UAE Health Insurance for Domestic Workers: Mandatory Rules

Quick answer

Sponsors in the UAE must provide health insurance for domestic workers under 2026 rules. The policy must cover at least AED 150,000 in-patient treatment, AED 50,000 out-patient treatment, and include maternity benefits of AED 10,000. Registration takes place through the Ministry of Human Resources and Emiratisation (MOHRE) portal or the Federal Authority for Identity, Citizenship, Customs & Security (ICP) system. Minimum premium costs AED 1,200–1,800 per worker annually, depending on age and nationality. Failure to provide valid coverage triggers fines of AED 5,000 per worker.

Who must provide insurance

Every sponsor who employs a domestic worker must carry health insurance. This rule applies to UAE nationals and expats alike. Domestic workers include housemaids, drivers, gardeners, cooks, babysitters, and nannies. The requirement covers both new hires and existing workers whose previous policy has expired. The obligation sits with the sponsor; the worker cannot self-insure.

Workers covered under 2026 rules

• Housemaids and cleaners
• Personal drivers and chauffeurs
• Gardeners and farm workers
• Cooks and kitchen assistants

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