This paper examines the overall quality of healthcare in Saudi Arabia and then explores the relationship between the health insurance (public and private) and the overall quality of health care. By reviewing publications such as journals, books, internet articles, presentations, dissertation, online sources and the fourth, this research is conducted by literature review methodology. We are interested in the following research questions: 1) What is the influence of health insurance on gaining access to quality health care services? 2) How can health insurance help in enhancing patient satisfaction and reducing financial distress and medical debts? And 3) What is the role of health care insurance in providing opportunities for timely medical interventions and reducing the cost of medical care? This study discovers that there has been an improvement in the quality of health care services in the Kingdom of Saudi Arabia because of the private and public health insurance policies. It can be concluded from the study that Saudi Arabia has come far enough in providing the health care insurance to its pilgrims and also the employees from the foreign countries but there is always a place to make changes and introduce policies that can help everyone irrespective of the regional differences, socio-economic differences or religious differences, and everyone can get the best quality of health care. We propose an integrated theory of factors impacting on the quality of healthcare in the context of Saudi Arabia.