A Guide to Domestic Worker Insurance in Saudi Arabia: Conditions, Prices
, and How to Activate It via Musaned
Labor regulations in the Kingdom of Saudi Arabia have recently undergone significant changes aimed at protecting the rights of both employers and employees. One of the most prominent of these steps is the requirement to insure domestic worker contracts, which has become a fundamental requirement when hiring new workers. Many employers are asking: Is this insurance mandatory? And what risks does it actually cover? In this article, we will provide you with a comprehensive guide to everything related to domestic worker insurance, from prices to activation through the Musaned platform, to help you make the best decision and protect your family's rights.
Domestic worker insurance in Saudi Arabia is mandatory for renewing residency permits or when hiring new workers (especially if the number of workers exceeds four), to protect both the employer and the worker. The insurance covers the costs of bringing in a replacement in
case of absconding or death, civil liability, and medical expenses. It is activated through the Musaned platform or-approved insurance companies such as Tawuniya
Guide to Domestic Worker Insurance in Saudi Arabia:
Mandatory Insurance: Mandatory when hiring new workers or renewing their residenc permits, and it is a prerequisite for completing the transaction on Musaned.
Covered Cases:
Employer Compensation: Includes cases of absconding, death, disability, or the worker contracting chronic illnesses that prevent them from working.
Health Coverage: Includes hospitalization and outpatient clinics within certain limits.
Types of Insurance Policies:
* Basic: Covers accidents during work only (lowest cost). *
Comprehensive: Covers accidents (Inside/Outside of Work), Illness, and Death.
Insurance Cost: Varies based on coverage, ranging from approximately SAR 400 to SAR 1200.