- Domestic Helper Medical Insurance in UAE
- Who are Defined as Domestic Workers?
- Why is it Important to Insure Domestic Workers?
- Top Insurance Companies that Offer Domestic Worker Health Insurance in the UAE
- What is the Minimum Level of Cover Required by the Law?
- Exclusions under Domestic Worker Health Insurance in the UAE
- Benefits of Buying Health Insurance for Maids
- Documents Required to Apply for Domestic Worker Health Insurance
- Eligibility Criteria to Meet to Get Health Insurance for Maids
- How to Apply for Health Insurance for Domestic Workers?
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Domestic Workers Health Insurance
In the bustling households of the UAE, domestic workers play an invaluable role in ensuring our homes run smoothly. Domestic worker health insurance, in turn, plays a crucial role in ensuring the well-being of these unsung heroes by safeguarding their health and welfare.
30 Minutes Claim Assistance
Medical Expenses Coverage
Cashless Hospitalisation
4.6/5
31,675
Reviews1.5 Million+
Trusted Customers
35+
Insurance Partners
750K+
Policies Sold
AED 1 million Health cover starting @4/Day
Self Only
Both Self and Family
Family without Self
Domestic Workers
InvestorHealth Insurance Plans
Clinic Only
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Plan NameECARE BLUE
Medical Cover (AED)150,000
Starting FromAED 5,391/Yearly
NetworkE CARE Blue
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Plan NameBlue
Medical Cover (AED)150,000
Starting FromAED 5,739/Yearly
NetworkBlue
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Plan NameHealth Plus - Plan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,553/Yearly
NetworkNEXTCARE RN3
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Plan NameHealthguard Regional
Medical Cover (AED)2,750,000
Starting FromAED 35,608/Yearly
NetworkGeneral
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Plan NameGlobal
Medical Cover (AED)7,500,000
NetworkIn-house A1
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Plan NameHealth First Plan G
Medical Cover (AED)500,000
Starting FromAED 5,083/Yearly
NetworkNetwork - PCP C/RN3
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic Only
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Plan NameDubaiCare Next N5
Medical Cover (AED)1,000,000
Starting FromAED 6,097/Yearly
NetworkDubaiCare Next
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Plan NamePlan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,553/Yearly
NetworkNEXTCARE RN3
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Plan NameNextcare RN3
Medical Cover (AED)1,000,000
Starting FromAED 6,787/Yearly
NetworkNEXTCARE RN3
The list of hospitals & clinics where your health insurance plan can be applied.
Plan NameEssential
Medical Cover (AED)150,000
Starting FromAED 7,350/Yearly
NetworkNetwork - PCP/RN3
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Plan NameSilk Road
Medical Cover (AED)1,000,000
Starting FromAED 10,245/Yearly
NetworkMEDNET Silk Road
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Plan NameNAS NRICare Plan 6
Medical Cover (AED)1,000,000
Starting FromAED 11,058/Yearly
NetworkNAS-VN
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Plan NameSafe
Medical Cover (AED)150,000
Starting FromAED 11,325/Yearly
NetworkVital Network
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Plan NameBronze
Medical Cover (AED)250,000
Starting FromAED 17,993/Yearly
NetworkMSHI Bronze
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Plan NameSelect Pearl (Comprehensive excl CCAD network)
Medical Cover (AED)6,426,800
Starting FromAED 69,491/Yearly
NetworkIn-house
The list of hospitals & clinics where your health insurance plan can be applied.
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Plan NameSelect
Medical Cover (AED)6,239,000
Starting FromAED 69,883/Yearly
Plans shown as per selected filters. T&Cs apply
Table of Content
Domestic Helper Medical Insurance in UAE
In this article, we will talk about the importance of providing comprehensive health insurance to domestic workers in the UAE. From navigating legal requirements to understanding coverage options tailored to their unique needs, we'll explore how this transformative insurance bridges the gap and offers peace of mind and protection to both employers and workers.
Join us as we delve into the world of domestic worker health insurance, empowering households across the UAE to prioritise the well-being of those who tirelessly care for our homes.
Who are Defined as Domestic Workers?
Federal Law No. 10 of 2017 was authorised by His Highness Sheikh Khalifa bin Zayed Al Nahyan, President of the United Arab Emirates. As per this law, domestic workers are individuals who are employed in the following professions -
- Housemaids
- Private Coaches
- Gardeners
- Nannies/babysitters
- Family chauffeurs
- Watchmen and Security Guards
- Private Teachers
- Household Farmers
- Household Shepherds
- Private Sailors
- Private Nurses
- Parking Valet Workers
- Cooks
- Housekeepers
- Household Horse Groomers
- Private PROs
- Household Falcon Caretakers and Trainers
- Domestic Labourers
- Private Agriculture Engineers
AED 1 million Health cover starting @4/Day
Why is it Important to Insure Domestic Workers?
By caring for your family and keeping up your homes, domestic workers play a crucial role in your daily lives - many of us would suffer without their assistance. It is essential for us to look after them as well. This can be easily achieved with the help of insurance, which would also provide you peace of mind in the event of any bad circumstances.
A crucial tool for ensuring your domestic assistants' well-being is health insurance. For them to be capable of doing all the household chores effectively, their overall wellness is essential. An essential step in safeguarding the health and well-being of your domestic assistants is to provide insurance coverage. Furthermore, these plans are affordable and usually cost between AED 550 and AED 720.
Top Insurance Companies that Offer Domestic Worker Health Insurance in the UAE
Listed below are the companies that offer health insurance for maids in the country -
- GIG Gulf (Previously AXA) Insurance
- Sukoon (Prev. Oman) Insurance
- MetLife
- Ras Al Khaimah National Health Insurance company
- Dar Al Takaful
- Orient Insurance
- Takaful Emarat
What is the Minimum Level of Cover Required by the Law?
The Essential Benefits Plan (EBP) specifies the minimal degree of protection needed by all Dubai residents and domestic employees. The benefits of this type of insurance plan include the following -
- This insurance plan has an AED 150,000 annual cap.
- Limited emergency medical care is available in the UAE.
- Basic medical treatment is available across the Emirate of Dubai.
- Treatment for chronic and pre-existing illnesses is covered after the first six months.
- The insured must pay a 20% co-insurance for basic in-patient medical treatments, with a limit (the most that may be paid) of AED 500 for each encounter and an annual cumulative limit of AED 1,000. Anything exceeding these limits will be covered by the insurer.
- Every medical prescription comes with a 30% co-insurance fee that must be paid by the insured person (up to an annual cap of AED 1,500).
Exclusions under Domestic Worker Health Insurance in the UAE
The following are the exclusions under domestic worker health insurance in the UAE -
- Services in the medical field that are not strictly necessary
- All costs associated with dental care, dental prosthetics, and orthodontic procedures
- Unauthorised healthcare service providers’ healthcare services
- Health services and equipment for nicotine addiction treatment and smoking cessation programmes
- The cost of hearing exams, vision corrections, prosthetics, or eye and hearing-aids
- Unless in a critical state, mental health problems (both outpatient and inpatient treatments) are excluded
- Acupuncture, acupressure, hypnosis, therapeutic massage, aromatic treatments, ozone therapy, homoeopathy, and all other types of alternative medicine for healthcare
AED 1 million Health cover starting @4/Day
Related Health Insurance
Benefits of Buying Health Insurance for Maids
With inflating medical costs, domestic workers can, at times, end up getting into a spiral of debt. It is important that you sponsor your house help, as this can ensure peace of mind for them.
Here are the benefits of buying a domestic worker health insurance plan in the UAE:
- No More Extended Loans to Cater to Health Issues - If your domestic help gets a health insurance plan, they would not need any big loan as the basic health insurance plan would cover all fundamental and life-threatening diseases.
- Enhanced Retention - When you take care of your house help and secure them with a domestic worker health insurance plan, you increase the chances of retaining them.
- Financially Secure the House Help in Case of Health Crisis - Your domestic help won’t have to worry about funds while getting treated during a health crisis, as the health insurance for housemaids would offer them much-needed financial assistance in case they require any treatment.
Documents Required to Apply for Domestic Worker Health Insurance
Listed below are the documents required to apply for a domestic worker health insurance plan in the UAE -
- A signed and sealed labour contract, a salary certificate, and a copy of the applicant's passport (for domestic employees).
- Emirates ID of the sponsor and the insured member along with a copy of their visa
- If applicable, a certificate of continuity (covering chronic and pre-existing conditions)
Eligibility Criteria to Meet to Get Health Insurance for Maids
You can apply for a domestic worker health insurance plan in the UAE if your house help has a gross salary of AED 4,000 or below.
AED 1 million Health cover starting @4/Day
How to Apply for Health Insurance for Domestic Workers?
You can easily apply for a domestic worker health insurance plan via Policybazaar.ae. This online insurance souk is your one-stop destination for getting the best financial coverage for yourself, your loved ones, automobiles, businesses, domestic help, and more. You can easily use our platform to explore health insurance for maids from the leading insurance providers in the UAE.
To apply for a health insurance plan, click on the ‘Health Insurance’ tab on the homepage or select the option from the ‘Insurance’ tab on the menu bar. You will be navigated to the lead form. Fill it out in the form accurately. Once done, click on the ‘View Quotes’ tab to be directed to the health insurance quotes page.
Go through the Essential Basic Plans (EBPs) and select the most suitable option for your domestic help.
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Ajay SinghDubai, 5 December 2025
★★★★★
Best Deals and Quick ApprovalI was looking for medical insurance in Dubai for my family, and a friend suggested PolicyBazaar.ae. I was amazed by the number of options available. The best part? I found a policy that was affordable and provided excellent coverage. The application process was simple and my policy got approved quickly. Thanks to PolicyBazaar.ae.
Abdul Dubai, 5 December 2025
★★★★★
Found the Right Health Insurance PlanFinding health insurance for my elderly parents in Dubai was quite challenging until I came across PolicyBazaar.ae. Their platform helped me to compare different medical insurance plans based on age, coverage and premium costs. After consulting their experts, I chose a plan that offered great coverage for pre-existing conditions at an affordable price.
Md ShafiDubai, 11 November 2025
★★★★★
Health Insurance in Dubai Made EasyGetting health insurance in Dubai always felt like a headache. Too many options, too many confusing terms. But with Policybazaar.ae, it was all laid out clearly. They are well-versed in Dubai regulations and even helped me select a health insurance plan that met my visa requirements. The whole process was done in a few clicks.
Nuria Dubai, 11 November 2025
★★★★★
Lowest Prices in the MarketI compared quotes from almost every health insurance site out there, but Policybazaar.ae genuinely gave me the best price. I didn’t have to chase agents or waste time calling around – everything was online, super transparent and quick. Highly recommend it if you're looking for the best health insurance coverage in Dubai at the lowest possible price.
Mohamed SirajDubai, 27 October 2025
★★★★★
All Top Insurers, One Click AwayObtaining health insurance used to mean five websites, three sales calls and one confused head. Then I found Policybazaar.ae. Suddenly, HAYAH, Cigna, and Takaful Emarat were all in one clean dashboard. No hidden costs, no endless forms—just comparison made simple.
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