About Saudi Enaya

Elevated Healthcare Insurance Perspective

Saudi Enaya Cooperative Insurance Company was granted the Royal Decree approving its formation in June 2011. Saudi Enaya is a Tadawul-listed company with a paid-up capital of SAR 230 million.

In August 2012, Saudi Enaya received the required certification from the Insurance Authority (IA), allowing the company to function as an insurance service provider within the Kingdom.  Additionally, in September of the same year, the company obtained its Council of Cooperative Health Insurance (CCHI) certification. Commencing its operations and sales on January 1, 2013. Saudi Enaya stands out as one of only two companies in the Saudi health insurance market solely focused on providing quality healthcare insurance. The company offers specialized health insurance services aligned with CCHI standards, catering to the healthcare needs of individuals and businesses across all sectors.


To become known as a highly- specialized and innovative health insurance provider among the Top 5 in the Saudi Arabian marketplace with 1 million members by 2023.


To sustainably provide high-quality and customer-centric health insurance products for the benefit of our members, shareholders and the community.


Exceed: We strive to exceed expectations in everything we do 

Nurture: We nurture the communities that surround us and depend on our support 

Accept: We accept the responsibility that people’s health depends on our efficiency and excellence of service 

Devoted: Gratefully, truly and devoted, we are with every one of our customers every step of every day 

Advanced: We are always one step ahead in knowing our customers’ needs and providing innovative solutions that simplify your life

Senior Management

Mr. Sultan AbdulRauf

CEO – Managing Director

Sultan Abdulrauf has been CEO of Saudi Enaya since August 2020. He has over 25 years of executive-level experience in Financial sector working with prestigious public and private organizations. His previous positions include Chief Investment Officer at Saudi Research & Marketing Group. Head of Direct Investments at SEDCO Holding Group, a leading private wealth management organization. Managing Director at SEDCO Capital, an asset management firm regulated by Capital Markets Authority in Saudi Arabia.


Sultan’s extensive business experience includes serving on Boards and Committees of more than 12 organizations locally and internationally including healthcare providers.


He received his Master of Accountancy & Financial Information Systems from Cleveland State University in the USA. He is also a US CPA.

Board of Directors

Mr. Khaled Abed Gama

Chairman of the Board of Directors

Mr. Muhammad Abdullah Al Dar

Vice Chairman of the Board of Directors

Mr. Paul Schultz

Board Member

Mr. Khaled Aldhaheri

Board Member

Mr. Ibrahim AlBalushi

Board Member

Mr. Gunther Saacke

Board Member

Mr. Sultan AbdulRauf

Board Member

Dr. Abdulrahman Tolefat

Board Member