Compare the top domestic worker insurance providers in Saudi Arabia — see cover, features and typical rates side by side.
20 live offers compared from 12 providers, from 650 /سنة. Updated daily.
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Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Domestic worker insurance protects households that employ domestic workers, such as housemaids and drivers, against defined financial risks. In the Kingdom it is linked to the recruitment process and provides cover for situations like the workers inability to work, non-compliance by the recruitment party, or the need to replace a worker in specified circumstances. It gives employers financial protection around the recruitment fees and obligations involved.
Domestic worker insurance is regulated by the Insurance Authority (IA), which consolidated insurance supervision from the Saudi Central Bank in 2023 and 2024, and is connected to the Musaned platform that governs domestic labour recruitment. Cover is arranged as a standardised cooperative (takaful) product, typically tied to the recruitment contract, with benefits and covered events defined under IA-approved terms so households know what is protected. This cover reflects the Kingdoms large domestic-employment sector and the governments push to formalise and protect recruitment through Musaned, giving both employers and workers clearer rights. Because the risks it addresses are specific to the recruitment relationship, the product is narrower and more standardised than open-ended personal or health insurance.
Recruitment protection — Covers defined risks around the recruitment fees and process.
Replacement cover — Helps in specified cases where a worker must be replaced.
Compliance — Aligns with the Musaned recruitment framework.
Sharia-compliant — Delivered through the cooperative takaful model.
Read the covered events carefully, as this product is defined by specific scenarios such as death, inability to work, or non-compliance rather than open-ended cover. Check the benefit amounts, the policy period (often aligned to the recruitment contract), and the conditions for a claim. Confirm the policy meets the requirement tied to your recruitment process, and compare the contribution against the defined benefits across providers.
Tawuniya and Al Rajhi Takaful are prominent providers, alongside Al Rajhi Bank channels, AlJazira Takaful, Allianz Saudi Fransi, Walaa, Gulf Insurance Group (GIG) and ACIG, all offering domestic worker cover under IA supervision and linked to the recruitment framework. Giraffy tracks live domestic worker insurance offers across these providers so you can compare benefits and contributions.
Contributions on Giraffy range from about SAR 650 to SAR 1,000, depending on the covered events, the benefit amounts and the policy period. Because the product is standardised and tied to recruitment, pricing is relatively narrow. Compare what each policy actually covers, including replacement and non-compliance scenarios, rather than choosing on contribution alone, so the protection matches your recruitment obligations.
The Insurance Authority licenses insurers and approves the standardised terms for domestic worker cover, overseeing claims and consumer protection, while the Musaned platform governs the recruitment process the policy supports. Because covered events and benefits are defined and disclosed, households can see exactly what is protected. Buying through the required channel ensures the policy meets the recruitment condition and that any claim is handled under IA-supervised, standardised terms rather than an informal arrangement.
Is this insurance required? It is tied to the domestic worker recruitment process under the Musaned framework; confirm the requirement for your case.
What does it cover? Defined events such as the workers inability to work, non-compliance, or replacement in specified circumstances.
Does it also cover the workers own healthcare? This product focuses on recruitment-related risks; separate medical cover requirements apply to the worker, so check what health insurance you must additionally provide as an employer under the Kingdoms rules.
Is it Sharia-compliant? Yes. It uses the cooperative takaful model regulated by the Insurance Authority.
The cheapest Domestic Worker Insurance in Saudi Arabia is 650 /year from ALETIHAD Cooperative Insurance Company.
The lowest tracked price on Giraffy is 650 /year across 5 live offers. Compare all plans sorted by price.
Giraffy tracks ALETIHAD Cooperative Insurance Company,Salama Cooperative Insurance Company,Arabia Insurance,Walaa Cooperative Insurance Co.,Gulf Insurance Group (GIG) domestic worker insurance companies in Saudi Arabia.
Offer data is refreshed daily from the Giraffy database. Each compare page shows when data was last checked.
No. Giraffy does not sell ranking placement. Results reflect your filters and sort order — default is lowest price.