Middle East Mapping (2)

Part
01
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Part
01

Saudi Arabia - Regulatory Boundaries

Data Protection Law and the Sharīʿah Principles, Commercial Law and Dispute Settlements, and the Internet of Things (IoT) Regulatory Framework are three potential regulatory barriers which could influence Fitbit’s ability to succeed in the Saudi Arabia market.

1) Data Protection Law and the Sharīʿah Principles

  • The Sharīʿah is the paramount body of law in the Kingdom of Saudi Arabia (KSA). It is a collection of fundamental principles derived from sources such as Islam's Holy Qu’ran and the Sunnah, "which are the witnessed sayings and actions of the Prophet Mohammed". It also forms the basis of the legal system in KSA.
  • Since Fitbit handles personal data of consumers and due to increasing market awareness of data privacy and data protection rights, it's now giving rise to new challenges and barriers affecting businesses in Saudi Arabia, and also globally.
  • However, there are still no specific data protection laws in Saudia Arabia, which led to the interpretation of data privacy violations by KSA courts and adjudicatory bodies under their general Shari'ah principles.
  • For data protection under Shari'ah law or principles, "the disclosure of secrets is prohibited except inter alia where the owner of the relevant secret agrees to such disclosure or if the public interest requires so".
  • Violations of data privacy under general Shari'ah law or principles are often expressed in general terms and will then afford KSA courts and adjudicatory bodies their own considerable discretion as to what penalties they deem appropriate and equitable, which mostly include a fine and deprivation of certain rights such as license suspension or imprisonment.
  • Previous decisions of the KSA adjudicatory bodies are, in general, not consistently indexed and collected in a central place or made publicly available.
  • There are reports that a draft law about KSA's “Freedom of Information and Protection of Private Data Law” is currently being reviewed by the Shura Council, the formal advisory body of the Kingdom of Saudi Arabia. That law dictates that "any party who processes personal data must adhere to the principles of transparency, fairness, and accountability".
  • The absence of specific data protection law is considered a barrier that could influence Fitbit's success in Saudi Arabia because of inconsistencies in records and previous decisions, regarding the data privacy of consumers.

2) Commercial Law and Dispute Settlements

  • The Kingdom of Saudi Arabia's commercial law is still currently in its developing stage. "In 1994 Saudi Arabia ratified the 1958 New York Convention on the Recognition and Enforcement of Foreign Arbitral Awards."
  • The Saudi Arabian Government (SAG) together with the Saudi Ministry of Commerce and Investment are currently leading efforts in order to improve and overhaul their commercial laws and to create an arbitration center in collaboration with the Council of Saudi Chambers of Commerce and Industry.
  • According to the US Embassy's report, commercial disputes settlement in Saudi Arabia is considered a trade barrier because dispute settlements and enforcing of foreign arbitral awards "have proven time-consuming and uncertain, carrying the risk that Sharīʿah principles can potentially trump any foreign judgments or legal precedents, though Saudi Arabia is a signatory to the New York Convention on the Recognition and Enforcement of Foreign Arbitral Awards."
  • This becomes a possible barrier because even after a dispute decision has been made, it will still take a long time to enforce the judgment and in several cases, bring about some serious problems for foreign investors like Fitbit and can hinder their success in Saudi Arabia.

3) Internet of Things (IoT) Regulatory Framework

  • The Internet of Things (IoT) Regulatory Framework is published by the Communications and Information Technology Commission (CITC). It regulates every usage of IoT services in the Kingdom of Saudi Arabia.
  • It requires providers of IoT services to comply with ‘data security, privacy, and protection requirements’. The Framework goes on to state that IoT providers and implementers must ‘comply with all the existing or future published laws, regulations, and requirements concerning data management including security, privacy, and protection.
  • The IoT Regulatory Framework is a possible barrier because it "envisages that specific data protection laws may be enacted in the Kingdom at some point". It also requires Fitbit, as an IoT service provider, to hold onto strict regulations regarding the collections of personal data among its consumers and may influence its ability to succeed due to needed approvals to operate in the KSA beforehand.
Part
02
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Part
02

Saudi Arabia - Large Corporates: The Findings Part Five

Ten leading telecommunication companies operating in the Kingdom of Saudi Arabia (KSA) include Saudi Telecom Company (STC), Integrated Telecom Company (ITC), GO Telecom-Etihad Atheeb, Mobily-Etihad Etisalat, Zain KSA, Virgin Mobile Saudi Arabia, Arabsat, Lebara Saudi Arabia, Al Arrab Communications, and Baud Telecom Company.

Saudi Telecom Company (STC)

Integrated Telecom Company (ITC)

GO Telecom-Etihad Atheeb

Mobily-Etihad Etisalat

Zain KSA

Virgin Mobile Saudi Arabia

Arabsat

Lebara Saudi Arabia

Al Arrab Communications

  • Website Link
  • Total number of employees: 600 employees
  • Annual revenue: $133 million (SAR 500 million)
  • The company has 13 regional office locations in Saudi Arabia and a retail presence of more than 6000 stores.

Baud Telecom Company


Research Strategy

To identify the ten leading telecommunication companies operating in the KSA, we started our research by examining market research reports, media publications, press releases, industry database sites, and regulatory authority sites. We ascertained our selection by referring credible publications like Research and Markets, Communications and Information Technology Commission (CITC), Oxford Business Group, Zoominfo, Aljazira Capital, The Economist, BuddeComm, among others.

It is noted that most of the companies did not mention the total number of employees in their official sources of information like websites, press releases, and annual reports. We relied on data available from credible third-party sites like Bloomberg, LinkedIn, RocketReach, Zoominfo, among others.

We compiled email addresses for all the listed contacts from the RocketReach platform. Alternatively, none of the companies featured the number of employees for a specific location.
Part
03
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Part
03

Saudi Arabia - Large Corporates: The Findings Part Four

The ten leading chemical companies in Saudi Arabia are SABIC, SAFCO, Petromin Corporation, SATORP, Saudi Chemical Company, Advanced Petrochemical Company, Sahara Petrochemicals Company, AIG, Chemanol, and Basic Chemical Industries. More information related to these companies is provided below.

Saudi Basic Industries Corporation (SABIC)

  • SABIC is a chemical public company that is based in Saudi Arabia.
  • This company employs over 33,000 employees.
  • SABIC's main corporate offices and headquarters are located in Riyadh, Saudi Arabia with its main industrial operations in Al-Jubail and Yanbu. SABIC's facilities are also found in multiple areas across the world including, the Middle East and Africa, Asia, the Americas, and Europe. In total, this company owns 112 offices across the world.
  • Abdulaziz Al-Oudan is the Executive Vice President of Corporate Human Resources at SABIC. His email address is abdulaziza@sabic.com .

Saudi Arabian Fertilizer Company (SAFCO)

Petromin Corporation

  • Petromin is a Saudi Arabian company that focuses on oil lubricants, car servicing (Petromin Express), fuel retailing, and car dealerships.
  • This company has more than 5,000 employees.
  • It owns four offices in Saudi Arabia, including in Jeddah, Riyadh, Dammam, and Abha. Petromin also has 15 offices across the world, such as Somalia, Malaysia, China, Pakistan, and many others.
  • Ahmed AlMehdar is the Human Resources & Admin Vice President at Petromin Corporation. His email address is aa_mehdar@yahoo.com .

Saudi Aramco Total Refining and Petrochemical (SATORP)

  • SATORP is a Saudi Arabia-based company that focuses on petrochemicals. It also produces LPG, benzene, paraxylene, gasoline, jet, diesel, propylene, coke, and sulfur.
  • This company employs 46,000 workers.
  • This company has one location. SATORP is located at the Jubail Industrial City 2 on the Arabian Gulf coast, Saudi Arabia.
  • Ahmed Sharif is the HR Manager at SATORP. His email is Sharif.Ahmed@satorp.com.

Saudi Chemical Company

Advanced Petrochemical Company

Sahara Petrochemicals Company

  • Sahara Petrochemicals Company is a Saudi Arabia-based company that focuses on producing propylene, polypropylene, ethylene, polyethylene, as well as other petrochemical and hydrocarbon-based products.
  • It is estimated to employ 500 workers.
  • This company has one location. It is located in the Industrial Area, Al Jubail 35725, Saudi Arabia.
  • Jessie Sarmiento is the HR Admin and Training Specialist at Sahara Petrochemicals. Her email address is jessies@saharapcc.com.

Astra Industrial Group (AIG)

  • AIG is a Saudi Arabia-based company that focuses on pharmaceuticals, specialty chemicals, power, steel, and mining.
  • This company is estimated to employ approximately 3,800 workers.
  • This company has one location. AIG office is located at 8128 Salah Ad Din Al Ayyubi Rd, King Abdul Aziz, Riyadh 12233, Saudi Arabia.
  • Anthony Simeon is the HR Professional at AIG. His email address is anthony.simeon@aig.sa .

Chemanol

  • Chemanol is a company that focuses on manufacturing premium grade methanol derivatives, including aqueous & urea-formaldehyde, formaldehyde derivatives, superplasticizers, and various amino resins.
  • This company is estimated to employ 485 workers.
  • This company has one location. It is located at the Road 295, Industrial Area, Al Jubail 35726, Saudi Arabia.
  • Majid Alotaibi is the HR Generalist at Chemanol. His email address is majid-alotaibi@chemanol.com.

Basic Chemical Industries

  • Basic Chemical Industries is a Saudi Arabian company that focuses on manufacturing chlorine gas, hydrochloric acid, caustic soda, sodium hypochlorite, and many others.
  • This company is estimated to employ 391 workers.
  • It has a total of eight offices in multiple areas in the Middle East countries, including Qatar and the United Arab Emirates.
  • Abdulrahman Almuhrij is the Human Resources Manager at Basic Chemical Industries. His email address is almuhrij@bci.com.sa.

Research Strategy

To determine ten leading chemical companies in Saudi Arabia, we browsed through multiple reports and articles that contain the list of the top chemical companies in the world and selected the Saudi Arabia-based companies to be included in our findings. Afterward, we searched for the requested details for each selected company. Our research team also browsed through LinkedIn, Rocket Reach, and Voila Norbert to collect contact information of the lead human resources of the selected companies. Our strategy was proven successful and we managed to gather every information needed. We found that the answer to this research was straightforward and did not require any triangulation.
Part
04
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Part
04

Saudi Arabia - Large Corporates: The Findings Part Three

Saudi Arabia - Large Corporates: The Findings Part Three

The ten leading engineering companies in Saudi Arabia are Sabic, Ma'aden, Aramco, Saudi Binladin Group (SBG), Sahara International Petrochemical Company (Sipchem), Petro Rabigh, Baas International Group, Yes Yem Yech Industrial Services (SMH), Abunayyan Holding, and Farabi Petrochemicals.

SABIC

  • SABIC is a leading chemical engineering company headquartered in Riyadh, Saudi Arabia. The company has more than 33,000 employees worldwide.
  • SABIC operates in more than 50 countries, in five geographies including the Middle East, US, Europe, North East Asia, and Southeast Asia.
  • Mohammad Alghamdi is the HR Director of SABIC. His email address is alghamdim@sabic.com .

Ma'aden

Aramco

  • Saudi Aramco is the state-owned oil company of the Kingdom of Saudi Arabia and also a world leader oil company. The company employs more than 65,000 workers worldwide.
  • Aramco operates in 10 locations, including Saudi Arabia, China, Egypt, Japan, India, the Netherlands, the Republic of Korea, Singapore, the United Kingdom, and the United States.
  • Huda Al Ghoson is the Executive Director of HR at Saudi Aramco. Her email address is huda.ghoson@aramco.com

Saudi Binladin Group (SBG)

Sahara International Petrochemical Company (Sipchem)

Petro Rabigh

Baas International Group (BIG)

Yes Yem Yech Industrial Services (SMH)

Abunayyan Holding

Farabi Petrochemicals


Research Strategy

In order to find the 10 leading companies in the engineering industry, we search for reports and articles containing the list of the largest and leading engineering companies in Saudi Arabia. After we found the list of the company, we searched the company one by one, opened the company's official website and LinkedIn profile. Then, we profiled if the company criteria are matched as the leading companies in the engineering sector. After getting the general information of total employees and locations, we started searching the HR Director / Manager through LinkedIn and searched their email on LinkedIn and Rocketpunch. To present the finding, we summarized each company description in 3 bullet points.
Part
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Part
05

Saudi Arabia - Large Corporates: The Findings Part Two

Five leading insurance companies in Saudi Arabia based on market share in 2018 are Tawuniya, Bupa Arabia, Al Rajhi Takaful, Medgulf, and AXA Cooperative. Five leading banks in Saudi Arabia based on total asset size in 2018 are National Commercial Bank, Al Rajhi Bank, Samba Financial Group, Riyad Bank, and Banque Saudi Fransi.

Tawuniya

Bupa Arabia

Al Rajhi Takaful

Medgulf

AXA Cooperative

National Commercial Bank

Al Rajhi Bank

Samba Financial Group

Riyad Bank

Banque Saudi Fransi

  • Banque Saudi Fransi is the fifth-largest bank in Saudi Arabia based on total asset size in 2018.
  • The company employs around 3,000 employees.
  • It operates 105 locations, which include four head and regional offices, 83 full-fledged branches, and 18 ladies’ sections across Saudi Arabia.
  • May Al-Hoshan is the chief human capital officer at Banque Saudi Fransi.
  • Her email address is malhoshan@alfransi.com.sa.

Research Strategy

We have defined “leading” companies in Saudi Arabia’s financial services industry as the largest insurance companies based on market share and the largest banks based on total asset size. None of the contacts identified have published their email addresses online. Therefore, email verifiers such as Hunter and Rocket Reach were used to provide the required information.
Part
06
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Part
06

Saudi Arabia - Large Corporates: The Findings Part One

Ten leading companies in the energy industry in Saudi Arabia includes Saudi Aramco, Saudi Basic Industries Corporation (SABIC), Saudi Electricity Company, Abdullah A Al Barrak and Sons Co, Fugro Suhaimi, Farabi Petrochemicals, Global Suhaimi Company, Baas International Group, JAL International Co. Ltd, and Abunayyan Holding.

1. Saudi Aramco

2. Saudi Basic Industries Corporation (SABIC)

3. Saudi Electricity Company

4. Abdullah A Al Barrak and Sons Co

5. Fugro Suhaimi

6. Farabi Petrochemicals

7. Global Suhaimi Company

8. Baas International Group

9. JAL International Co. Ltd

10. Abunayyan Holding

Part
07
of seventeen
Part
07

Saudi Arabia - Large Corporates

Industries that are receptive to wellness programs in Saudi Arabia include energy, financial services, engineering, chemical, and telecommunications. Below are the explicit details on the request.

Energy

  • Description: The energy industry in Saudi Arabia includes companies that sell oil and gas domestically as well as internationally.
  • Why would they be receptive?: My Wellness Saudi has successfully sold corporate wellness programs to several energy businesses in Saudi Arabia.

Financial Services

Engineering

  • Description: Engineering companies develop products, hardware, as well as help plan out buildings construction.
  • Why would they be receptive?: ICAS is a company that sells (among other things) wellness programs globally. It has sold its wellness programs to Atkins, Saudi Arabia. Other engineering firms (not based in Saudi Arabia) have used the company's services as well.

Chemical

Telecommunications


Research Strategy:

Other than a $2100 paid report, there were no direct lists of industries that would be receptive to wellness programs in Saudi Arabia. We found the information relating to the request by looking at testimonials of wellness programs or clients' lists that target Saudi Arabian companies. Using the testimonials, we reverse-engineered a list of receptive industries. In all cases, multiple testimonials were used rather than just one in order to add credence. For example, if a few companies were part of the energy sector and used a company's wellness program, then the industry as a whole was listed. ICAS is a global company, so only Saudi Arabian companies were used as part of the triangulation.

Note: Some companies have multiple products, so only their health and wellness programs were used for coalescing the information.
Part
08
of seventeen
Part
08

Saudi Arabia - Insurers: Part Two

Five additional top health insurers in Saudi Arabia include Arabian Shield, Enaya, AXA Cooperative, Al Sagr Insurance, and MetLife AIG ANB. Information on their market shares and link to their websites, as well as the methodology used in this research, are available below.

Arabian Shield

  • Here is a link to the website of Arabian Shield.
  • Market share: 1.6%

Enaya

  • Here is a link to the website of Enaya.
  • Market share: 1.4%

AXA Cooperative

  • Here is a link to the website of AXA Cooperative.
  • Market share: 1.4%

Al Sagr Insurance

  • Here is a link to the website of Al Sagr Insurance
  • Market share: 1.4%

MetLife AIG ANB

  • Here is a link to the website of MetLife AIG ANB
  • Market share: 1.3%

Research Strategy:

To provide 5 additional top health insurers in Saudi Arabia, we leveraged a Saudi Arabia insurance sector report by Albilad Capital which listed the top insurance companies in the Kingdom of Saudi Arabia, including health insurers, according to their market share. We then looked for any health and reward programs that these companies may have by looking through their respective websites, specifically under Products & Services and News & Media as these are the most likely to give insight into these programs. This strategy, however, yielded no results relevant to this request.

Our next attempt was to look through the annual reports of each company under the assumption that some insights regarding any of their reward or loyalty programs be found on these reports. We looked through the official websites of the respective companies for these reports, as well as through public databases of annual reports. We were able to locate annual reports for Al Sagr Insurance and MetLife AIG ANB, however, the former was in Arabic and the latter did not reveal any insights relevant to this request. Annual reports for the other companies could not be found in the public domain.

Finally, we attempted to look for press releases and news articles about the five mentioned health insurers. We looked through credible publications such as Khaleej Times, Riyadh Daily, and Arab News. We also looked for any mention of partnerships that the health insurers may have with other companies that may be related to any health and reward programs that they may have. This strategy, however, also yielded no information relevant to this request.

The social media channels of the five health insurers such as Facebook, Twitter, and LinkedIn were searched for relevant information, however, none was found. Likely, these health insurers do not have health and reward programs which explain the lack of results from the employed research strategies.
Part
09
of seventeen
Part
09

Saudi Arabia - Insurers: Part One

Five of the top health insurers in Saudi Arabia are Bupa Arabia, The Company for Cooperative Insurance (Tawuniya), Medgulf, AlRajhi Takaful, and Saudi Arabian Cooperative Insurance Company (SAICO). A health program offered by Tawuniya is its partnership with Vitality Group in April 2019 to allow its customers to benefit from the Vitality health and wellness program. Detailed information is below.

Bupa Arabia

  • The website link: The website link for the insurer is here.
  • Market share: 40.6%

The Company for Cooperative Insurance (Tawuniya)

  • The website link: The website link for the insurer is here.

Medgulf

  • The website link: The website link for the insurer is here.
  • Market share: 9.0%

AlRajhi Takaful

  • The website link: The website link for the insurer is here.
  • Market share: 2.4%

Saudi Arabian Cooperative Insurance Company (SAICO)

  • The website link: The website link for the insurer is here.
  • Market share: 1.9%

Research Strategy

To find the five top health insurers in Saudi Arabia, our first strategy was to search for pre-compiled lists with the information. This strategy led us to the Middle East Insurance Review which stated that the total number of people insured by health insurers in Saudi Arabia was 12.06 million at the end of 2017. We also found a report by Albilad Capital which listed five of the top health insurers in Saudi Arabia by market share as Bupa Arabia with 40.6% market share, Tawuniya with 30.2%, Medgulf with 9.0%, AlRajhi Takaful with 2.4%, and SAICO with a market share of 1.9%.

Although we found the five top health insurers in Saudi Arabia, we were unable to find any health and reward programs for four of the top insurers, Bupa Arabia, Medgulf, AlRajhi Takaful, and Saudi Arabian Cooperative Insurance Company (SAICO). To find health and reward programs for the four insurers, our first strategy was to search for the relevant information on the insurer’s official websites especially under products/services offered and in the news/media section as we thought that any health and reward programs would be available in these sections. This strategy was successful in providing a health program offered by Tawuniya.
Our second strategy was to consult financial databases and publications such as Crunchbase, Hoovers, Bloomberg, Zoominfo, Craft.co., Manta, Pitchbook, and CoRepo as we thought that these sources could provide information on the insurers and any health and reward programs they offered. However, none of these sources provided the required information.
Our third strategy was to find articles in news publications and media sources about the insurers as we thought that they would feature stories with information on the health and reward programs offered by the insurers. We searched through publications such as Arab News, Saudi Gazette, Khaleej Times, Riyadh Daily, and Al-Khaleejiah for the required data. This strategy was unsuccessful as no programs were found for the four insurers.
We also checked the company's social media channels such as LinkedIn, Facebook and Twitter for the required information, but it was not there. We have therefore concluded that information on health and reward programs is not publicly available or the companies do not have any health and reward programs.

Part
10
of seventeen
Part
10

Saudi Arabia - Corporate Wellness Aggregators

After an extensive search through industry-related websites, industry reports, market reports, news websites, company websites as well as industry databases, details about the top corporate wellness aggregators by scale, market and detail offerings in Saudi Arabia do not appear to be available in the public domain. However, the research team was able to gather useful findings of three top wellness and fitness aggregator companies expanding operations in Saudi Arabia.

#1 ClassPass

  • ClassPass entered the Middle East health and fitness industry last year. It acquired GuavaPass for approximately $4.2 million, making it the market leader in Southeast Asia and Emirates.
  • According to Ashley Kent, ClassPass Country Manager in UAE, the company is considering to expand its operations in Saudi Arabia.

#2 XPonential Fitness

#3 FitOnClick

  • FitOnClick is an online sport, fitness, and wellness aggregator that enables users to easily search for fitness and wellness programs and services.
  • Although the company is a start-up, two years old, is expanding aggressively into other regions. According to its founder, Samuel, the company plans to launch in Saudi Arabia, Oman, and Kuwait. FitOnClick also sought funding of approximately $1.5 million to facilitate its expansion.
  • FitOnClick offers corporate wellness and fitness services through the Sports and Employee Engagement Program that helps companies meet their employee wellness objectives easily and efficiently.

Research Strategy

To find information on top corporate wellness aggregators by scale, market and detail offerings in Saudi Arabia, we embarked on searching for various reports like industry reports, market reports, studies, surveys, news, and informational websites, company websites as well as industry databases on the topic. However, we could not find any specific data from these reports. We searched for news websites and articles and found various news entries on the companies Xponential, ClassPass, and FitOnClick.
Xponential is one of the companies operating in Saudi Arabia, and a leading company in its service provision, but did not explicitly indicate its involvement in corporate wellness. ClassPass provides corporate wellness services, and it is a top company in the fitness and wellness aggregator industry but has not entered the Saudi Arabia market yet, although it is underway. FitOnClick provides corporate wellness services and is an aggregator company, but we could not confirm if they have already started their operations in Saudi Arabia as its founder had claimed the end of 2018. Moreover, the company is a start-up, only two years old with aggressive expansion plans; this may not qualify it as a top company, but it was next after the first two. Next, we started looking at industry and market reports that covered the topic and narrowing it down to Saudi Arabia, but we could not locate any specific data from these reports. Finally, we searched for Saudi Arabia's health, wellness, and fitness databases, but it was unsuccessful as we only found local gyms and fitness centers and no aggregator companies.

Part
11
of seventeen
Part
11

Saudi Arabia - Doctors and Nurses

Saudi Arabia has 89,675 doctors and 180,821 nurses. The Saudi Arabia government is the largest employer of doctors and nurses in Saudi Arabia as it accounts for 42.768 doctors working in the Ministry of Health and 17,206 doctors working in other governmental sectors as well as 101٫256 nurses working in the Ministry of Health and 36٫927 nurses working in other governmental sectors

DOCTORS

NURSES

Part
12
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Part
12

Saudi Arabia - Primary and Secondary Health Care Facilities

There are 2,390 primary health care facilities and 1,153 secondary health care facilities in Saudi Arabia. Primary health care centers are the first point of contact for the public. Specialist clinics and primary health care centers jointly form catchment for a secondary health care facility in Saudi Arabia.

Number of Primary Health Care Facilities in Saudi Arabia

  • According to the Ministry of Health in Saudi Arabia, currently, there are 2,390 Primary Health Care (PHC) centers/facilities in Saudi Arabia.

Number of Secondary Health Care Facilities in Saudi Arabia

  • According to the Ministry of Health in Saudi Arabia, currently, there are 20 Forensic Medicine Centers, 494 anti-smoking clinics, 28 Control Health Centers at entry points, 13 central/ regional laboratories, 14 rehabilitation centers, 42 dental centers, 204 dialysis centers, 39 diabetes centers, 4 oncology centers, 11 cardiology centers, and 284 hospitals in Saudi Arabia. Therefore, the total number of Secondary Health Care facilities is 1,153.

Nature of Primary Health Care Facilities in Saudi Arabia

Nature of Secondary Health Care Facilities in Saudi Arabia

  • Secondary health care in Saudi Arabia includes medical cities, specialized hospitals, military, and university hospitals.
  • The combination of primary health care centers and specialist clinics typically forms a catchment for a secondary health care facility in Saudi Arabia. They include forensic medicine centers, anti-smoking clinics, dental clinics, dialysis centers, diabetes centers, oncology centers, and cardiology centers.

Nature of The Overall Health Care Facilities in Saudi Arabia

  • Ministry of Health (MoH) provides an integrated network of health care services covering all regions of Saudi Arabia.
  • Saudi Arabia facilitates a free direct line to receive calls from patients and their families to provide medical consultations by doctors who are working around the clock and also provide medical advice and instructions in cases of poisoning. The government is also able to receive reports and complaints related to the health system.
  • All hospitals and health centers of the Ministry of Health and the Saudi Red Crescent Authority provide emergency health services, which include rapid response to emergencies and free emergency transportation.
  • Ministry of Health provides e-services such as Mawid Service, which enables patients to book, cancel or reschedule their appointments at primary health care centers, and Vaccination Reminder Service, which plays a significant role in maintaining the health of children in the country.

Research Strategy:

To provide the number and nature of the primary and secondary health care facilities in Saudi Arabia, we searched through the official country website of Saudi Arabia, the official website of the country's Ministry of Health, and a publication by Oxford Business Group on the health care sector of Saudi Arabia.

According to the study conducted by Oxford Business Group, the secondary health care facilities include forensic medicine centers, anti-smoking clinics, dental clinics, dialysis centers, diabetes centers, oncology centers, and cardiology centers.

Calculations

Therefore, total number of Secondary Health Care facilities = number of (forensic medicine centers + anti-smoking clinics + dental clinics + dialysis centers + diabetes centers + oncology centers + cardiology centers)
Total number of Secondary Health Care facilities = 20 + 494 + 28 + 13 + 14 + 42 + 204 + 39 + 4 + 11 + 284
Total number of Secondary Health Care facilities = 1,153


Part
13
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Part
13

Saudi Arabia - Private Health Insurance Ownership

Currently, out of the 10.8 million insured individuals residing in Saudi Arabia, an estimated 2.94 million of them are under private health insurance, taking a 27.2% share of the insurance market in the nation.

Insights on Private Health Insurance Ownership (Saudi Arabia)

  • Saudi Arabia currently has a population of 33.4 million.
  • According to a study released by the Global Health Exhibition, in Saudi Arabia, there are about 27 insurance agencies in operations, while the total number of individuals with insurance amounts to more than 10.8 million (as of December 2018). This figure includes more than 6 million insured expatriate employees and their 1.9 million dependents.
  • The prevalence of private health insurance ownership in Saudi Arabia, including supplementary coverage, based on the total number of insured individuals, is estimated to be around 27.2%, or about 2.94 million individuals, as of 2018. (See calculations below)
  • In 2010, 31% of individuals were covered by private health insurance in Saudi Arabia, while about 69% were covered by a public health service, public health insurance or social insurance, or other sickness funds.
  • Oxford Economics' report revealed that Saudi Arabia's private health insurance market will expand from $2.4 billion in the year 2016 to $3.5 billion by 2021.
  • Saudi Arabia's private health insurance market is expected to grow by 9.3% annually until 2021, compared to 2.4% for the government or public insurance sector.


Research Strategy:

To determine the prevalence of private health insurance ownership, including supplementary coverage, from the overall population and total insurance owners in Saudi Arabia, we looked at various studies, publications, market reports, and government reports on the insurance and healthcare industry in the country.

While we were able to find a direct statistics, the most recent information was from the year 2010. Hence, to calculate its latest percentage, we used the available related statistics from different studies and reports to come up with the final figure.

In July 2016, the Kingdom of Saudi Arabia (KSA) initiated a mandatory unified health insurance scheme, which was a health insurance for all employees in the private sector, including their families. In 2017, the system was completely in place.

Another joint study by Oxford Economics and Ernst & Young Global Limited released in 2017 on health insurance status in the Gulf region revealed that Saudi Arabia's private health insurance market will be valued at $3.5 billion by 2021, up from $2.4 billion (2016). The private health insurance market is expected to grow annually by 9.3% until 2021, and the government or public insurance will expand by 2.4%.

Calculations, Estimations, and Assumptions

In the Oxford Economics and EY Global Limited study, healthcare insurance in KSA was primarily classified into two segments — public sector and private sector. The private sector consist of private health insurance and out-of-pocket. Since supplementary coverage was also defined as "an insurance policy that supplements primary health insurance coverage," which includes different policies provided by employers or that employees can buy themselves, we included the out-of-pocket coverage in private health insurance. Saudi Arabia’s out-of-pocket insurance coverage amounted to $7.8 billion in 2016. We combined the two entities to present them as private health insurance ownership including supplementary coverage.

To calculate the percentage of private health insurance holders, we divided the combined value by the total KSA healthcare insurance spend in 2016 ($37.5 billion).

Private health insurance ownership percentage against the total KSA healthcare insurance spend in 2016
= [($2.4 billion + $7.8 billion)/$37.5 billion)] * 100
= 27.2% of the total health insurance spend

Hence, about 72.8% (100% - 27.2%) have public or government insurance. By comparison, in 2010, 69% of KSA citizens were covered by a public health service, public health insurance or social insurance, or other sickness funds, and 31% were covered by a private health insurance.

We assumed that the 27.2% share based on the total value spent by all insurance companies (public and private entities) paralleled the number of insured individuals in the country.

According to the study from the Global Health Exhibition, in Saudi Arabia, there are about 27 insurance agencies in operations, while the total number of individuals with insurance amounts to more than 10,801,693 (as of December 2018).

Number of private health insurance holders
= 10,801,693 * 27.2%
= 2.94 million
Part
14
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Part
14

Saudi Arabia - Health Insurance Practices

All Saudi nationals and expatriates are entitled to comprehensive health insurance from their employers. Employers that do not provide health insurance to their employees are subject to fines and having their business suspended. The insurance policy covers costs associated with medication, hospitalization, treatment, testing, and surgeries.

Health Insurance Practices for Employers

  • The Compulsory Employment-Based Health Insurance was fully implemented in Saudi Arabia in 2017.
  • Under the scheme, all companies in the private sector are required to provide comprehensive health insurance to their employees including expatriates and their dependents under one policy. The dependents include sons below 25, unmarried daughters, and spouses.
  • Similarly, female Saudi employees are required to include their children and husbands in the scheme.
  • It is noteworthy that an employer is not liable to provide health insurance once an employee’s contract ends.
  • The Council of Cooperative Health Insurance implemented a new unified policy on 1 July 2018.
  • The policy includes benefits, such as dental treatment, RSV vaccination, and hearing impairment coverage for children. In addition, the policy covers sleeve gastrectomy surgeries, psychological disorders, and infant formula for children under 2 years and in need.
  • The financial coverage limit for the policy is $133,345. It covers expenses such as medication, diagnosis, treatment, testing, hospitalization, and surgeries.
  • Health insurance companies are not allowed to issue policies that have fewer benefits than the ones stated in the new policy.
  • The limits for psychological and serious disorders are $4000 for serious issues and $1,333 for non-serious conditions. The limit for autism care is $13,334. Impairment and disability costs have a limit of $26,669.
  • The insurance premium is determined by insurance companies after looking at factors such as risk ratio, age, and medical history.

Health Insurance Practices for Individuals

  • On the other hand, expatriate workers cannot renew or obtain their residency permit without health insurance coverage
  • As it stands, individuals are required to receive comprehensive health insurance from their employers.
  • Employers that do not provide health insurance to their employees are subject to having their services suspended. Moreover, they are fined an equal amount of each employee’s insurance premium.
  • In addition, employers can lose their rights to hire expatriate workers, who form a majority of the workforce in the private sector.

Part
15
of seventeen
Part
15

Saudi Arabia - Health Expenditure

The health expenditure for Saudi Arabia has been estimated at 5.89% of GDP with the total health expenditure per capita estimated at $1,343.29 in 2019. According to the World Data Atlas database, the health expenditure was recorded at 5.7% of the country’s GDP with the total health expenditure per capita amounting to $1,147 in 2016.

Health Expenditure

  • According to the report published by the Global Health Exhibition, 15.6% of Saudi Arabia’s 2019 budget has been allocated to the healthcare sector and is the third-largest share in the country’s budget expenditure for the year. The budget allocated for the healthcare sector in 2019 amounts to SAR172 billion, which is equivalent to $45.86 billion (USD). The current budget for this sector is observed to be an 8% increase from SAR159 billion ($42.4 billion) of the previous year (2018).
  • In 2018, Saudi Arabia’s healthcare sector contributed 4.7% to the country’s GDP and is expected to grow by 13.7% by 2025. According to the Saudi Gazette, the country’s health expenditure is expected to reach $160 billion by 2030.
  • The most recent health expenditure per capita figure recorded for Saudi Arabia is for the year 2016 which amounted to $1,147 and grew at an annual average rate of 8.85%. According to the World Data Atlas, in 2016, the country's health expenditure as a percentage of GDP was recorded at 5.7%.
  • Saudi Arabia recorded a GDP of $191.61 billion in the first quarter and $197.34 billion in the second quarter of 2019. It was found that the GDP figures for the third and fourth quarters of 2019 are yet to be calculated. Therefore, the GDP of Saudi Arabia for the current year can be calculated by using the following formula,
  • The total expenditure on health as a percentage of GDP (2019) can be calculated as follows,
    • Health expenditure (% of GDP) = [(Budget expenditure for 2019 / Current GDP) x 100]
    • Health expenditure (% of GDP) = [($45.86 billion / $777.89 billion) x 100] = 5.89%
  • Therefore, the health expenditure for Saudi Arabia is estimated at 5.89% of the country’s GDP.
  • According to data from the World Bank, the current population for Saudi Arabia stands at 34.14 million.
  • The total expenditure on health per capita for the current year can be calculated as follows,
    • Total expenditure on health per capita = [Budget expenditure for 2019 / Current population]
  • Therefore, the total health expenditure per capita for Saudi Arabia is estimated at $1,343.29.

Research Strategy

To determine the health expenditure as a share of GDP and the total health expenditure per capita for Saudi Arabia, we began our search by looking into the country’s government databases such as The Ministry of Commerce and Investment and the National Portal, global healthcare databases such as the World Data Atlas, World Health Organization, and World Bank, country-specific healthcare reports from websites such as HealthData. A thorough search through these channels provided the required information for the years 2016 and older. While information pertaining to the overall healthcare expenditure and budget allocation for healthcare in Saudi Arabia for 2019 was available, data on the expenditure as a share of GDP and the expenditure per capita for the current year was unavailable.
We then expanded our search to include market reports from private healthcare institutions such as KPMG and global economic databases such as CEIC Data in the hopes of finding information on Saudi Arabia’s healthcare industry. However, the reports found provided data on the country’s overall health expenditure with a detailed breakdown categorized in terms of private, public, and quasi-government sectors. An exhaustive search provided no data on the health expenditure as a share of GDP or the health expenditure per capita for the current year. With limited information available on the subject for the year 2019, we then proceeded to triangulate the required data by utilizing the total health expenditure reported for this year, the current GDP, and the current population of Saudi Arabia. The estimated values for the health expenditure as a share of GDP and the total health expenditure per capita for Saudi Arabia have been calculated and presented.

Part
16
of seventeen
Part
16

Saudi Arabia - Government Policies Promoting Physical Activities

There is an increase in inactivity from the Saudi Arabian population in 2018. The government is still finding ways to implement policies to improve physical inactivity in the country, and because of this, there is a lack of information regarding policies that promote physical health within Saudi Arabia.

Useful Information

  • A study from the Journal of Epidemiology and Global Health found that 58.5% of the adult population in Saudi Arabia is considered to be physically inactive. While 57% of children and 71% of youths are considered to be physically inactive.
  • Overall, 60% of the Saudi Arabian population in 2018 were physically inactive.
  • It was also found that 90% of the population sits for more than two hours per day.
  • Because of the high inactivity rate, it was found that Saudi Arabia’s mortality due to non-communicable diseases (NCD) has also increased. These diseases include hypertension, diabetes, and obesity.
  • A study from Frontiers in Public Health found that the majority of the public health initiatives and programs that promote physical activity in the country from 2000 to 2018 were ineffective due to fragmentation, the short period of the initiative or program, and a lack of a governing body.
  • A study from iMedPub Journals found that 17.4% of the male children population and 20.9% of the female children population in Tabuk Saudi Arabia were considered obese. The study recommended a physical routine program for these children to be implemented by the government.
  • Furthermore, to combat NCD, Saudi Arabia has also implemented a tax increase for soft drinks within the state.
  • Additionally, as stated by the Quality of Life booklet from the Saudi Vision 2030, the country is planning to promote both sports and athletic activities in the country.
  • In other gulf countries such as the United Arab Emirates and Qatar, they have policies that promote physical activity in school settings.

Research Strategy

The research team started the search by looking for pre-compiled information regarding the number of government policies that promote physical activities in Saudi Arabia. During the search, we were not able to find any information regarding the given topic, so we decided to direct our search.

We then decided to look into the website of the Saudi Arabian government. The team hypothesized that this would be the first place where the Saudi Arabian government would publish reports indicating government policies that promote physical activities within the country. Upon visiting the “Individuals” section of the website and looking into the subheaders of “Social Life” and “Health Environment” where policies or services regarding physical activities might be located, we were not able to find anything related to the given topic. (2) We also visited the newly-made government site, where the central government site would be moved. However, once again, we were not able to find information or data regarding the given topic. The team also visited the Ministry of Health to look for information regarding the topic, but once again, there was no detail regarding policies that promote physical activities in Saudi Arabia. However, we were able to find

The research team then decided to look into reliable media sites in Saudi Arabia to see if they have any articles regarding the topic. We visited sources like Riyadh News, Saudi Gazette, Aljazeera, and others. We hypothesized that by looking into these articles, we might find information that we can use to triangulate the required answers to the given topic. As it was not feasible to look into each of the sites’ articles for information regarding policies and physical activities, we concentrated on looking at each of the sites’ lifestyle section, as it has the most chance of containing information we need for the research. Upon looking into the Arab News’ food and health section, we were not able to find any information detailing government policies that promote physical activities. Our look into the Saudi Gazette and other media sites also resulted in a lack of information.

The team also looked into research studies regarding physical health in Saudi Arabia to see whether the government is implementing policies like promoting physical health for their citizens’ lifestyle. We found a study in the iMedPub Journals regarding the prevention of childhood obesity in Saudi Arabia. However, the study did not study any existing government policies, but rather, it provided recommendations (such as giving a physical activity routine for children) to combat obesity within the country. The team found another research article regarding the promotion of health in the Arab Gulf states. It stated that the United Arab Emirates and Qatar had implemented policies for increasing healthy nutrition and physical activity in their states. However, the study only listed Saudi Arabia’s soft drink taxation. The team found another study regarding the physical activities of children in Saudi Arabia, which compared generations from before and today, but once again, it did not state any government policies that promote physical activities within the state. We also found a study that looked into initiatives and programs that promoted physical activity in Saudi Arabia. Although it provided a list of initiatives and programs, we could not use these initiatives as they were different from policies. Government initiatives or programs were considered to be short-term while policies are long-term. Furthermore, the study recommended an overall government policy that promotes physical activity within the country. Lastly, the team found another study from the Journal of Epidemiology and Global Health regarding the physical activity promotion in Saudi Arabia. However, the article only talked about how physicians can promote physical activity and nothing about government policies.

Lastly, the team decided to look into the Saudi Arabia Vision 2030 to see whether the government has plans on implementing policies that promote physical activity or whether they are planning to improve on already implemented policies. Upon looking into the Quality of Life booklet, we found that the government is planning to promote and increase public participation in sports and athletic activities. However, there is no information regarding existing government policies about the promotion of physical activities within the state. After the exhaustive search, the team concluded that information regarding government policies that promote physical activities in Saudi Arabia could not be found. This might be because the government is still planning to implement these policies.
Part
17
of seventeen
Part
17

Saudi Arabia Executive Summary

Saudi Arabia does not have any data privacy regulations in place, nor does it promote physical activity, although there are plans to do so. Health insurance is compulsory and must be offered by employers.

Regulatory Boundaries

  • There are no specific data protection laws in Saudi Arabia, but under Shari'ah principles, which represent the paramount body of law in Saudi Arabia, "the disclosure of secrets is prohibited except inter alia where the owner of the relevant secret agrees to such disclosure or if the public interest requires so."
  • The courts under Shari'ah are responsible for using discretion when adjudicating violations of data privacy.
  • Some reports have indicated that there is a "Freedom of Information and Protection of Private Data Law" that is in draft form and is currently being reviewed by the Shura Council, the formal advisory body of the Kingdom of Saudi Arabia.
  • If passed, the "Freedom of Information and Protection of Private Data Law" would require that "any party who processes personal data must adhere to the principles of transparency, fairness, and accountability."
  • The absence of data protection laws in Saudi Arabia could mean that Fitbit would be successful in entering the market.
  • In Saudi Arabia, commercial law is still in development and various entities are working together to overhaul the country's current commercial laws to create an arbitration center in collaboration with the Council of Saudi Chambers of Commerce and Industry.
  • A barrier to foreign trade with Saudi Arabia is the commercial dispute settlement process as "Sharīʿah principles can potentially trump any foreign judgments or legal precedents."
  • The Internet of Things (IoT) Regulatory Framework, published by the Communications and Information Technology Commission (CITC), governs all IoT usage in Saudi Arabia.
  • This framework requires all IoT providers to comply with "data security, privacy, and protection requirements, including all "future published laws, regulations, and requirements concerning data management including security, privacy, and protection."
  • This could be an issue for IoT entrants into the market because it infers that there will be privacy laws implemented in Saudi Arabia in the future.

Industries Receptive to Wellness Programs in Saudi Arabia

  • The energy industry in Saudi Arabia is likely receptive to wellness programs because several energy companies have previously been sold wellness programs.
  • The financial services industry in Saudi Arabia is likely receptive to wellness programs because several financial services companies have previously been sold wellness programs.
  • The engineering industry in Saudi Arabia is likely receptive to wellness programs because engineering companies in Saudi Arabia have previously been sold wellness programs.
  • The chemical industry in Saudi Arabia is likely receptive to wellness programs because wellness companies have sold programs to several chemical companies in the past.

Energy Industry — Leading Companies in Saudi Arabia

Insurance and Bank Industries — Leading Companies in Saudi Arabia

  • Tawuniya has 4,731 employees and has 108 offices.
  • Bupa Arabia has 1,674 employees and six offices in Saudi Arabia.
  • Al Rajhi Takaful has 960 employees and 25 retail branches.
  • Medgulf has 1,400 employees and 24 offices in Saudi Arabia
  • AXA Cooperative has 300 employees and 35 office across Saudi Arabia
  • National Commercial Bank has 7,839 employees and 405 branches in Saudi Arabia.
  • Al Rajhi Bank has 13,532 employees and 671 branches in Saudi Arabia.
  • Samba Financial Group has 3,497 employees and 139 locations.
  • Riyad Bank has 5,600 employees and 312 branches.
  • Banque Saudi Fransi has 3,000 employees and 105 locations.

Top Ten Insurers in Saudi Arabia by Market Share

  • Bupa Arabia has a 40.6% market share.
  • Tawuniya has a 30.2% market share.
  • Medgulf has a 9.0% market share.
  • AlRajhi Takaful has a 2.4% market share.
  • Saudi Arabian Cooperative Insurance Company (SAICO) has a 1.9% market share.
  • Arabian Shield has a 1.6% market share.
  • Enaya has a 1.4% market share.
  • AXA Cooperative has a 1.4% market share.
  • Al Sagr Insurance has a 1.4% market share.
  • MetLife AIG ANB has a 1.3% market share.

Engineering Industry — Leading Companies in Saudi Arabia

  • SABIC has 33,000 employees and operates in more than 50 companies.
  • Ma'aden has 7,000 employees and operates in 13 locations.
  • Saudi Aramco has 65,000 employees and operates in 10 locations.
  • Saudi Binladin Group has 100,000 employees worldwide and has four locations.
  • Sahara International Petrochemical Company (Sipchem) has 1,113 employees in four locations.
  • Petro Rabigh has 3,000 employees and two offices.
  • Baas International Group has over 700 employees in three locations.
  • Yes Yem Yech Industrial Services (SMH) has between 500 and 1,000 employees in five countries.
  • Abunayyan Holding has 4,500 employees in three regions.
  • Farabi Petrochemicals has about 500 employees in one location.

Chemical Industry — Leading Companies in Saudi Arabia

  • SABIC has 33,000 employees and operates in 112 offices in 50 companies.
  • Saudi Arabian Fertilizer Company has 1,249 employees in one location.
  • Petromin Corporation has 5,000 employees in 15 world offices.
  • Saudi Aramco Total Refining and Petrochemical (SATORP) has 46,000 workers in one location.
  • Saudi Chemical Company has 1,000 employees at one location.
  • Advanced Petrochemical Company employs 325 workers in one location.
  • Sahara Petrochemicals Company has 500 employees in one location.
  • Astra Industrial Group (AIG) has 3,800 workers in one location.
  • Chemanol has 485 employees in one location.
  • Basic Chemical Industries has 391 employees in eight offices.

Telecommunications Industry — Leading Companies in Saudi Arabia

  • Saudi Telecom Company (STC) has 21,316 employees in 220 offices.
  • Integrated Telecom Company (ITC) has over 400 employees in three offices.
  • GO Telecom-Etihad Atheeb has 900 employees in at least one office.
  • Mobily-Etihad Etisalat has 6,120 employees in more than 300 offices.
  • Zain KSA has 2,800 employees in more than 200 locations.
  • Virgin Mobile Saudi Arabia has 221 employees in 75 locations.
  • Arabsat has over 200 employees in five regional offices.
  • Lebara Saudi Arabia has over 100 employees in 90 offices.
  • Al Arrab Communications has 600 employees in 13 offices.
  • Baud Telecom Company has 277 employees in five offices.

Corporate Wellness Aggregators in Saudi Arabia

  • There are no corporate wellness aggregators in Saudi Arabia, but ClassPass is looking to enter the market soon, after having entered the Middle East in 2018.
  • Xponential Fitness also expects to expand to Saudi Arabia within the next three years and FitOnClick plans to launch in Saudi Arabia, Oman, and Kuwait.

Doctors and Nurses

  • Overall, there are 89,675 doctors working in Saudi Arabia, which include 13,935 dentists.
  • There are 47,768 doctors working for Saudi Arabia's Ministry of Health, including 3,588 dentists.
  • There are 17,206 doctors working in other governmental areas, including 1,237 dentists.
  • In the private sector, there are 29,701 doctors, including 9,020 dentists.
  • There are 180,821 nurses working in Saudi Arabia with 101,256 for the Ministry of Health, 36,927 in other governmental sectors, and 42,638 working in the private sector.

Primary Health Care Facilities

  • There are 2,390 primary health care facilities in Saudi Arabia and 1,153 secondary health care facilities.
  • Primary health care facilities comprise dispensaries, health offices, and maternal and child health centers.
  • Secondary health care facilities comprise medical cities, specialized hospitals, military, and university hospitals.
  • Overall, the Saudi Arabia Ministry of Health provides an integrated network of all healthcare services that also cover all regions in the country.

Private Health Insurance Ownership

  • Approximately 27.2% of the Saudi Arabian population has private health insurance, which represents 2.94 million people.

Health Insurance Practices

  • All nationals and expatriates in Saudi Arabia are entitled to employer-provided health insurance. Employers who do not provide insurance for their employees are subject to fines and the suspension of their ability to operate.
  • Comprehensive health insurance must be provided to employees and their dependents to include sons under the age of 25, unmarried daughters, and spouses.
  • There is a coverage cap of $133,345 for medications, diagnosis, treatment, testing, hospitalization, and surgeries.
  • There are also limits for mental health, impairment, and disability.

Health Expenditures

  • The 2019 Saudi Arabian budget allocates 15.6% to the healthcare sector and represents the equivalent of $45.86 billion. This is an increase from $42.4 billion in 2018.
  • The Saudi Arabian healthcare sector contributes 4.7% to the country's GDP.
  • The healthcare expenditure per capita was $1,147 in 2016, the most recent year for which data was available.

Government Policies Promoting Physical Activities.

  • There are no government policies in place in Saudi Arabia that are designed to promote physical activity.
  • There has been a tax implemented in the country on soft drinks in an attempt to curb the obesity rate.
  • In Saudi Arabia's Saudi Vision 2030, there is a plan to implement sports and athletic activity promotion in the country, but that plan has yet to be detailed.

Research Strategy

This executive summary provides a summary of each of the 16 previous research projects for Saudi Arabia. Note that due to a technical issue, we were unable to cite all figures in this summary, but all facts, figures, and quotes are cited in the original research.
Sources
Sources

From Part 02
Quotes
  • "The study highlights the key market drivers and restraints that are shaping the KSA's telecom market, along with an in-depth analysis of the competitive environment in terms of business model evolution, product line, technology leadership, product innovation, revenue growth, profitability, competitive differentiation, and customer service for each of the 3 MNOs focused on in the study: STC, Mobily, and Zain."
Quotes
  • "In 2019 DSL subscriptions continue to decline as consumers switch to mobile broadband or fibre broadband services. Subscriptions to DSL have now dropped below 1 million for the first time in more than a decade."
  • "Mobile penetration is high in Saudi Arabia and the market is heavily saturated. This offers great potential for mobile commerce due to the uptake of mobile broadband services and adoption of smart phones. Mobile broadband subscriptions may pass 100% penetration in 2019."
  • "Saudi Telecom Company (STC), Integrated Telecom Company (ITC), GO Telecom/Etihad Atheeb, Mobily/Ettihad Etisalat/Bayanat Al-Oula, Zain KSA, Virgin Mobile Saudi Arabia, Arabsat."
From Part 03
From Part 04
Quotes
  • "Ranked among the world’s largest petrochemicals manufacturers, SABIC is a public company based in Riyadh, Saudi Arabia. 70% of the Company’s shares are owned by the Saudi Arabian government, with the remaining 30% publicly traded on the Saudi stock exchange."
  • "SABIC began in 1976 by Royal decree and its growth has been nothing short of miraculous. Today, the company has operations in over 50 countries with a global workforce of over 33,000 talented individuals. "
From Part 05
From Part 06
From Part 09
Quotes
  • "The number of insured in health insurance stood at 12.06 million at the end of 2017."
Quotes
  • "Health insurance sector consisted of 27 listed insurers. However, Bupa Arabia, Tawuniya and Medgulf have continued to dominate the sector."
Quotes
  • "Health insurance sector consisted of 27 listed insurers. However, Bupa Arabia, Tawuniya and Medgulf have continued to dominate the sector."
Quotes
  • "The agreement was signed during the Financial Sector Conference held in Riyadh on 24-25 April 2019, under the patronage of the Custodian of the Two Holy Mosques King Salman Bin Abdul Aziz. It will allow Tawuniya customers to enjoy the benefits and services of the Vitality health and wellness program and join millions of members worldwide."
From Part 10
Quotes
  • "Ashley Kent, UAE Country Manager of ClassPass “The growth in the Saudi Arabia fitness scene has been very exciting to see and we think that momentum will continue to build. We are keeping a close eye on trends emerging throughout this region and hope to stay ahead of them. Of course, we also want to continue to partner with studios throughout the UAE, so that we continue to offer the largest network of coverage out of any fitness aggregator.”"
Quotes
  • "Definitely, we are trying to reach out to other countries. The first thing we’re trying to do is go to Oman, Kuwait, and Saudi Arabia, Samuel said."
From Part 13
Quotes
  • "KSA began implementing the mandatory unified health insurance scheme in July 2016, with the system fully in place in 2017. "
  • "As of December 2018, there are 27 insurance companies are operating in Saudi Arabia and the number of insured persons in the kingdom stood at 10,801,693 including over one million Saudi employees along with over 1.77 million of their dependents. Meanwhile, over six million expatriate employees were insured along with over 1.9 million of their dependents."
  • "The new regulations are expected to add another two million people to the overall number of insured persons by the end of 2019."
Quotes
  • "The single largest economy of the GCC states, with a population of 32m, the KSA now requires — as of 2017 —health insurance for all employees in the private sector, as well as their families. To meet rising demand over this period, the Oxford Economics expects the pace of private health spending (both out-of-pocket and insurance spending) to accelerate. "
  • "They forecast the private health insurance market in Saudi Arabia to reach US$3.5b by 2021, from an estimated US$2.4b in 2016, an annual growth rate more than 9%. "
Quotes
  • "The total Saudi labor force was estimated to include about 8.01 million people as of 2008. The total number of people currently working in the Saudi private sector is believed to be 6.84 million; of this number 2.2 million are foreign nationals, while 4.6 million are Saudi citizens. Therefore, under the current guidelines, a conservative estimate would mean that 6.84 million people in the country have some form of private health insurance. An estimated 5.5 million expatriates currently reside in the country, although not all of them work in private industries. "
Quotes
  • "However, some dissatisfaction was expressed with regard to private insurance and services provided by private healthcare facilities. More specifically, participants reported long waiting times for insurance patients compared with those who paid cash directly. "
Quotes
  • "GaStat spokesman, Taiseer Almufarrij said that according to the population characteristics survey2017, the number of Saudi Arabia’s population is (32552336) compared to (31742038) which is the number registered in the demographic survey 2016, with a growth rate of (2.52%). "
Quotes
  • "Saudi Arabia's Population reached 33.4 million people in Dec 2018, compared with the previously reported figure of 32.6 million people in Dec 2017."
Quotes
  • "Of the total population, 69 % is covered by a public health service [in 2010], public health insurance or social insurance, or other sickness funds and 31 % is covered by a private health insurance."