 4:00 p.m. You can also reach us 24/7 via our digital channels and website services or through our mobile app.
I can’t log in to my account and I’m getting an error message. What should I do?
If you’re having trouble logging in, please make sure your username and password are correct. If the issue continues, use the “Forgot Password” feature or contact our technical support team for immediate help.
How can I check the details of my health insurance coverage?
You can review your coverage details by checking your insurance policy, logging into your customer portal, or contacting customer service. You may also consult the benefits schedule attached to your policy.
How do I know which hospitals and medical centers are included?
UCA provides a wide medical network throughout the Kingdom. You can view the list of approved healthcare providers via our website, mobile app, or by contacting customer service.
Can I use my insurance as soon as the policy is issued?
Yes, you can use your insurance as soon as the policy is activated and linked to the Council of Health Insurance, which usually takes between 24 to 72 hours after issuance.
Can I get reimbursed for medical expenses I paid out of pocket?
Yes, you can submit a claim for reimbursement by filling out the claims form, attaching invoices and medical reports, and submitting them via our online portal or dedicated claims email.
Does health insurance cover chronic illnesses?
Yes, chronic illnesses are covered according to the terms and conditions in your policy’s benefits schedule. Please review your policy for details.
Does UCA offer health insurance for individuals and families?
Currently, UCA provides group medical insurance for companies and organizations only. Individual and family health insurance is not directly available at this time.
What if my insurance is not linked to the Health Insurance Council platform?
Please contact our support team or visit a branch to verify and update your policy linkage immediately.
How do I add a family member (such as a newborn) to my insurance policy?
You can request to add family members through the online portal or via your company’s insurance representative, attaching the required documents such as a birth certificate or ID.
How can I get an insurance certificate or official letter?
You can issue certificates electronically via your online account or mobile app, or by contacting customer service.
How can I track pre-approval or medical authorization status?
You can track your approval status through the mobile app or by contacting the medical approvals center at our main number.
I’m outside the Kingdom—can I inquire about coverage?
Absolutely. You can reach us from anywhere by email or through digital channels, and we’ll provide all the information regarding coverage during travel or treatment abroad (if included in your policy).
How can I renew my health insurance policy?
Health insurance is renewed through your employer or contracting institution, as current policies are limited to group coverage. Please contact your company’s insurance officer for renewal details.
Can I insure or renew my vehicle online?
Yes, you can easily issue or renew your insurance policy through our website or mobile app.
What is comprehensive motor insurance?
Comprehensive insurance covers damage to your vehicle and to third parties in the event of an accident. Depending on your policy, it may also include additional coverage for fire, theft, and natural disasters.
How can I get a quote for insuring a personal or company vehicle?
You can request a quote online or by contacting our sales team, who will provide a customized offer based on your vehicle type and usage.
How do I file a claim?
If an accident occurs, be sure to obtain an official report (from Najm or the police), then fill out the claims form and attach the required documents through the unified claims portal on our website.
I can’t insure my vehicle and I get an error message. Why?
Please make sure the information you entered is correct. If the problem persists, contact us via technical support or our main number.
Can I upgrade my third-party policy to a comprehensive policy?
It is not possible to upgrade an issued third-party policy to comprehensive coverage. If you wish to have comprehensive insurance, you must issue a new policy in accordance with the required conditions and cancel the previous third-party policy.
How can I add an additional driver to my insurance policy?
You can add another driver covered by your policy by logging into your account and updating the policy, or by contacting us directly.
How is my policy linked to Najm?
Linking is done automatically online after the policy is issued to ensure fast claims processing and coordination with the relevant authorities.
How can I benefit from discounts?
Discounts include no-claims discounts, company discounts, and discounts related to the driver’s age and insurance history. Discounts appear automatically during pricing.
Can I get a loss record for my company?
Yes, you can request a loss record officially by email or by visiting one of our branches.
How do I get a copy of my vehicle insurance policy?
You can download a copy of your policy anytime through your account on the website or app, or by requesting it via our main number.