Cancel Medical Insurance
Canceling a medical insurance policy in Saudi Arabia can seem complicated, especially when you need to deal with policy documents, cancellation notices, refunds, and health-insurance records. If your medical insurance is provided by United Cooperative Insurance Group (ACIG), you can request cancellation by following the insurer’s official process.
ACIG currently identifies itself as Allied Cooperative Insurance Group (ACIG) on its website. Its official guidance states that a health-insurance policyholder may request cancellation at any time by submitting an official notice at least 30 business days before the requested cancellation date. (أسيج – ACIG)
This guide explains the ACIG medical-insurance cancellation process for 2026, the documents you may need, refund conditions, processing times, and what to do if your cancellation request is delayed.
What Is ACIG Medical Insurance?
ACIG is a Saudi cooperative insurance company that provides several types of insurance, including medical insurance for individuals and groups. Its medical products operate under the applicable Saudi health-insurance framework. (أسيج – ACIG)
For medical insurance, cancellation is different from simply allowing a policy to expire. If you want the policy terminated before its scheduled end date, you should submit a formal cancellation request to the insurer.
The company states that the policyholder can request cancellation by sending an official notice to ACIG at least 30 business days before the requested cancellation date. (أسيج – ACIG)
Can You Cancel ACIG Medical Insurance in 2026?
Yes. ACIG’s published health-insurance FAQ says that the policyholder is permitted to cancel the policy at any time, provided an official notice is sent to the company at least 30 business days before the requested cancellation date. (أسيج – ACIG)
However, cancellation does not necessarily mean that the entire unused premium will automatically be returned.
ACIG says that, after the required documents are completed and submitted, the remaining portion of the subscription can be refunded for an insured person whose claims do not exceed 75% of the annual subscription value. The company states that the refund is processed within a period not exceeding 60 working days from the cancellation date. (أسيج – ACIG)
ACIG Medical Insurance Cancellation Requirements
Before submitting your request, prepare the information associated with your insurance policy.
You may need:
- ACIG medical insurance policy number
- Insured person’s full name
- Iqama or national ID information, where applicable
- Policy start date
- Policy expiry date
- Insured person’s contact information
- Mobile number
- Email address
- Bank information if required for an eligible refund
- Reason for cancellation, if requested
- Any supporting documents required for your specific cancellation case
The exact documents can vary according to the policy and the reason for cancellation, so it is important to follow ACIG’s instructions for your particular policy.
Step-by-Step: How to Cancel ACIG Medical Insurance
Step 1: Check Your ACIG Policy
Before requesting cancellation, check your policy details.
Confirm:
- Your policy number
- Names of insured members
- Policy effective date
- Policy expiry date
- Policyholder information
- Any claims already submitted
- Whether the policy is individual, family, or employer-sponsored
This information will help prevent delays when ACIG reviews your cancellation request.
Step 2: Confirm That Cancellation Is Appropriate
If your policy is employer-sponsored, you should first check with your employer or HR department.
This is important because many expatriate and employee medical policies in Saudi Arabia are connected to employment and mandatory health-insurance requirements. The Council of Health Insurance’s unified policy also contains specific termination situations, including circumstances involving an insured person leaving Saudi Arabia permanently or transferring to a new employer. (Chi Government)
Therefore, do not assume that an individual cancellation request is the correct procedure for an employer-provided policy.
Step 3: Submit an Official Cancellation Notice
ACIG’s published instructions require an official notice requesting cancellation.
The notice should clearly identify the policy and state that you want the medical insurance policy cancelled.
A simple request can contain:
Subject: Request to Cancel Medical Insurance Policy
I request the cancellation of my ACIG medical insurance policy.
Policy Number: [Your Policy Number]
Insured Name: [Full Name]
Iqama/National ID: [Number]
Requested Cancellation Date: [Date]
Mobile Number: [Mobile Number]
Email: [Email Address]
Make sure the requested cancellation date takes the 30-business-day notice requirement into account. (أسيج – ACIG)
Step 4: Submit the Required Documents
Submit your cancellation notice together with the documents ACIG requests.
ACIG’s website provides online services for policy-related requests. Its cancellation system includes fields such as policy number, insured name, policy dates, Iqama information, email address, mobile number, and remarks. (Online General Claims)
ACIG official website and services
Step 5: Keep Your Request Reference
After submitting your request, keep:
- Request/reference number
- Screenshot of the submission
- Copy of your cancellation notice
- Email confirmation
- Uploaded documents
- Date of submission
- Policy number
These records are useful if you later need to contact ACIG about the status of the cancellation or refund.
Step 6: Wait for the Cancellation to Be Processed
The cancellation date is not necessarily the date on which you first submit your request.
ACIG says the cancellation notice must be sent at least 30 business days before the requested cancellation date. (أسيج – ACIG)
Therefore, plan ahead rather than waiting until the last moment.
ACIG Medical Insurance Refund After Cancellation
One of the most important questions is whether you will receive money back after cancellation.
According to ACIG’s published health-insurance guidance, the remaining portion of the subscription may be refunded for each insured person when the person’s claims do not exceed 75% of the annual subscription value. (أسيج – ACIG)
The company also states that the refund is made after completion and submission of the required documents and within a period of up to 60 working days from the cancellation date. (أسيج – ACIG)
Important: Do Not Assume You Will Receive a Full Refund
The refund is not automatically equal to the full unused portion of the annual premium.
ACIG’s published condition specifically refers to the insured person’s claims being no more than 75% of the annual subscription value. Consequently, your actual refund can depend on the policy, claims history, cancellation date, and applicable terms.
For this reason, check the refund calculation provided by ACIG instead of relying on a simple “unused days × daily premium” calculation.
Example of the Cancellation Timeline
Suppose you submit an official cancellation request on August 13, 2026.
Because ACIG requires at least 30 business days’ notice before the requested cancellation date, you should not expect the policy to be cancelled immediately merely because the request was submitted on August 13.
The insurer will process the request according to the applicable cancellation date and policy conditions. If you qualify for a refund, the refund-processing period can extend up to 60 working days from the cancellation date. (أسيج – ACIG)
What Happens to Your Health Coverage After Cancellation?
Once your policy is cancelled, you should not assume that medical services will continue to be covered.
Before requesting cancellation, consider whether you still need health coverage in Saudi Arabia.
This is particularly important for employees, dependents, and expatriates whose health-insurance status may be connected to employment or residency requirements.
The Council of Health Insurance’s unified policy describes circumstances in which coverage can terminate, including the insured leaving the Kingdom permanently or transferring to a new employer, subject to the policy rules. (Chi Government)
How to Cancel ACIG Insurance Online
ACIG provides an online cancellation facility for insurance policies. Its online cancellation page allows users to search for policy information and enter details including the policy number, insured name, policy period, Iqama information, email address, mobile number, and remarks. (Online General Claims)
A typical online process is:
- Open the official ACIG website.
- Go to the cancellation/service section.
- Select the medical-policy cancellation service where applicable.
- Enter your policy information.
- Verify the insured person’s details.
- Enter your contact information.
- Add any requested remarks.
- Upload supporting documents if requested.
- Submit the request.
- Save the confirmation or reference number.
- Follow up on the request if necessary.
Because ACIG’s website and service interfaces can change, use the current official ACIG portal rather than relying on screenshots from older guides.
How to Contact ACIG About Cancellation
ACIG’s official website currently lists the following customer-service information:
Phone: 8001246999
Email: customercare@acig.com.sa (أسيج – ACIG)
ACIG’s website also provides services for policy requests and claims. (أسيج – ACIG)
When contacting customer service, provide your policy number and insured person’s information so the company can locate the policy more efficiently.
What If ACIG Does Not Process Your Cancellation?
If your request remains unresolved, first contact ACIG and ask for the status of your cancellation request.
Provide:
- Policy number
- Cancellation-request number
- Date of submission
- Requested cancellation date
- Insured person’s name
- Copies of previous communication
If you cannot resolve the matter directly with the insurer, you can consider contacting the relevant Saudi insurance regulatory or consumer-protection authority through its official channels.
Do not send sensitive documents through unofficial websites or social-media accounts.
Common Reasons for Cancelling ACIG Medical Insurance
People may request cancellation for several reasons, including:
Leaving Saudi Arabia Permanently
A person who is permanently leaving Saudi Arabia may no longer require the same health-insurance coverage.
The Council of Health Insurance’s policy recognizes permanent departure from the Kingdom as one of the circumstances associated with termination of coverage, subject to the applicable policy provisions. (Chi Government)
Changing Employers
An employee may change jobs and receive health insurance through a new employer.
The unified health-insurance policy also identifies transfer to a new employer as a termination circumstance for the insured, subject to the applicable rules. (Chi Government)
Obtaining Another Insurance Arrangement
In some situations, a policyholder may have another valid insurance arrangement and may no longer need the existing policy.
However, you should verify that the replacement coverage is active before allowing existing coverage to end.
Business or Employee Changes
Companies may need to update or cancel medical coverage when employees leave the organization, change status, or are removed from a group policy.
In such cases, the employer or policyholder should follow the applicable group-policy procedure rather than assuming the individual cancellation process applies.
ACIG Medical Insurance Cancellation vs. Policy Expiry
Cancellation and expiry are not the same.
Cancellation means you request termination before the normal policy end date.
Expiry means the policy reaches its scheduled end date.
If you simply want to prevent renewal, check your policy terms and renewal arrangements before the expiry date. If you need the policy terminated before its scheduled expiry, use the cancellation procedure.
Important Tips Before Cancelling ACIG Medical Insurance
1. Do Not Cancel Before Confirming Replacement Coverage
If you still need medical insurance, make sure replacement coverage is available before ending your existing policy.
2. Check Your Claims
ACIG’s refund condition refers to claims not exceeding 75% of the annual subscription value. (أسيج – ACIG)
Review your claims history before expecting a refund.
3. Give Enough Notice
The most important timing requirement published by ACIG is the 30-business-day advance notice requirement. (أسيج – ACIG)
4. Save Proof of Submission
Always save your request confirmation, email correspondence, screenshots, and reference numbers.
5. Verify the Cancellation Date
Do not assume that the date you submit the request is the effective cancellation date.
6. Follow Up on Refunds
If you qualify for a refund, ACIG states that the remaining subscription amount is refunded within a period not exceeding 60 working days from the cancellation date, after the required documents are completed and submitted. (أسيج – ACIG)
Frequently Asked Questions
Can I cancel ACIG medical insurance at any time?
ACIG states that the policyholder may cancel the health-insurance policy at any time by providing an official notice at least 30 business days before the requested cancellation date. (أسيج – ACIG)
Do I need to give 30 days’ notice?
According to ACIG’s published guidance, the official cancellation notice must be sent at least 30 business days before the requested cancellation date. (أسيج – ACIG)
Will ACIG refund my unused premium?
A refund may be available under the applicable conditions. ACIG states that the remaining portion of the subscription can be refunded for an insured person whose claims do not exceed 75% of the annual subscription value. (أسيج – ACIG)
How long does the refund take?
ACIG states that, after completion and submission of the required documents, the refund can take up to 60 working days from the cancellation date. (أسيج – ACIG)
Can I cancel my employer-provided ACIG insurance myself?
Not necessarily. If your medical insurance is part of an employer-sponsored group policy, check with your employer or HR department first. The applicable procedure can differ from an individually purchased policy.
Can I submit an ACIG cancellation request online?
ACIG provides an online cancellation facility for insurance policies, with fields for policy and insured-person information. (Online General Claims)
What should I do if my cancellation request is delayed?
Contact ACIG using its official customer-service channels and provide your policy number and cancellation-request reference. Keep copies of all communications.
Final Checklist
Before submitting your ACIG medical-insurance cancellation request, make sure you have:
- Your ACIG policy number
- Insured person’s name
- Iqama or national ID information, where applicable
- Policy dates
- Mobile number
- Email address
- Requested cancellation date
- Required supporting documents
- Claim information
- Cancellation request/reference number
Most importantly, remember the two key points published by ACIG: 30 business days’ advance notice is required for the requested cancellation date, and an eligible refund can take up to 60 working days from the cancellation date after the required documentation has been completed. (أسيج – ACIG)
Conclusion
Canceling United Cooperative Insurance Group (ACIG) medical insurance in Saudi Arabia in 2026 is primarily a matter of submitting a formal cancellation request and following the insurer’s required timeline and documentation process.
ACIG’s current official guidance provides a clear framework: submit an official cancellation notice at least 30 business days before the requested cancellation date, complete the required documents, and understand that any eligible refund depends on the policy’s conditions and claims history. ACIG states that qualifying refunds can be processed within up to 60 working days from the cancellation date. (أسيج – ACIG)
Because insurance policies and regulatory requirements can change, always confirm the latest instructions directly with ACIG before submitting your final cancellation request.
Official ACIG contact: 8001246999
Customer-care email: customercare@acig.com.sa (أسيج – ACIG)
Disclaimer: This article is an informational guide, not legal or insurance advice. Your actual cancellation and refund rights depend on your ACIG policy, applicable Saudi regulations, and your individual circumstances.
