Hiring a domestic worker is a common practice in many Gulf households, and with this decision comes a set of responsibilities—most importantly, ensuring their safety and well-being. Domestic workers insurance is not only a legal requirement in many cases, but it also provides peace of mind by covering medical emergencies, unexpected absences, and more. In this article, we’ll explore the different types of insurance for domestic helpers, how much they cost, and what to consider when choosing a policy.
Insurance for domestic workers can come in different forms, depending on the type of coverage needed. The most common types include:
Medical insurance: Covers treatment costs in case of illness or accidents.
Runaway insurance: Provides compensation in case the domestic worker leaves without notice.
Personal accident insurance: Covers injuries sustained during work.
Comprehensive domestic workers insurance: Combines medical, accident, and runaway coverage.
Each type serves a unique purpose, and depending on your needs, you can choose the appropriate policy through licensed insurance providers.
The price of domestic workers insurance varies depending on several factors, such as:
Type and level of coverage selected.
The worker’s nationality and age.
The insurance company and their policies.
Duration of the policy (e.g., one year vs. two years).
As a rough guide, basic medical-only policies may start at around SAR 400, while more comprehensive policies can go up to SAR 1200 or more.
To compare prices and choose the right plan, check the available offers on the Domestic Workers Insurance page at Brokerage Insurance.
Medical insurance is arguably the most essential type of coverage. It ensures your helper receives adequate treatment in case of:
Illness
Accidents at home or during tasks
Emergency surgeries or hospitalization
Most policies cover doctor visits, medication, tests, and access to a network of approved hospitals. In some cases, this insurance is required for processing worker visas and renewals.
In some unfortunate cases, domestic workers may leave without notice, leaving families with unexpected financial burdens. Runaway insurance helps by:
Compensating for recruitment costs or agency fees.
Covering the cost of hiring a replacement worker.
In some cases, offering legal coverage or support.
Runaway insurance gives employers added security, especially when hiring workers from abroad.
Selecting the right insurance company is crucial. Here are factors to consider:
The company’s reputation and customer reviews.
The simplicity and speed of the claims process.
Variety of coverage options available.
Availability of online services and customer support.
One of the most trusted names in the Saudi market is Brokerage Insurance, which offers a wide range of domestic worker insurance options. Explore their offers and policies directly on theofficial website.
If you ever need to submit a claim, the process is usually straightforward. Here’s how to do it:
Contact the insurance provider immediately after the incident.
Fill out the claim form provided by the company.
Attach required documents, such as medical reports or police reports (for runaway cases).
Submit your claim either online or through the insurance office.
Wait for approval and receive the reimbursement or service.
For clients of Brokerage Insurance, claims can be filed easily using their online claim form.
Looking to reduce your insurance expenses while maintaining quality coverage? Consider the following tips:
Compare offers from multiple insurance providers.
Choose only the coverage you truly need.
Look for seasonal or bundled promotions.
Ask about group insurance discounts if applicable.
Also, make sure to renew your insurance on time and track market updates for any regulatory changes or cost-saving opportunities.
Ready to protect your home and your domestic worker the smart way?
Explore trusted and affordable plans atBrokerage Insurance, where you’ll find everything you need—from basic to full coverage policies—all in one place.