Cancel Al Rajhi Takaful Medical Insurance
If you have an Al Rajhi Takaful medical insurance policy in Saudi Arabia and no longer need the coverage, you may want to cancel it before the policy expires. However, the cancellation process can differ depending on whether the policy is an individual policy, an employer-sponsored health policy, or another type of medical insurance.
This guide explains the practical steps to request cancellation in Saudi Arabia in 2026, what information you may need, how refunds can work, and what to do if your cancellation request is delayed or rejected.
Important: Cancellation and refund eligibility depend on your policy terms and the reason for cancellation. Do not assume that every medical insurance policy can be cancelled immediately or that the unused premium will automatically be refunded.
What Is Al Rajhi Takaful?
Al Rajhi Takaful official website is a Saudi insurance company offering several insurance products, including health-related insurance products. Its official website provides customer-service channels, online services and policy-management facilities. (Al Rajhi Takaful)
Al Rajhi Takaful also provides an online Service Requests facility for insurance-related requests, including policy changes and other service matters. (Al Rajhi Takaful)
Can You Cancel Al Rajhi Takaful Medical Insurance?
In many situations, a cancellation request can be submitted to the insurer, but the exact rules depend on the type of policy and the applicable terms.
For employer-sponsored health insurance, cancellation is particularly different from an individually purchased policy. Saudi health-insurance rules provide specific procedures for employers changing or cancelling coverage. The Council of Health Insurance materials state that an employer wishing to cancel a health-insurance policy should notify the insurance company in writing at least 30 working days before the requested cancellation date and arrange replacement coverage where required. (Chi Government)
Therefore, an employee normally cannot simply cancel an employer-sponsored policy independently while remaining employed. The employer or policyholder may need to submit the request.
How to Cancel Al Rajhi Takaful Medical Insurance in 2026
Step 1: Check Your Insurance Policy
Before submitting a cancellation request, review your Al Rajhi Takaful policy.
Check:
- Policy number
- Policy start date
- Policy expiry date
- Type of medical insurance
- Policyholder name
- Covered members
- Cancellation conditions
- Refund conditions
- Any claims already submitted
- Whether the policy is individual or employer-sponsored
Your policy document is important because cancellation and refund rules can vary between products.
Step 2: Confirm Who Is the Policyholder
This is one of the most important steps.
If you purchased the medical insurance yourself, you may be able to submit the cancellation request directly to Al Rajhi Takaful.
If your medical insurance is provided by your employer, the employer may be the policyholder. In that situation, cancellation or removal from the policy may need to be handled by the employer.
Saudi health-insurance guidance explains that employer-sponsored coverage can end when the employment relationship ends and that specific procedures apply when an employee leaves, transfers to another employer, or exits Saudi Arabia permanently. (IA.gov.sa)
Step 3: Contact Al Rajhi Takaful
The simplest approach is to contact Al Rajhi Takaful and request the current cancellation procedure applicable to your policy.
According to the company’s official contact page, Al Rajhi Takaful provides customer service through:
Customer Service: 8001184444
Email: customerservice@alrajhitakaful.com
The company also provides online contact and service-request options. (Al Rajhi Takaful)
When contacting customer service, clearly state:
“I would like to request cancellation of my medical insurance policy.”
Provide your policy number and ask the representative to explain the required documents and whether you qualify for any refund.
Step 4: Submit the Cancellation Request
If Al Rajhi Takaful asks you to submit a formal request, provide the required information and supporting documents.
Depending on your circumstances, you may be asked for information such as:
- Policy number
- Iqama or National ID details
- Policyholder’s full name
- Registered mobile number
- Email address
- Reason for cancellation
- Cancellation date
- Bank/IBAN details where a refund is applicable
- Supporting documents related to the cancellation reason
Do not send unnecessary sensitive medical information unless the insurer specifically requests it through an official channel.
Step 5: Request Written Confirmation
After submitting your cancellation request, ask Al Rajhi Takaful for confirmation that the request has been received.
Keep:
- Request number
- Email confirmation
- SMS confirmation
- Screenshots
- Copies of documents
- Customer-service correspondence
This documentation can be valuable if you later need to make a complaint.
Step 6: Check Your Policy Status
After cancellation has been processed, verify that the policy status has actually changed.
Al Rajhi Takaful provides an online login facility through which customers can manage policies and access insurance-related information. (Al Rajhi Takaful)
Do not assume that submitting a cancellation request automatically terminates coverage. Wait for confirmation from the insurer.
What Happens to the Remaining Insurance Premium?
A refund is not automatically guaranteed for every cancellation.
The amount, if any, depends on the applicable insurance policy, the reason for cancellation, the period remaining, and relevant Saudi insurance rules.
For certain employer-sponsored health-insurance situations, the Insurance Authority explains that when an insured member is deleted in qualifying circumstances, the remaining premium may be refundable on a pro-rata basis, subject to applicable conditions. The authority gives examples including final exit, death and moving to a new employer, with refund eligibility affected by claims against the policy. (IA.gov.sa)
For this reason, ask Al Rajhi Takaful to provide a written calculation of any refund before assuming that you will receive the full unused premium.
Can I Get a Refund If I Leave Saudi Arabia Permanently?
Permanent departure from Saudi Arabia can affect health-insurance coverage.
The Council of Health Insurance’s current materials describe final exit as one of the circumstances in which health-insurance coverage can terminate. (Chi Government)
The Insurance Authority also states that, in applicable health-insurance cases, the remaining premium may be recoverable when an insured member is deleted following final exit, subject to the relevant conditions and claims threshold. (IA.gov.sa)
If you are leaving Saudi Arabia permanently, keep proof of the final-exit status and ask the policyholder or insurer about the required cancellation/deletion process.
What If You Change Your Employer?
Changing employers can also affect employer-sponsored health insurance.
Saudi health-insurance guidance lists moving to a new employer as a circumstance that can result in termination of coverage under the previous arrangement. (Chi Government)
The new employer should arrange the applicable insurance coverage according to the relevant requirements.
If your old Al Rajhi Takaful policy is connected to your previous employer, contact the HR department or insurance administrator rather than attempting to cancel the corporate policy yourself.
What Documents Should You Prepare?
Although the exact requirements can vary, preparing the following information can make the process easier:
Basic Information
- Full name
- Iqama or National ID
- Mobile number
- Email address
- Policy number
Policy Information
- Insurance certificate
- Policy schedule
- Policy start and expiry dates
- Covered-member information
Cancellation-Related Documents
Depending on the reason for cancellation, you may need:
- Final-exit documentation
- Employment termination evidence
- Sponsorship-transfer evidence
- Employer letter
- Alternative insurance information
- Other documents requested by the insurer
Always confirm the current document requirements directly with Al Rajhi Takaful before submitting your request.
How to Cancel Employer-Sponsored Medical Insurance
If your Al Rajhi Takaful medical insurance is provided through your employer, the procedure can be different.
If You Resign
Your employer may need to update your insurance record after your employment relationship ends.
The Insurance Authority’s FAQ states that health-insurance coverage can end when the contractual relationship with the employer ends, subject to the applicable rules. (IA.gov.sa)
If You Transfer to Another Employer
A sponsorship or employment transfer can affect the old insurance policy.
The relevant Saudi health-insurance rules recognize movement to a new employer as a reason for ending coverage under the previous arrangement. (Chi Government)
If You Receive a Final Exit
If you permanently leave Saudi Arabia, inform your employer and insurance administrator and provide the required evidence.
The employer or policyholder may need to request removal from the health-insurance policy.
Does Cancelling Insurance Mean You Lose Medical Coverage Immediately?
Not necessarily.
The effective cancellation date should be confirmed with the insurer or policyholder.
Until you receive confirmation, do not assume that the policy is cancelled. Likewise, do not assume that coverage will continue after the requested cancellation date.
If you have an ongoing medical treatment, pending authorization or claim, ask Al Rajhi Takaful how cancellation could affect that matter.
The Council of Health Insurance’s policy materials also address continued treatment in certain circumstances following termination of coverage, so the effect can depend on the particular policy and situation. (Chi Government)
Important Things to Do Before Cancellation
Before cancelling your Al Rajhi Takaful medical insurance, consider the following:
1. Download Important Documents
Save copies of:
- Insurance certificate
- Policy schedule
- Claims information
- Approval letters
- Correspondence
- Cancellation request
2. Check Pending Claims
If you have recently received medical treatment, ask whether any claim or authorization is still being processed.
3. Ask About Refund Eligibility
Do not rely on an estimated calculation from another source. Ask the insurer to confirm the refund amount applicable to your specific policy.
4. Keep Proof of Cancellation
Request written confirmation showing the effective cancellation date.
5. Arrange Replacement Coverage
If you are still legally required to have health insurance, make sure alternative coverage is active before the old coverage ends.
What If Al Rajhi Takaful Does Not Cancel My Policy?
If you have submitted a legitimate request and the issue remains unresolved, first contact Al Rajhi Takaful again and keep your complaint/reference number.
The Insurance Authority provides an electronic complaint service for insured persons and other parties involved in an insurance relationship. The service allows you to submit a complaint online, attach supporting documents and provide the insurance company’s complaint reference where applicable. (IA.gov.sa)
Insurance Authority — Complaint Against an Insurance Company
The Insurance Authority’s current contact information includes 8001240551 and info@ia.gov.sa. (IA.gov.sa)
How to File a Complaint With the Insurance Authority
If the insurer does not resolve your issue, you can generally:
- Submit your complaint to the insurance company first.
- Obtain the company’s complaint/reference number.
- Visit the Insurance Authority complaint service.
- Log in through the National Portal (Nafath).
- Enter the insurance-sector information.
- Explain your complaint.
- Upload supporting documents if available.
- Submit the complaint.
- Keep the complaint reference for future follow-up.
These are the steps currently published by the Insurance Authority for its insurance complaint service. (IA.gov.sa)
Common Reasons People Request Cancellation
Customers may request cancellation because:
- They are leaving Saudi Arabia permanently.
- They have changed employers.
- Their employment has ended.
- They obtained another insurance policy.
- They no longer need the particular policy.
- The policy was purchased by mistake.
- Their circumstances have changed.
- They need to replace the existing policy with another eligible policy.
The correct cancellation procedure depends on the policy and the circumstances.
Frequently Asked Questions
Can I cancel Al Rajhi Takaful medical insurance online?
Al Rajhi Takaful provides online service-request and customer-account facilities. However, the exact online cancellation option available can depend on the policy type. Check the insurer’s current service-request options or contact customer service for instructions. (Al Rajhi Takaful)
What is Al Rajhi Takaful customer service number?
The official Al Rajhi Takaful contact page currently lists 8001184444 as a customer-service number. (Al Rajhi Takaful)
Can I get my unused premium back?
Possibly, depending on your policy and the reason for cancellation. Certain health-insurance situations provide for recovery of a remaining premium on a pro-rata basis, subject to applicable conditions. (IA.gov.sa)
Can an employee cancel company medical insurance?
Usually, employer-sponsored insurance is administered through the employer/policyholder. The employee should normally contact HR or the insurance administrator to determine the correct process.
Do I need to return my insurance card?
Requirements can vary. For employer-sponsored health insurance, Saudi health-insurance guidance states that the employer is responsible for returning insurance cards when the beneficiary stops working or when the policy is cancelled. (Chi Government)
How long does cancellation take?
There is no single processing time that applies to every Al Rajhi Takaful medical policy. The effective date and processing period depend on the policy terms and the cancellation circumstances. For employer-level health-policy cancellation, Saudi rules can require advance written notice of at least 30 working days. (Chi Government)
What should I do if I do not receive my refund?
First ask Al Rajhi Takaful for a written explanation and a calculation of the amount due. If the matter remains unresolved, you can use the Insurance Authority’s complaint process. (IA.gov.sa)
Final Thoughts
Cancelling Al Rajhi Takaful medical insurance in Saudi Arabia in 2026 is not necessarily a one-click process. The correct procedure depends on whether you hold an individual policy or are covered through an employer, as well as the reason for cancellation.
The safest approach is to check your policy, contact Al Rajhi Takaful through its official channels, submit the required cancellation request, obtain written confirmation, and ask specifically about any eligible refund. If the issue cannot be resolved with the insurer, the Insurance Authority provides an official electronic complaint channel.
Always verify the latest cancellation requirements directly with Al Rajhi Takaful because insurance procedures, policy terms and regulatory requirements can change.
Official resources:
Al Rajhi Takaful Service Requests
Insurance Authority Complaint Service
