Hiring a maid or domestic helper in the UAE comes with responsibility — not just for their work, but for their health and well-being.
That’s why the UAE government has made domestic worker insurance mandatory for all employers.
In 2025, families in Ajman, Dubai, and Sharjah must ensure that their domestic staff are medically fit, properly insured, and legally protected under MOHRE regulations.
This guide by INAYA Domestic Workers Ajman explains everything you need to know about insurance, health checks, and your legal duties as an employer.
💡 Why Domestic Worker Insurance Matters
Your maid is a vital part of your household. Providing domestic worker insurance shows care and ensures compliance with UAE labour laws.
Insurance protects both the employer and the worker against unexpected costs related to:
- Medical emergencies or hospitalization
- Work-related injuries or accidents
- Repatriation in case of severe illness or death
- End-of-service benefits and unpaid wages
Without valid insurance, employers may face fines and liability under MOHRE’s Domestic Worker Law (Federal Law No. 10 of 2017).
🏥 Mandatory Health Requirements Before Employment
Before a domestic worker starts working in your home, she must undergo specific medical and biometric screenings.
| Test Type | Description | Required By |
|---|---|---|
| Medical Fitness Test | Screening for infectious diseases (HIV, TB, Hepatitis, etc.) | MOHRE & SEHA |
| Pregnancy Test | Mandatory for female workers before visa approval | UAE Health Authority |
| Biometric Scanning | Fingerprint & facial ID for Emirates ID | ICP (Federal Authority) |
Agencies like INAYA Domestic Workers Ajman handle all medical documentation before the maid joins your household.
🧾 What Domestic Worker Insurance Covers in UAE 2025
| Coverage Type | Details |
|---|---|
| Basic Health Insurance | Doctor consultations, emergency care, medications |
| Accident & Injury Protection | Covers treatment for workplace injuries |
| Life & Disability Cover | Compensation in case of death or permanent disability |
| Repatriation Costs | Return ticket and support in case of severe illness or death |
| End-of-Service Benefits | Financial compensation after contract completion |
The policy amount usually ranges between AED 500 – 900 per year, depending on the provider and coverage plan.
📉 Common Employer Mistakes to Avoid
- Hiring without insurance documentation.
- Not renewing insurance annually.
- Assuming agency packages automatically include insurance (always confirm).
- Ignoring pre-employment medical clearance.
- Not providing coverage during travel or external duties.
Employers who skip domestic worker insurance risk legal penalties, visa delays, and financial loss in case of emergencies.
💼 How INAYA Domestic Workers Handles Insurance
INAYA Domestic Workers Ajman ensures every maid placed under their agency comes with:
- Active domestic worker insurance valid for one year.
- Certified medical report from SEHA or a government-approved clinic.
- Pre-approved Emirates ID & visa status under the employer or agency.
- Renewal reminders before expiration.
This means when you hire through INAYA, all legal and medical obligations are already covered — no hidden paperwork or surprise costs.
📊 Comparative Overview – Insurance by Tadbeer vs INAYA
| Criteria | Tadbeer Centres | INAYA Domestic Workers |
|---|---|---|
| Policy Type | Standard MOHRE insurance | Comprehensive employer-customized policy |
| Annual Cost | 800–1,000 AED | 500–900 AED |
| Claim Handling | Through Tadbeer office | Directly through agency & insurer |
| Renewal Support | Manual | Automated reminders |
| Medical Partner | MOHRE-affiliated hospitals | SEHA & private clinics |
🟩 Result: INAYA offers equal protection at lower cost, making domestic worker insurance more affordable and accessible for UAE families.
🧠 Frequently Asked Questions
Q1. Is domestic worker insurance mandatory in UAE?
Yes. MOHRE requires every household to provide valid insurance for domestic employees.
Q2. Who pays for the insurance?
The employer is responsible for paying the insurance premium.
Q3. Can I buy the policy myself?
Yes. You can purchase through authorized insurers, but hiring via INAYA Domestic Workers simplifies the process.
Q4. What if I hire a part-time maid?
Part-time maids hired through licensed agencies are insured under the agency’s corporate policy.
Q5. How can I check if my maid’s insurance is active?
Ask the agency for the insurance certificate number, or verify it with the insurer directly.
💬 Real-Life Example
“We hired a Filipina nanny through INAYA in Ajman. Two months later, she had a medical emergency.
Thanks to the insurance INAYA provided, all hospital costs were covered — we didn’t pay a dirham extra.”— Amira S., Ajman resident
This is just one of many families who realized how essential domestic worker insurance is when unexpected situations arise.
⚙️ Steps to Renew or Update Insurance
- Check policy expiry date on your maid’s insurance card.
- Renew at least 30 days before expiry.
- Update passport and Emirates ID details if changed.
- Keep a digital and printed copy for MOHRE inspection.
INAYA notifies employers before renewal deadlines and handles the full renewal paperwork — ensuring your maid’s coverage never lapses.
📈 The Future of Domestic Worker Insurance in UAE
With increasing automation in visa and labour systems, domestic worker insurance is now integrated into UAE’s unified digital platforms.
In the near future, policy renewals, claims, and health reports will all be accessible through your Emirates ID.
INAYA Domestic Workers is already adapting to this change by connecting directly with government e-insurance networks for real-time verification.
🏁 Final Thoughts – Protect What Matters
Providing domestic worker insurance isn’t just a legal duty — it’s a sign of respect and humanity.
A healthy, protected worker means a peaceful, stable home environment.
When you hire through INAYA Domestic Workers Ajman, you get complete transparency — from recruitment and medical testing to insurance and visa support — all under one roof.
Visit INAYA Domestic Workers Ajman today to explore verified profiles and insured domestic staff ready to join your family.
