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In the UAE, it is essential to provide maids with proper insurance. This protects both the maid and the employer from unexpected costs. Here’s a simple guide to the types of insurance every maid should have:
1- Health Insurance
Health insurance is mandatory for all domestic workers in the UAE. Employers are responsible for providing this insurance, which covers medical expenses like doctor visits, hospital stays, and medications. This ensures that maids can access healthcare when needed without financial stress.
2- Workplace Accident Insurance
Domestic helpers can face injuries while working, such as lifting heavy objects or slipping. Workplace accident insurance provides coverage for such incidents, including medical treatment and compensation for lost wages if the maid cannot work.
3- Life Insurance
Though not mandatory, life insurance is a good option for extra security. It offers financial support to the maid’s family in case of unexpected death. Employers can include this as an added benefit to show care for their helpers.
4- Liability Insurance
Liability insurance protects employers in case of damages or accidents caused by the maid while performing her duties. For example, if an item is accidentally broken, liability insurance can cover the repair or replacement cost.
5- Third-Party Insurance through Agencies
If you hire a maid through an agency, some agencies include basic insurance in their service packages. Confirm what’s covered and if additional insurance is needed.
Why Is Insurance Important?
Insurance helps ensure that your maid feels safe and supported. It also protects you from unexpected costs and legal issues. Providing proper insurance shows respect for your helper’s well-being, building a better working relationship.
By understanding and providing the right insurance, you can meet legal requirements and create a secure environment for your maid.
