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.

AED 1 million Health cover starting @4/Day
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  • Self Only
  • Both Self and Family
  • Family without Self
  • Domestic Workers
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The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

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
read more

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 -

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

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.

How to Apply for Health Insurance for Domestic Workers?

You can easily apply for a domestic worker health insurance plan via 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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