Explore domestic worker insurance prices in Saudi Arabia, key cost factors, coverage and plans, and learn how to choose the right insurance.
Domestic worker insurance prices in Saudi Arabia vary depending on several factors, including the worker’s age, gender, selected plan, and level of coverage. Therefore, there is no single price that applies to everyone.
In this guide, we explain the cost of domestic worker insurance, the factors that affect pricing, key coverage benefits, when insurance becomes mandatory, and how to choose the right plan.
What Is Domestic Worker Health Insurance?
Domestic worker health insurance is medical insurance designed for domestic workers who are officially registered under an employer’s sponsorship in Saudi Arabia. It provides healthcare services according to the policy’s coverage limits, benefits, and terms.
It is important to distinguish between domestic worker health insurance and domestic worker contract insurance. This article focuses on health insurance that covers medical care and healthcare services, rather than insurance associated with the worker’s recruitment or employment contract.
How Much Does Domestic Worker Insurance Cost in Saudi Arabia?
Domestic worker insurance plans from tree currently start at an estimated SAR 272, although the actual price may vary from one worker to another.
tree states that the cost of the policy depends mainly on the worker’s age and gender, while prices and coverage also vary depending on the selected plan.
tree currently offers three main plans:
The Comprehensive plan provides additional benefits, while the Comfort plan meets the mandatory coverage requirements according to the information provided by tree.
Therefore, when looking at domestic worker health insurance costs, it is better to get a personalized quote based on the worker’s information rather than relying only on the starting price.
What Factors Determine Domestic Worker Insurance Prices?
There is no single price that applies to all domestic workers because the cost of insurance varies depending on the worker’s information and the selected plan.
The main factors that determine the price include:
Age of the Domestic Worker
Age is one of the main factors affecting the policy price. As a result, the cost may vary from one worker to another even when the same plan is selected.
Gender of the Domestic Worker
The worker’s gender is also one of the factors used to determine the insurance price, so the final cost varies according to each worker’s information.
Plan and Level of Coverage
tree offers three plans with different starting prices, annual coverage limits, and available benefits.
When comparing domestic worker insurance plans, it is important to consider the level of coverage and benefits you receive for the price.
Coverage Limits and Benefits
Certain benefits, such as dental care, optical care, physiotherapy, and coinsurance, vary depending on the selected plan.
Therefore, review the schedule of benefits and coverage limits before choosing the right plan.
Is Domestic Worker Health Insurance Mandatory in Saudi Arabia?
Domestic worker health insurance is mandatory in certain cases.
Mandatory health insurance for domestic workers in Saudi Arabia came into effect on July 1, 2024, for domestic workers registered under an employer when their number exceeds four.
Mandatory coverage requires submitting a medical disclosure form, obtaining approval from the insurance company, and insuring all domestic workers registered under the employer if there are more than four.
What If I Have Four Domestic Workers or Fewer?
If you have four domestic workers or fewer, the mandatory insurance requirement based on the number of workers does not apply.
However, you can still obtain health insurance for them voluntarily.
What Does Domestic Worker Insurance Cover?
Coverage varies depending on the selected plan and policy limits. It may include:
- Doctor visits and medical consultations
- Prescription medications
- Hospitalization
- Emergency medical care
- Ambulance services
- Dental treatment
- Optical services
- Physiotherapy
- Hearing aids and devices
tree states that these benefits are subject to the limits of the selected plan.
For mandatory coverage, the Council of Health Insurance states that the policy includes primary healthcare, public health services, emergency care, and hospitalization without coinsurance, in addition to vaccinations and medical examinations, subject to the policy’s terms.
What Is the Difference Between tree Domestic Worker Insurance Plans?
When comparing domestic worker insurance prices, it is important to compare the level of protection available under each plan.
tree’s Basic plan starts at an estimated SAR 272, with an annual coverage limit of up to SAR 50,000.
The Comfort plan starts at SAR 340, with an annual coverage limit of up to SAR 100,000.
The Comprehensive plan starts at SAR 510, with an annual coverage limit of up to SAR 100,000 and additional benefits.
Therefore, the cheapest plan may not always be the most suitable option. Your choice should depend on the worker’s needs and the level of coverage you require.
Explore tree’s domestic worker insurance plans
Is the Cheapest Domestic Worker Insurance the Best?
When looking for the cheapest domestic worker insurance, you should not make your decision based on price alone.
Also compare:
- Maximum annual coverage limit
- Medical network
- Coinsurance
- Hospitalization
- Emergency and ambulance services
- Dental and optical benefits
- Additional coverage
- Policy exclusions and terms
This allows you to compare the cost of domestic worker insurance with the actual level of protection you receive.
💚 If you need any help or have questions, the tree team is ready to assist you.
📞 8001240505
📧 wecare@tree.com.sa
How Do You Choose the Right Domestic Worker Insurance?
Start by identifying the worker’s healthcare needs, then compare domestic worker insurance plans based on the annual limit, coinsurance, medical network, and included services.
Also review additional benefits such as dental care, optical services, and physiotherapy, and make sure you read the exclusions and policy terms before issuing the domestic worker insurance policy.
If you have more than four domestic workers, it is important to make sure you select coverage that meets the applicable mandatory requirements.
What Is the Difference Between Domestic Worker Insurance and Regular Health Insurance?
Domestic worker medical insurance is specifically designed for domestic workers registered under an employer and has eligibility requirements, benefits, and limits tailored to this category.
Other health insurance products may be designed for individuals, families, or company employees, so their terms, plans, and benefits may differ.
For this reason, when looking for health insurance for a domestic worker, you should select a product specifically designed for domestic workers rather than a general health insurance product.
Can You Buy Domestic Worker Insurance Before the Worker Arrives?
The policy cannot be purchased and activated before the domestic worker arrives in Saudi Arabia and receives an official Iqama.
The policy can be purchased after the Iqama has been issued.
Therefore, if you are planning to obtain domestic worker health insurance for a new worker, wait until the necessary official requirements have been completed before starting the policy issuance process.
Can You Choose a Different Plan for Each Domestic Worker?
If you are insuring several domestic workers at the same time through tree, they must be included together under a single policy, according to the product’s current FAQ information.
It is recommended to review the available plan options when requesting a quote to understand the terms that apply to the workers you want to insure.
How Can You Get a Domestic Worker Insurance Quote?
If you want to know the domestic worker insurance prices that actually apply to your workers, you can get an online quote from tree.
The quote process starts by entering information such as:
- National ID or Iqama number
- Mobile number
- Email address
- Date of birth
- Number of domestic workers
You can then complete the required information, review the available options, and compare price and coverage before purchasing the policy.
Domestic Worker Insurance from tree
tree provides health insurance for domestic workers through several coverage options, with estimated prices currently starting from SAR 272.
The final price varies depending on the worker’s information and the selected plan.
The available plans also provide different levels of coverage, allowing employers to compare the worker’s healthcare needs with the price and available benefits.
💚 Looking for suitable health insurance for your domestic workers?
Get a domestic worker health insurance quote from tree and compare the available coverage options.
📞 8001240505
📧 wecare@tree.com.sa
How Do You Use Domestic Worker Insurance When Medical Treatment Is Needed?
When healthcare is needed, first check the medical network and the benefits included in the selected plan.
tree states that if the domestic worker receives treatment outside the approved medical network, payment is made directly to the healthcare provider. A reimbursement request can then be submitted according to the required procedures and documentation.
Therefore, it is better to check the available hospitals and clinics and the applicable coinsurance before receiving medical treatment.
Can You Get an Insurance Refund If the Worker Leaves Saudi Arabia?
An insured domestic worker can be removed from a tree policy in certain circumstances, including the end of the employment relationship due to the worker’s final exit from Saudi Arabia.
Other circumstances may include sponsorship transfer or the death of the worker.
Cancellation and refunds are subject to the terms and conditions of the policy.
Therefore, if the worker leaves Saudi Arabia before the end of the policy term, it is recommended to contact tree to confirm the applicable procedure and whether any refund is due based on the policy status.
Frequently Asked Questions About Domestic Worker Insurance Prices
How Much Does Domestic Worker Insurance Cost in Saudi Arabia?
tree’s estimated prices currently start from SAR 272 for the Basic plan.
The actual price mainly depends on the worker’s age, gender, and selected plan.
What Is the Cheapest Domestic Worker Insurance?
The lowest-priced plan currently advertised by tree starts at an estimated SAR 272.
However, when comparing prices, you should also consider the annual limit, coverage, coinsurance, and medical network rather than looking at price alone.
Why Do Domestic Worker Insurance Prices Vary?
Prices vary according to the worker’s information, particularly age and gender. Coverage and starting prices also differ between tree’s available plans.
Does the Worker’s Age Affect the Insurance Price?
Yes. tree states that the worker’s age is one of the main factors used to determine the policy price.
Is Domestic Worker Health Insurance Mandatory?
Health insurance becomes mandatory under the rule announced by the Council of Health Insurance when the number of domestic workers registered under one employer exceeds four.
What Does Domestic Worker Health Insurance Cover?
Depending on the plan, coverage may include medical consultations, medications, hospitalization, emergency care, ambulance services, and benefits such as dental care, optical services, and physiotherapy, subject to the coverage limits and terms.
Can You Buy Domestic Worker Insurance Online?
Yes. tree allows you to obtain a domestic worker health insurance quote and start the purchase process online.
How Long Does a Domestic Worker Insurance Policy Last?
tree’s domestic worker insurance policy lasts 12 months from the policy activation date.
How Do You Choose the Right Domestic Worker Insurance?
When comparing domestic worker insurance prices in Saudi Arabia, start by determining whether mandatory coverage applies to you.
Then enter the worker’s information to obtain the actual price and compare the available plans based on the annual coverage limit, medical network, coinsurance, and included services.
Do not make finding the cheapest domestic worker insurance the only factor in your decision. The most important consideration is finding the right balance between the cost of domestic worker insurance and the level of coverage that suits the worker’s needs.
💚 Want to know how much health insurance for your domestic workers costs?
Explore domestic worker health insurance options from tree and get a personalized quote.
📞 8001240505
📧 wecare@tree.com.sa
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