Your guide to domestic worker health insurance in Saudi Arabia. Learn about coverage, costs, requirements, and how to choose the right insurance plan.
If you employ domestic workers, health insurance may be mandatory in certain cases or an option that helps provide them with appropriate healthcare in others.
However, before choosing insurance, there are more important factors to consider than price alone: What does the insurance cover? When is it mandatory? What is the difference between the available plans? And how can you choose the right coverage?
Here, we have gathered the most important information about domestic worker health insurance in Saudi Arabia in a clear and straightforward guide.
What Is Domestic Worker Health Insurance?
Domestic worker health insurance is coverage that helps a domestic worker access healthcare services included in the policy, subject to its coverage limits and terms.
Depending on the policy and selected plan, coverage may include:
- Inpatient and outpatient treatment
- Doctor visits
- Emergency medical care
- Ambulance services
- Certain dental and optical services
Coverage and limits vary from one policy to another, so it is important to understand what each plan includes before making your choice.
Is Health Insurance for Domestic Workers Mandatory in Saudi Arabia?
Yes, mandatory health insurance for domestic workers has been implemented in Saudi Arabia since July 1, 2024, when the number of domestic workers registered under a single employer exceeds four.
The general requirements announced by the Council of Health Insurance include submitting a medical disclosure form, obtaining approval from the health insurance company, and insuring all eligible domestic workers.
If you have four domestic workers or fewer, this mandatory requirement does not apply under the condition mentioned above. However, you can still purchase health coverage based on the products available in the market.
Who Is Covered by Domestic Worker Health Insurance?
The insurance covers categories classified as domestic workers under applicable Saudi regulations, which may include:
- Domestic workers
- Private drivers
- Home cooks
- Nannies
- Home nurses
- Other categories classified as domestic workers
It is important to distinguish between domestic worker health insurance and health insurance for company employees, as each type has its own requirements and policies.
What Is the Difference Between Domestic Worker Health Insurance and Domestic Worker Contract Insurance?
Although the names may sound similar, these are two different types of insurance.
Domestic worker health insurance focuses on healthcare services and medical benefits included in the policy.
Domestic worker contract insurance, on the other hand, relates to risks and rights associated with the employment contract, subject to the terms of the relevant insurance product.
Therefore, before purchasing insurance, make sure you first identify which type of coverage you need.
What Does Domestic Worker Health Insurance Cover?
Coverage varies depending on the insurance provider and plan, so the insurance policy remains the primary reference for the actual benefits and limits.
Domestic worker health insurance options available through tree may include inpatient and outpatient healthcare, hospital stays, doctor and specialist visits, as well as additional benefits depending on the selected plan.
Doctor Visits and Outpatient Care
Coverage may include outpatient treatment, doctor visits, and specialist consultations within the approved medical network, subject to the plan's limits and conditions.
Hospitalization and Inpatient Treatment
Coverage may include inpatient treatment and hospital accommodation.
Under mandatory insurance coverage, benefits include hospitalization without coinsurance.
Medical Emergencies
Mandatory insurance benefits include treatment for emergency cases at clinics with an unlimited number of visits.
Ambulance Services
Ambulance coverage limits vary depending on the plan. Some plans available through tree include local ambulance services within the city, subject to the limits specified for each plan.
Dental Treatment
Some plans may cover dental treatment up to a specified financial limit, while other plans may limit dental coverage to specific situations.
If dental coverage is important to you, review the applicable limits and conditions before selecting a plan.
Optical Care and Eyeglasses
Optical coverage also varies between plans. Some current tree options do not include this benefit, while it is available under the higher-tier plan up to a specified limit.
Physiotherapy and Hearing Aids
Additional benefits, such as physiotherapy and hearing aids, may be available depending on the selected plan.
What Is Not Covered by Domestic Worker Health Insurance?
There is no single list of exclusions that applies to every domestic worker health insurance policy, as exclusions vary according to the policy and insurance provider.
Before purchasing, review:
- Exclusions
- Annual coverage limit
- Coinsurance
- Medical network
- Limits for individual benefits
- Terms for using healthcare services
- Claims and reimbursement procedures
The inclusion of a benefit in the policy does not necessarily mean that it is unlimited, so always check the applicable limits and conditions.
💚 If you need any help or have questions, the tree team is ready to assist you.
📞 8001240505
📧 wecare@tree.com.sa
How Much Does Domestic Worker Health Insurance Cost in Saudi Arabia?
Domestic worker insurance prices vary depending on the selected plan, level of coverage, benefits, policy limits, and other pricing factors.
tree currently offers several domestic worker health insurance plans with different estimated starting prices. Therefore, it is recommended to obtain a personalized quote based on your details and those of your domestic workers rather than relying on a general price.
What Factors Determine the Price of Domestic Worker Insurance?
The price may be affected by several factors, including:
- Level of coverage
- Annual coverage limit
- Included benefits
- Coinsurance
- Medical network
- Insured person's information
- Insurance provider requirements
When making a domestic worker insurance comparison, compare plans with similar levels of protection rather than looking at price alone.
Is the Cheapest Domestic Worker Health Insurance the Best?
Not necessarily.
When searching for the cheapest domestic worker health insurance, consider the complete picture:
Price + annual limit + coinsurance + medical network + hospitalization + emergency care + dental + optical benefits + exclusions.
A lower-priced plan may be sufficient for your needs in some cases, while in others you may require additional benefits or higher coverage limits.
What Is the Difference Between Domestic Worker Health Insurance Plans?
Plans vary in their level of protection and benefits. For example, tree currently offers three plans that differ in their annual limits, coinsurance, ambulance coverage, dental benefits, optical coverage, and hearing aid benefits.
tree states that its Comfort Plan is the plan that provides the mandatory coverage required for government services when an employer has more than four domestic workers.
Prices and benefits may change, so always refer to the current quote and policy before purchasing.
How Do You Choose the Best Health Insurance for Domestic Workers?
Choosing the best domestic worker health insurance should be based on your actual needs rather than the plan name or price alone.
Start by comparing the annual coverage limit and coinsurance. Then review the hospitals and clinics available within the domestic worker insurance medical network, particularly if you need healthcare providers located close to the worker's place of residence.
Next, compare coverage for hospitalization, emergencies, ambulance services, medication, dental treatment, and optical care, and carefully review the exclusions.
Finally, compare the price with the level of protection provided.
📌 You may also be interested in: Cheapest Medical Insurance for Domestic Workers in Saudi Arabia
How Can You Get Domestic Worker Insurance Online?
If you are looking for domestic worker insurance online, obtaining a quote and issuing a policy has become easier.
tree's current process begins by entering information such as:
- National ID or Iqama number
- Mobile number registered with Absher
- Email address
- Date of birth
- Number of domestic workers
You can then obtain a quote and select the appropriate coverage.
When purchasing the policy, make sure all information is entered correctly and review the coverage, benefits, and coinsurance before completing the process.
Domestic Worker Insurance from tree: What Coverage Options Are Available?
tree provides different domestic worker health insurance options, allowing employers to select a level of coverage based on their needs.
Current options include the Basic, Comfort, and Comprehensive plans, with different limits and benefits for each plan.
Depending on the selected plan, available options may include inpatient and outpatient healthcare, hospitals and clinics, dental and optical care, treatment, and support.
💚 Looking for suitable health insurance for your domestic workers?
Explore tree's domestic worker health insurance options and compare coverage and benefits to choose a plan that suits your needs.
📞 8001240505
📧 wecare@tree.com.sa
How Do You Submit a Domestic Worker Insurance Claim?
How you use your insurance depends on the medical network and policy terms.
tree explains that when treatment is received outside the approved medical network, payment is made directly to the healthcare provider. A reimbursement request can then be submitted through Tawuniya's website or app, together with the required documents. The claim is then reviewed, and any eligible reimbursement is paid according to the applicable terms.
Before receiving treatment, it is therefore advisable to check the medical network and applicable procedures so you know whether the service is provided directly or requires a reimbursement claim.
How Can You Check Domestic Worker Health Insurance?
After your domestic worker insurance policy has been issued, keep a copy and review the key information, including:
- Name of the insured person
- Domestic worker's information
- Policy start and expiry dates
- Selected plan
- Coverage limits
- Medical network
- Coinsurance
If you experience any issues with the coverage status or policy information, contact the insurance provider through its official channels to verify the details.
When Does Domestic Worker Health Insurance Expire?
The start and expiry dates of the coverage are specified in your issued policy. Therefore, refer to your domestic worker insurance policy to confirm the actual coverage period.
It is advisable not to wait until the policy expires before reviewing your domestic worker insurance renewal options, particularly if health insurance is mandatory in your case.
💚 If you need any help or have questions, the tree team is ready to assist you.
📞 8001240505
📧 wecare@tree.com.sa
Frequently Asked Questions About Domestic Worker Health Insurance
Is Health Insurance for Domestic Workers Mandatory?
Mandatory health insurance applies when the number of domestic workers registered under one employer exceeds four. The requirement took effect on July 1, 2024.
How Many Domestic Workers Require Mandatory Health Insurance?
According to the Council of Health Insurance, mandatory coverage applies when the number of domestic workers under one employer exceeds four.
How Much Does Domestic Worker Health Insurance Cost?
There is no single price that applies to every case. The cost varies depending on the plan, coverage, benefits, and other pricing factors, so it is recommended to obtain a personalized quote.
What Does Domestic Worker Insurance Cover?
Coverage may include inpatient and outpatient treatment, doctor visits, hospitalization, emergencies, and ambulance services, as well as additional benefits such as dental care, optical care, physiotherapy, and hearing aids, depending on the selected plan.
Does Domestic Worker Insurance Cover Hospitals?
Yes. tree states that its plans include hospitals rather than being limited to medical centers and clinics. Coverage details and limits vary by plan.
Does Domestic Worker Insurance Cover Dental Treatment?
It depends on the plan. Some current tree options provide dental benefits up to a specified limit, while another plan covers dental care for emergencies only.
Does Insurance Cover Emergencies and Ambulance Services?
Mandatory insurance includes emergency care, while ambulance services are covered according to the limits and conditions of the applicable policy or plan.
Can I Buy Domestic Worker Insurance Online?
Yes. tree allows you to start the process of obtaining a domestic worker insurance quote online by entering the required information and selecting an appropriate plan.
Can I Choose a Different Plan for Each Domestic Worker?
tree includes this topic in the FAQs for its domestic worker health insurance service. When purchasing, you should rely on the options currently available during the policy issuance process and the applicable product terms.
Can I Buy Insurance Before the Domestic Worker Arrives?
tree includes this question in the product's FAQs. As eligibility and issuance requirements may change, it is best to check the current purchase journey or contact tree before issuing the policy.
Can a Domestic Worker Insurance Policy Be Cancelled?
The ability to remove a worker or cancel coverage after the policy has been issued depends on the product terms and circumstances. Review your policy terms or contact the insurance provider before requesting cancellation.
Can I Get a Refund If the Domestic Worker Leaves Saudi Arabia?
Any refund depends on the policy terms and the circumstances under which coverage ended. You should not assume that a refund is automatically due when a worker leaves Saudi Arabia. Check your policy terms or contact your insurance provider to determine what applies to your situation.
How Do You Choose the Right Insurance for Your Domestic Workers?
Choosing suitable health insurance for domestic workers starts with understanding the worker's needs and then comparing plans based on their annual coverage limit, coinsurance, medical network, hospitalization, emergency care, dental, optical, and other benefits.
Don't make finding the cheapest domestic worker health insurance the only factor in your decision. The right policy should strike a balance between price and the level of coverage you need.
💚 Looking for health insurance for your domestic workers?
Compare tree domestic worker insurance options and explore the available plans and coverage to find an option that suits your needs.
📞 8001240505
📧 wecare@tree.com.sa
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