Migrant Insurance for Workers and Employers
Get the Best Insurance Plan that fits for your Need
- Protect Workers with Reliable Health and Accident Coverage
- What Migrant Insurance Covers
- Why Migrant Insurance Is Essential for Employers and Workers
- Who Needs Migrant Insurance
- Key Risks Covered Under Migrant Insurance
- Types of Migrant Insurance Policies Available
- How Migrant Insurance Policies Work
- What Is Typically Not Covered in Migrant Insurance
- Factors That Affect Migrant Insurance Cost
- How Claims Are Handled for Migrant Insurance
- Why Choose an Advisor-Led Approach for Migrant Insurance
- Get Migrant Insurance Tailored to Your Workforce
- Frequently Asked Questions
Protect Workers with Reliable Health and Accident Coverage
Migrant insurance provides health, accident, and liability coverage for foreign workers employed in the UAE. Since January 2025, all private-sector employers across all seven emirates are required to provide health insurance for their employees and domestic workers as a condition for issuing or renewing residency permits. PIB Secure helps employers meet their obligations while giving workers the protection they need.
25+ Years
Protecting individuals and businesses in the UAE
4,300+
Medical insurance clients served
AED 320/yr
Basic migrant health insurance package cost in the UAE
Mandatory
Employer-paid health insurance for all private-sector workers since Jan 2025
What Migrant Insurance Covers
So what is migrant insurance? It’s a category of coverage designed for overseas workers and the employers who hire them. Migrant health insurance coverage in the UAE typically includes medical care, accident protection, and employer liability. Here’s what a solid policy covers:
Inpatient care
Hospital admissions, surgeries, and overnight stays are covered under mandatory plans.
Outpatient services
Doctor consultations, diagnostics, and follow-up visits are included.
Emergency treatment
Accident and emergency care is covered from day one, with no waiting period for chronic conditions.
Maternity benefits
Pregnancy and childbirth coverage is part of standard insurance for migrant workers plans.
Prescription medication
Coverage for prescribed drugs, typically with a co-payment structure.
Personal accident coverage
Worker insurance for expats can include accidental death, disability, and repatriation benefits.
Why Migrant Insurance Is Essential for Employers and Workers
The UAE’s workforce is over 80% expatriate. Most of these workers depend entirely on their employer for health coverage. Without migrant insurance, a workplace injury or medical emergency can leave a worker without care and an employer facing legal penalties.
Since 2025, proof of health insurance is required to issue or renew any residency permit for private-sector employees and domestic workers. Non-compliance can result in visa rejection, fines, and reputational risk. Employee insurance for migrant workers isn’t optional. It’s the law.
80%+
of the UAE workforce are expatriate workers
96%*
of UAE companies already provide some form of healthcare benefits
Who Needs Migrant Insurance
Private-sector employers in all seven emirates
Every employer hiring foreign workers must provide health coverage. This applies to mainland and free zone companies.
Employers of domestic workers
Nannies, drivers, housekeepers, and other household staff are included in the mandate.
Construction and industrial companies
High-risk sectors need both health and accident coverage for migrant workers.
Hospitality and retail businesses
Large workforces of overseas worker insurance-eligible staff need compliant group plans.
Individual workers and freelancers
Self-sponsored visa holders must arrange their own migrant health insurance coverage.
Key Risks Covered Under Migrant Insurance
Workplace accidents
Falls, equipment injuries, and heat-related incidents are common in manual labour sectors.
Illness and chronic conditions
Migrant workers often arrive with undiagnosed conditions. The 2025 scheme includes no waiting period for chronic illnesses.
Medical emergencies abroad
Overseas worker insurance can include repatriation and emergency evacuation benefits.
Employer liability
If a worker is injured on the job and the employer lacks coverage, legal liability falls directly on the company.
Visa and permit risk
Without valid insurance, residency permits cannot be issued or renewed. This affects both worker and employer.
Types of Migrant Insurance Policies Available
How migrant insurance works depends on the type of policy and the emirate. Options include:
Basic health package (AED 320/yr)
The UAE’s mandatory minimum covering inpatient, outpatient, emergency, maternity, and medication with co-payments.
Essential Benefits Plan (Dubai)
DHA-mandated minimum for Dubai employees, with premiums typically between AED 550 and AED 650.
Enhanced group health plans
Higher coverage limits, wider networks, and lower co-payments for employers who want to attract and retain talent.
Personal accident insurance
Covers accidental death, permanent disability, and temporary disability for workers.
Workmen’s compensation insurance
Covers employer liability for work-related injuries, illness, or death. Separate from health insurance.
How Migrant Insurance Policies Work
Here’s how migrant insurance works for employers:
Step 1: Assess your workforce
Share details on headcount, job categories, emirates of operation, and risk levels.
Step 2: We find the right plan
PIB Secure compares options across insurers for the best migrant insurance cost and coverage.
Step 3: Enrol your workers
Employees are registered and receive insurance cards for network access.
Step 4: Claims and support
Workers access treatment through approved networks. PIB Secure handles insurer coordination.
6,000+
claims settled across all insurance lines
What Is Typically Not Covered in Migrant Insurance
Cosmetic and elective procedures
Non-medically necessary treatments are excluded.
Pre-existing conditions (in some plans)
The 2025 basic scheme has no waiting period for chronic conditions, but enhanced plans may vary.
Treatment outside the approved network
Out-of-network care may not be covered or may have reduced benefits.
Self-inflicted injuries
Intentional harm is excluded from most policies.
Dental and optical (unless added)
These are typically optional add-ons, not included in basic migrant health insurance coverage.
Factors That Affect Migrant Insurance Cost
Key migrant insurance premium factors include:
Plan type
Basic packages start at AED 320/yr. Enhanced plans with wider networks cost more.
Workforce size
Group plans for larger workforces often benefit from lower per-head rates.
Industry and job risk
Construction and industrial workers carry higher premiums than office-based staff.
Age profile
Older workers cost more to insure. Workers over 64 require medical disclosure.
Emirate of registration
Dubai, Abu Dhabi, and the Northern Emirates each have different minimum requirements and pricing structures.
How Claims Are Handled for Migrant Insurance
PIB Secure has settled over 6,000 claims since 2000. Here’s how we support employee insurance for migrant workers claims:
Direct billing
Workers present their insurance card at in-network facilities. The provider bills the insurer directly.
Reimbursement claims
For out-of-network or emergency care, workers submit receipts for reimbursement.
Employer support
PIB Secure handles insurer coordination, disputed claims, and coverage queries on behalf of the employer.
4,300+
medical insurance clients served
Why Choose an Advisor-Led Approach for Migrant Insurance
Brokers, not sellers
We work for you, not the insurer. Better overseas worker insurance coverage, better price.
25+ years in the UAE
We know the regulatory requirements across all seven emirates.
Compliance expertise
We make sure your migrant insurance meets visa and residency permit requirements.
Claims support
Our team handles the process so your HR team stays focused.
Multiple insurer access
We compare options across our network for the strongest terms.
20+
insurance partners in our network
Get Migrant Insurance Tailored to Your Workforce
Every employer’s workforce is different. Tell us about yours and we’ll match you with the right migrant insurance, typically within 48 hours.
Frequently Asked Questions
Most group plans activate within 48 hours of enrolment. Workers receive insurance cards for immediate network access.
Yes. Group policies cover your entire workforce under one arrangement, with per-head pricing based on headcount and risk.
Yes. Since January 2025, all private-sector employers in the UAE must provide health insurance for migrant workers and domestic staff as a condition for visa issuance and renewal.
Coverage typically transfers with the new employer. The previous employer’s policy ends, and the new employer must arrange fresh insurance for migrant workers before visa transfer.
Yes. PIB Secure tailors plans based on industry, job category, and risk level. Construction workers need different coverage than office staff.
Yes. Migrant insurance premium factors include headcount, age profile, industry risk, and claims history. Larger groups often get better per-head rates.
Yes. Health and personal accident insurance can be combined under one arrangement. Workmen’s compensation can also be added separately.
PIB Secure provides full claims coordination, including direct billing support, reimbursement processing, and dispute resolution with insurers.
- Protect Workers with Reliable Health and Accident Coverage
- What Migrant Insurance Covers
- Why Migrant Insurance Is Essential for Employers and Workers
- Who Needs Migrant Insurance
- Key Risks Covered Under Migrant Insurance
- Types of Migrant Insurance Policies Available
- How Migrant Insurance Policies Work
- What Is Typically Not Covered in Migrant Insurance
- Factors That Affect Migrant Insurance Cost
- How Claims Are Handled for Migrant Insurance
- Why Choose an Advisor-Led Approach for Migrant Insurance
- Get Migrant Insurance Tailored to Your Workforce
- Frequently Asked Questions