Check that the policy covers medical expenses, repatriation and wage liability during illness — the cheapest policies often exclude claims arising from pre-existing conditions of the worker.
Compare the top 9 Saudi domestic worker insurance providers, with premiums from 750 /year. Data current as of 23 October 2026 and updated daily from the Giraffy database.
Live offers
17 live offers compared from 9 providers, from SAR 750 /year. Updated daily.
SAR 750 /year
Walaa Domestic Worker Insurance KSA is a Domestic Worker Insurance offer from Walaa Cooperative Insurance Co. in Saudi Arabia. Listed at SAR 750 /year. Key details — Policy Cost: SAR 750/year; Annual Coverage: SAR 120,000; Network Tier: Standard; Outpatient: Covered.
- Policy Cost: SAR 750/year
- Annual Coverage: SAR 120,000
- Network Tier: Standard
- Outpatient: Covered
- Inpatient: Covered
- Pre-existing Conditions: SAR 12,000
- Emergency: Covered
- Kidney Dialysis: Covered
SAR 800 /year
GIG Domestic Worker Insurance KSA is a Domestic Worker Insurance offer from Gulf Insurance Group (GIG) in Saudi Arabia. Listed at SAR 800 /year. Key details — Policy Cost: SAR 800/year; Annual Coverage: SAR 150,000; Network Tier: Premium; Outpatient: Covered.
- Policy Cost: SAR 800/year
- Annual Coverage: SAR 150,000
- Network Tier: Premium
- Outpatient: Covered
- Inpatient: Covered
- Pre-existing Conditions: SAR 15,000
- Emergency: Covered
- Kidney Dialysis: Covered
SAR 800 /year
Tawuniya DW Insurance Standard KSA is a Domestic Worker Insurance offer from Tawuniya Cooperative Insurance in Saudi Arabia. Listed at SAR 800 /year. Key details — Policy Cost: SAR 800/year; Annual Coverage: SAR 150,000; Network Tier: Premium; Outpatient: Covered.
- Policy Cost: SAR 800/year
- Annual Coverage: SAR 150,000
- Network Tier: Premium
- Outpatient: Covered
- Inpatient: Covered
- Pre-existing Conditions: SAR 15,000
- Emergency: Covered
- Kidney Dialysis: Covered
SAR 1000 /year
Allianz Domestic Worker KSA is a Domestic Worker Insurance offer from Allianz Saudi Fransi in Saudi Arabia. Listed at SAR 1000 /year. Key details — Policy Cost: SAR 1,000/year; Annual Coverage: SAR 250,000; Network Tier: Premium+; Outpatient: Covered.
- Policy Cost: SAR 1,000/year
- Annual Coverage: SAR 250,000
- Network Tier: Premium+
- Outpatient: Covered
- Inpatient: Covered
- Pre-existing Conditions: SAR 25,000
- Emergency: Covered
- Kidney Dialysis: Covered
Domestic Helper Health Insurance - Gold Al Rajhi Takaful
Price on request
- Policy Cost: Price Upon Application
- Annual Coverage: Up to 100,000 SAR
- Network Tier: Premium DH-3
- Outpatient: Covered
- Inpatient: Covered
- Pre-existing Conditions: Covered subject to the Medical Declaration Form
- Emergency: Covered
- Kidney Dialysis: Not Covered
Price on request
Domestic Worker Insurance - Emergency - Basic: Policy Cost 332 SAR; Annual Coverage 100,000 SAR; Network Tier Standard; Outpatient Covered (approval required).
- Policy Cost: Starting from 332 SAR
- Annual Coverage: Up to 100,000 SAR
- Network Tier: Standard Network 7
- Outpatient: Covered (approval required)
- Inpatient: Shared Room max. 600 SAR/day (approval required)
- Inpatient: Intensive Care Unit max. 3,500 SAR/day
- Pre-existing Conditions: Covered up to 20,000 SAR
- Emergency: Covered
Domestic Helper Insurance - Basic M Al Rajhi Bank
Price on request
- Policy Cost: Starting from 365 SAR
- Annual Coverage: Up to 50,000 SAR
- Network Tier: Basic ART M
- Outpatient: Covered
- Inpatient: Covered Shared Room
- Pre-existing Conditions: Covered
- Emergency: Covered
- Kidney Dialysis: Not Covered
Price on request
- Policy Cost: Starting from 332 SAR
- Annual Coverage: Up to 100,000 SAR
- Network Tier: Premium Network Gold
- Outpatient: Covered
- Inpatient: Shared Room max. 600 SAR/day (approval required)
- Inpatient: Intensive Care Unit max. 3,500 SAR/day
- Pre-existing Conditions: Covered
- Emergency: Covered
Price on request
- Policy Cost: Starting from 554 SAR
- Annual Coverage: Up to 100,000 SAR
- Network Tier: Standard Network 7
- Outpatient: Covered (approval required)
- Inpatient: Shared Room max. 600 SAR/day (approval required)
- Inpatient: Intensive Care Unit max. 3,500 SAR/day
- Pre-existing Conditions: Covered up to 20,000 SAR
- Emergency: Covered
Domestic Helper Insurance - Basic S Al Rajhi Bank
Price on request
- Policy Cost: Starting from 623 SAR
- Annual Coverage: Up to 60,000 SAR
- Network Tier: Standard ART S
- Outpatient: Covered
- Inpatient: Covered Shared Room
- Pre-existing Conditions: Covered
- Emergency: Covered
- Kidney Dialysis: Not Covered
Price on request
- Policy Cost: Price Upon Application
- Annual Coverage: Up to 100,000 SAR
- Network Tier: Basic
- Outpatient: Covered
- Inpatient: Covered
- Pre-existing Conditions: Not Covered
- Emergency: Covered
- Kidney Dialysis: Not Covered
Price on request
Domestic Worker Insurance - Extended - Silver: Policy Cost 554 SAR; Annual Coverage 100,000 SAR; Network Tier Premium; Outpatient Covered.
- Policy Cost: Starting from 554 SAR
- Annual Coverage: Up to 100,000 SAR
- Network Tier: Premium Network Gold
- Outpatient: Covered
- Inpatient: Shared Room max. 600 SAR/day (approval required)
- Inpatient: Intensive Care Unit max. 3,500 SAR/day
- Pre-existing Conditions: Covered
- Emergency: Covered
Price on request
Domestic Helper Insurance: Policy Cost Price Upon Application; Annual Coverage 500,000 SAR; Network Tier Premium; Outpatient Covered.
- Policy Cost: Price Upon Application
- Annual Coverage: Up to 500,000 SAR
- Network Tier: Premium Anywhere
- Outpatient: Covered
- Inpatient: Shared Room max. 600 SAR/day
- Pre-existing Conditions: Covered
- Emergency: Covered
- Kidney Dialysis: Covered (up to 10,000 SAR)
Domestic Helper Health Insurance - Basic Al Rajhi Takaful
Price on request
Domestic Helper Health Insurance - Basic: Policy Cost Price Upon Application; Annual Coverage 100,000 SAR; Network Tier Basic; Outpatient Covered.
- Policy Cost: Price Upon Application
- Annual Coverage: Up to 100,000 SAR
- Network Tier: Basic DH-M
- Outpatient: Covered
- Inpatient: Covered
- Pre-existing Conditions: Covered subject to the Medical Declaration Form
- Emergency: Covered
- Kidney Dialysis: Not Covered
Domestic Helper Insurance ACIG
Price on request
Domestic Helper Insurance: Policy Cost Price Upon Application; Annual Coverage 100,000 SAR; Network Tier Basic; Outpatient Covered.
- Policy Cost: Price Upon Application
- Annual Coverage: Up to 100,000 SAR
- Network Tier: Basic
- Outpatient: Covered
- Inpatient: Covered
- Pre-existing Conditions: Not Covered
- Emergency: Covered
- Kidney Dialysis: Not Covered
Domestic Helper Health Insurance - Silver Al Rajhi Takaful
Price on request
Domestic Helper Health Insurance - Silver: Policy Cost Price Upon Application; Annual Coverage 100,000 SAR; Network Tier Standard; Outpatient Covered.
- Policy Cost: Price Upon Application
- Annual Coverage: Up to 100,000 SAR
- Network Tier: Standard DH-S
- Outpatient: Covered
- Inpatient: Covered
- Pre-existing Conditions: Covered subject to the Medical Declaration Form
- Emergency: Covered
- Kidney Dialysis: Not Covered
Medical Domestic Helper - Bronze AlJazira Takaful
Price on request
Medical Domestic Helper - Bronze from AlJazira Takaful. Policy Cost: Price Upon Application; Annual Coverage: Up to100,000 SAR; Network Tier: BasicC03; Outpatient: Covered(up to 4 visits).
- Policy Cost: Price Upon Application
- Annual Coverage: Up to 100,000 SAR
- Network Tier: Basic C03
- Outpatient: Covered (up to 4 visits)
- Inpatient: Shared Room max. 600 SAR/day
- Pre-existing Conditions: Not Covered
- Emergency: Covered
- Kidney Dialysis: Covered (up to 100,000 SAR)
What is domestic worker insurance in Saudi Arabia?
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.
How the Saudi market works
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.
Benefits
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.
How to choose
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.
Leading domestic worker insurance providers in Saudi Arabia
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.
What it costs
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.
Protections and regulation
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.
Common questions
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 SAR 750 /year from Walaa Cooperative Insurance Co..
