Cancel Medical Insurance
If you have an insurance policy with United Cooperative Assurance Company (UCA) in Saudi Arabia and want to cancel it, the process depends on the type of insurance you have, the reason for cancellation, and the terms of your policy.
UCA is a Saudi joint-stock insurance company that provides several types of insurance products. The company is regulated by the Saudi Insurance Authority. (UCA Talent)
This guide explains the cancellation process, possible refunds, required documents, and what you should do if your cancellation request is delayed.
Important 2026 Update About UCA
Before cancelling your policy, it is important to understand a significant 2026 development.
On 19 February 2026, the Insurance Authority announced the suspension of United Cooperative Assurance Company from issuing or renewing motor insurance policies, including comprehensive motor insurance. The suspension concerns new issuance and renewals; it does not remove UCA’s obligations relating to valid policies and existing claims. (IA.gov.sa)
Therefore, if your UCA policy is a motor policy, check its current status and cancellation options carefully before taking action.
This suspension does not automatically mean that all UCA insurance products are cancelled. UCA stated that the measure applies to motor insurance while other insurance products remain available, and existing valid policies are not automatically invalidated. (Saudi Exchange)
What Does Insurance Cancellation Mean?
Insurance cancellation means ending an active insurance policy before its scheduled expiry date.
Depending on your policy and the applicable Saudi regulations, cancellation may result in:
- Termination of future insurance coverage
- A refund for an eligible unused period
- Deduction of applicable fees or amounts
- Adjustment for claims already paid or made
- A requirement to provide supporting documents
You should not simply stop paying premiums and assume that the policy has been formally cancelled. Instead, submit a cancellation request through the appropriate channel and obtain confirmation.
How to Cancel UCA Insurance in Saudi Arabia
Step 1: Identify Your UCA Insurance Policy
First, determine which UCA policy you want to cancel.
For example, it could be:
- Motor insurance
- Health insurance
- Travel insurance
- Property insurance
- Commercial insurance
- Other general insurance products
The cancellation rules can differ according to the insurance product.
If you have health insurance, you can also use the Saudi Insurance Authority’s online health-insurance inquiry service to check the insurer and current policy status. The service allows residents and citizens to search using a Saudi national ID or Iqama number. (IA.gov.sa)
Step 2: Check the Policy Terms
Before submitting a cancellation request, read your policy documents.
Look for information about:
- Cancellation rights
- Refund eligibility
- Cancellation fees
- Administrative charges
- Claims
- Required documents
- Refund processing
- Effective cancellation date
This step is particularly important because not every insurance product has identical cancellation conditions.
Step 3: Prepare Your Documents
Depending on the policy, UCA may require information such as:
- Policy number
- Iqama or Saudi National ID
- Passport, where applicable
- Registered mobile number
- Bank account information
- IBAN
- Vehicle documents for motor insurance
- Proof of ownership transfer, if applicable
- Final-exit or employment-related documents for certain health-insurance situations
- Alternative insurance documents, where required
Make sure the information submitted matches the details on your policy.
Step 4: Submit the Cancellation Request
Contact UCA through its official customer-service channels and request cancellation of your policy.
Clearly provide:
Subject: Request to Cancel UCA Insurance Policy
Include:
- Your full name
- Policy number
- ID or Iqama number
- Type of insurance
- Reason for cancellation
- Requested cancellation date
- Contact information
- IBAN if a refund is applicable
- Supporting documents
Ask UCA to provide a cancellation or service-request reference number.
Keeping this reference number is important if you later need to follow up or submit a complaint.
Step 5: Ask About Your Refund
If your policy qualifies for a refund, ask UCA to explain:
- The unused insurance period
- Refund amount
- Any applicable deductions
- Administrative fees
- Claims deductions
- Expected payment date
- Bank account to which the refund will be transferred
Do not assume that you will automatically receive the entire premium back.
The refund depends on the applicable insurance rules and the circumstances surrounding cancellation.
Health Insurance Cancellation in Saudi Arabia
Health insurance requires special attention because cancellation is often connected to changes in employment, sponsorship, final exit, death, or transfer to another employer.
The Insurance Authority states that health-insurance coverage can end in circumstances such as policy expiry or cancellation, death of the insured member, final exit, or moving to a new employer in applicable cases. (IA.gov.sa)
For eligible health-insurance cancellations or deletions, the remaining premium may be refundable on a pro-rata basis under the applicable conditions.
The Insurance Authority’s FAQ gives an example formula:
Refund = Annual Premium ÷ 365.25 × Remaining Days
Eligibility can depend on factors such as claims made against the policy. The Authority states that, for certain employee-related health-insurance cases, the remaining premium can be recovered when the insured member is deleted, provided claims do not exceed 75% of the premium value. (IA.gov.sa)
Example
Suppose an annual policy costs SAR 1,200 and there are approximately 120 eligible days remaining.
A simplified calculation would be:
SAR 1,200 ÷ 365.25 × 120 = approximately SAR 394.25
The actual refund can be different because the applicable rules, claims, fees, and policy conditions must be considered.
Cancelling UCA Motor Insurance
Motor insurance cancellation has its own rules.
Saudi Arabia’s Insurance Authority publishes specific rules for compulsory and comprehensive motor insurance. Under the standard compulsory motor policy, cancellation after issuance is restricted to specified circumstances, such as vehicle registration write-off, transfer of ownership, or the existence of an alternative policy covering the remaining period. (IA.gov.sa)
Therefore, if you want to cancel a UCA motor policy, you may need to provide evidence of the reason for cancellation.
For example:
Vehicle Sold
If you have transferred ownership of the vehicle, provide the relevant ownership-transfer documentation.
Vehicle Registration Cancelled
If the vehicle registration has been written off, provide the appropriate evidence.
Alternative Insurance
If another insurance policy covers the remaining period, provide the alternative-policy information when requested.
The applicable refund is generally related to the unused period and may be subject to deductions under the relevant policy rules. (IA.gov.sa)
What About the 2026 UCA Motor Insurance Suspension?
This is an important distinction.
The Insurance Authority suspended UCA from issuing or renewing motor insurance policies from 19 February 2026. However, the Authority explicitly stated that the suspension does not remove UCA’s obligations concerning existing policies and claims. (IA.gov.sa)
So, if you already have a valid UCA motor policy, do not assume that the policy has automatically been cancelled because of the suspension.
If you want to terminate an existing policy, follow the applicable cancellation procedure and obtain written confirmation.
How to Check Your Insurance Status
If you are unsure whether your health insurance is still active, you can use the Insurance Authority’s health-insurance inquiry service.
The service allows you to:
- Check insurance status
- Verify validity
- Identify the insurance company
- Search using your Saudi National ID or Iqama
The service is available online and is listed as free by the Insurance Authority. (IA.gov.sa)
Check Health Insurance Status — Insurance Authority
What Documents Should You Keep?
After cancelling your insurance, keep copies of:
- Cancellation request
- Policy document
- Customer-service reference number
- Email or SMS confirmation
- Refund calculation
- Bank-transfer confirmation
- Supporting documents
- Any communication with UCA
These documents can be valuable if there is a disagreement about the cancellation date or refund.
What If UCA Does Not Cancel the Policy?
If you submitted a cancellation request but have not received a response, first contact UCA again using your request/reference number.
Ask for:
- The current status of the request
- The reason for any delay
- The effective cancellation date
- The refund amount, if applicable
- The expected completion date
Keep evidence of every communication.
How to File a Complaint
If your issue is not resolved with the insurance company, you can escalate the matter to the Saudi Insurance Authority.
The Insurance Authority provides an online complaint service for insured persons and other parties involved in an insurance relationship. The complaint process can be completed electronically without visiting the Authority’s headquarters. (IA.gov.sa)
The online process generally involves:
- Logging in through NAFATH.
- Selecting the complaint service.
- Entering the insurance-sector information.
- Explaining the problem.
- Providing the previous complaint/reference number if you contacted the insurer.
- Uploading supporting documents when available.
- Reviewing the information.
- Submitting the complaint. (IA.gov.sa)
Submit an Insurance Complaint — Insurance Authority
The Insurance Authority also lists its toll-free contact number as 8001240551. (IA.gov.sa)
UCA Insurance Cancellation Checklist
Before submitting your request, make sure you have:
- UCA policy number
- Saudi ID or Iqama
- Registered mobile number
- Reason for cancellation
- Required supporting documents
- IBAN, if a refund is applicable
- Cancellation request/reference number
- Written cancellation confirmation
- Refund calculation, if applicable
Frequently Asked Questions
Can I cancel my UCA insurance online?
The available cancellation method depends on the insurance product and UCA’s current service channels. Contact UCA through its official channels and request the appropriate cancellation procedure.
Will I get a refund after cancelling UCA insurance?
A refund may be available depending on the policy, cancellation reason, unused coverage period, claims, and applicable Saudi insurance rules. It is not necessarily equal to the full amount originally paid.
Can I cancel UCA health insurance after leaving Saudi Arabia?
Certain health-insurance situations involving final exit may allow the insured member to be deleted and the remaining premium to be refunded when the applicable conditions are satisfied. The Insurance Authority specifically recognizes final exit as one circumstance in which health-insurance coverage can end. (IA.gov.sa)
Does the 2026 UCA motor suspension cancel my existing insurance?
No. The 2026 suspension concerns UCA’s ability to issue or renew motor insurance policies. It does not automatically cancel existing valid policies or remove the company’s obligations relating to existing policies and claims. (IA.gov.sa)
What if UCA refuses to process my cancellation?
Ask the company for the reason in writing and keep your service-request number. If the matter remains unresolved, you can submit an electronic complaint to the Saudi Insurance Authority. (IA.gov.sa)
How can I check whether my health insurance is active?
Use the Insurance Authority’s health-insurance inquiry service with your Saudi National ID or Iqama number. (IA.gov.sa)
Final Thoughts
Cancelling United Cooperative Assurance (UCA) insurance in Saudi Arabia in 2026 is not simply a matter of stopping payments. The correct procedure depends on whether you have health, motor, travel, property, or another type of insurance.
Start by checking your policy terms, prepare the required documents, submit a formal cancellation request, and obtain a reference number and written confirmation. If you are eligible for a refund, ask for the calculation and payment details.
For health insurance, the Saudi Insurance Authority provides specific guidance concerning policy termination and eligible refunds. For motor insurance, special cancellation rules apply, and UCA’s 2026 suspension of motor-policy issuance and renewal should not be confused with automatic cancellation of existing policies. (IA.gov.sa)
Note: Insurance policies and regulatory requirements can change. Always confirm the current cancellation terms with UCA and the Saudi Insurance Authority before submitting your request.
Official Resources
United Cooperative Assurance (UCA)
Saudi Insurance Authority — Insurance Services
Saudi Insurance Authority — Regulations
