Domestic Worker Insurance 2026: The New Federal Rules

Supporting Those Who Support You

In 2026, the UAE has fully implemented a unified health insurance scheme for all domestic workers (nannies, maids, drivers, and cooks) across all seven emirates. If you are a sponsor, providing an individual health insurance plan for your domestic staff is no longer optional—it is a prerequisite for visa issuance and renewal. At CoverB, we make it easy to protect the “unsung heroes” of your household.

The 2026 Basic Package (MOHRE & DHA)

The federal basic package is incredibly affordable but carries high legal weight.

• Annual Premium: Starting at just AED 320 per year.
• Validity: Policies are typically issued for two years to match the visa.
• Co-payments: The worker pays 20% for hospital visits (capped at AED 500) and 25% for clinic visits (capped at AED 100).
• Pharmacy: A 30% co-pay with an annual limit of AED 1,500.

Why Consider “Enhanced” Domestic Cover?

While the AED 320 plan keeps you legal, it is very basic. Many families at https://coverb.ae/ choose to upgrade to an “Enhanced” plan for their staff. This can include:

• Dental Care: Even basic cleaning or pain relief can be costly without cover.
• Repatriation: This covers the cost of sending a worker home if they become seriously ill or pass away.
• Wider Network: Access to better clinics closer to your home.

Quick Setup with CoverB

Don’t wait until the visa renewal deadline. As your individual health insurance solutions partner, we can issue a domestic worker policy in minutes. Simply upload the Emirates ID to https://coverb.ae/retail-2/individual-health-insurance/ and get instant approval.