Domestic Helper Medical Insurance

Domestic helper medical insurance provides eligible household workers with access to covered healthcare services through an approved medical network. The sponsor or employer is generally responsible for arranging and maintaining the required medical insurance.

In Dubai, residents must have health insurance that meets the applicable minimum-benefit requirements. The exact benefits, provider network, co-payments, limits and exclusions depend on the selected plan and its schedule of benefits.

Who May Need Domestic Helper Medical Insurance?

Coverage may be required for sponsored household workers such as:

1. Housemaids and housekeepers
2. Nannies and babysitters
3. Household cooks
4. Family drivers
5. Gardeners and household caretakers
6. Other eligible domestic workers under the sponsor’s record

Eligibility should be confirmed using the domestic worker’s visa, occupation, residency details and applicable health-insurance requirements.

What May the Insurance Cover?

Depending on the selected plan, benefits may include:

1. Outpatient Consultations: Eligible consultations with general practitioners or specialists within the approved provider network.
2. Diagnostic Services: Medically necessary laboratory tests, imaging and other investigations, subject to the plan conditions.
3. Prescribed Medicines: Approved medicines may be covered according to the applicable formulary, limits and co-payment.
4. Inpatient Treatment: Eligible hospital admissions, surgeries and related medical care, subject to medical necessity and approval requirements.
5. Emergency Treatment: Emergency medical services may be covered according to the policy conditions and geographical limits.
6. Maternity Benefits: Eligible maternity services may be available, subject to waiting periods, limits, medical necessity and policy terms.

Sponsor Responsibilities:

The sponsor or employer should:

1. Arrange Valid Coverage: Purchase an eligible medical insurance plan for the domestic worker.
2. Provide Accurate Information: Submit the correct occupation, visa, identification and medical details.
3. Maintain the Policy: Renew the insurance before expiry to avoid a break in coverage.
4. Review the Medical Network: Make sure suitable healthcare providers are accessible to the insured worker.
5. Understand the Policy: Review co-payments, limits, exclusions, waiting periods and pre-authorisation requirements.

How to Request Domestic Helper Medical Insurance:

Follow these steps:

1. Provide the Sponsor Details: Enter the sponsor’s identification, residency and contact information.
2. Provide the Worker’s Details: Submit the domestic helper’s passport, visa, Emirates ID and occupation information.
3. Review the Available Plan: Check the benefits, medical network, co-payments, limits and exclusions.
4. Submit the Required Documents: Upload or provide the identification, residency and supporting records.
5. Review the Quotation: Confirm the premium and policy details before completing the application.

Documents Required:

You may need the following documents:

1. Domestic helper’s Emirates ID
2. Domestic helper’s passport copy
3. Residence visa or visa application details
4. Sponsor’s Emirates ID and contact information
5. Domestic worker employment or sponsorship details
6. Previous medical insurance details, if available
7. Medical declaration or reports, if requested

Why Choose Al Buhaira Insurance?

Sponsors and insured members can access:

1. Domestic Helper Medical Insurance: Medical coverage may be requested for eligible sponsored domestic workers.
2. Online Quotation: Sponsors can submit the required information through the online medical-insurance quotation journey.
3. Medical Network Search: Healthcare providers can be searched by network, emirate, provider type and speciality.
4. Medical Insurance Support: Assistance is available for quotations, policy issuance, renewals, endorsements and medical-network enquiries.

Frequently Asked Questions: