Determinants of medical borrowing and associated inequalities in the Kingdom of Saudi Arabia: evidence from the Global Findex survey

BACKGROUND: While out-of-pocket health expenses continue to rise, households' coping strategies remain largely unexplored. When individuals and families rely on unsustainable mechanisms such as borrowing, they may face heightened financial vulnerability, which can be particularly severe among certain socio-economic groups. This study examined the determinants of medical borrowing and the associated inequalities in Saudi Arabia. METHODS: Nationally representative data from the 2021 World Bank Global Financial Inclusion (Global Findex) database were analysed. Descriptive statistics summarized respondents' characteristics, and Chi-squared tests assessed bivariate associations between socio-economic factors and medical borrowing. Multivariate logistic regression models were then estimated to identify independent determinants of medical borrowing. Socioeconomic inequalities were further evaluated using concentration curves and concentration indices. RESULTS: Approximately 16.3% of the 1019 respondents from the KSA reported borrowing money for medical purposes within the preceding 12 months. Medical borrowing was less common among higher-income and more educated individuals [Model 3 odds ratio = 0.561; 95% confidence interval: 0.391-0.807; p < 0.01). Borrowing incidence was slightly lower for males than for females. Across all models, government employees showed consistently higher odds of borrowing for medical expenses. Inequality analysis showed a negative education-based concentration index (-0.117, p ˂ 0.01), indicating that medical borrowing was disproportionately concentrated among individuals with lower educational attainment. CONCLUSION: Socio-economic inequalities in borrowing for medical purposes exist in Saudi Arabia, highlighting the need to curb distress financing, particularly among lower-income groups, less-educated individuals, and public sector employees. These findings underscore the importance of expanding equitable insurance coverage and reducing reliance on out-of-pocket spending. Strengthening public healthcare quality and aligning reforms with Vision 2030 goals will be critical to curbing medical indebtedness and enhancing financial protection for all in Saudi Arabia.