Domestic Workers Contract Insurance in Saudi Arabia
Domestic worker contract insurance is a financial protection linked to the recruitment contract through the "Musaned" platform, and it is different from health insurance and the recruitment agency's guarantee.
Is it mandatory?
• Mandatory during the first two years of new domestic workers coming for the first time to the employer within the recruitment contracts concluded since February 1, 2024.
• After the expiry of the two years, the renewal of the insurance becomes optional for the employer.
• According to Musaned's FAQ, it is not mandatory for workers currently in the Kingdom or when transferring services.
• The policy period is two years, and it will be activated automatically upon the arrival of the worker and the start of work, according to the terms of the policy. Ministry of Human Resources
What does it cover for an employer?
Depending on the case and the terms and conditions of the policy:
Status Potential benefit
Absenteeism or Escape Compensation for recruitment expenses according to the policy schedule
Refusal or refusal of the worker to work Compensation according to the required controls and documents
Death of the worker Compensation for Recruiting a Substitute
Inability to work Compensation for the expenses of recruiting a replacement worker
A chronic or critical illness that prevents work Compensation according to the medical report and the terms of the policy
Death of a worker inside the Kingdom Costs for returning the body and personal belongings within the specified limit
What does it cover for a domestic worker?
• Compensation for permanent total or partial permanent disability resulting from an accident.
• Covering unpaid salaries and entitlements when the reason is the death of the employer or his permanent total or partial disability, in accordance with the terms of the policy.
These benefits are generally stipulated in the Ministry's announcement, but the amount of compensation, limits, and exclusions is determined by the policy issued by the insurance company. Insurance Decision and its Benefits
Difference Between 90 Day Guarantee and Insurance
Period Principal Officer
Before the arrival of the worker Recruitment Office or Company According to Musaned Contract
First 90 days after arrival The operational claim and compensation is usually on the recruitment agency or company according to the terms of the contract
After 90 days until the end of the two years Insurance Company for Cases Covered by the Policy
After the end of the two years There is no coverage unless the employer voluntarily renews the insurance
The existence of an insurance policy does not eliminate the liability of the recruitment agency during the guarantee period, nor does it mean that every refusal to work or terminate the contract results in automatic compensation.
Cost of insurance
There is no fixed price; pricing changes based on:
• Worker's profession.
• Nationality and age.
• Monthly Salary.
• Cost of the recruitment contract.
• The insurance company chosen and the scope of benefits.
The actual premium appears within the contracting journey and the Munaed contract invoice before the payment is completed.
Steps to Claim
1. Documenting the incident as soon as it occurs.
2. Recording the appropriate legal procedure in Musaned, such as interruption of work or termination of contract.
3. Prepare the contract number and document, proof of arrival, medical reports, death certificate or absence report, as the case may be.
4. Submitting the claim to the insurance company issuing the policy.
5. Follow up on the compensation request and not be satisfied with the report at the recruitment office.
6. If the claim is rejected, the reasons for the refusal shall be requested in writing and shall be first objected to by the Company.
7. In case of non-processing, you can file an online complaint with the Insurance Authority or call 8001240551.
Domestic Workers Contract Insurance in Saudi Arabia
