The research aimed to find out what factors affect the value of health insurance policies in Saudi Arabia. They used a survey to gather information from 200 employees in all insurance companies in the country. The study found that the type of contract and the level of risk involved in the policy greatly influence its value. Providing better health services to the insured also plays a role in determining the policy's value. The study suggests that insurance companies should make health insurance more accessible and affordable for everyone, and educate people about its importance.