Kuwait's Domestic Workers Law (Law No.68/2015) mandates that all employers provide health insurance for their domestic workers. Without valid insurance, the worker's Civil ID and residence cannot be issued. This guide covers what's required, costs, and how to enroll.
⚡ Quick Facts
| ✅ Mandatory? | Yes — required under Law No.68/2015 |
| 💰 Basic Plan Cost | KWD 50–100/year |
| ⏱️ When Required | Before/at Civil ID registration |
| 🏥 Coverage | Government & approved private hospitals |
| 📞 PAM | 1884880 |
⚖️ Legal Requirement
Under Law No.68 of 2015, employers must provide comprehensive health insurance for domestic workers covering medical treatment, medications, and hospitalization. Failure to provide insurance is a violation of the Domestic Workers Law and can result in PAM penalties.
💰 Health Insurance Costs 2026
| Plan Type | Annual Cost (KWD) | Coverage |
|---|---|---|
| Basic Plan | KWD 50–70 | Government hospitals, emergency, essential medications |
| Standard Plan | KWD 70–90 | Approved network clinics, GP, specialist referrals |
| Enhanced Plan | KWD 90–120+ | Wider hospital network, dental, optical, maternity |
🏥 What Must Be Covered
- ✅ Emergency treatment at hospitals
- ✅ General practitioner consultations
- ✅ Essential prescribed medications
- ✅ Basic diagnostic tests
- ✅ Work-related injury treatment
- ✅ Hospitalization for illness
🔄 How to Enroll
Approach Kuwait-approved insurance companies such as Gulf Insurance, Al Ahleia Insurance, Warba Insurance, or Kuwait Insurance Company.
Request a domestic worker specific health plan and get the certificate.
Include the insurance certificate when registering the worker's Civil ID at PACI.
Renew before expiry — lapsed coverage blocks Civil ID renewal.
❓ Frequently Asked Questions
Can the employer deduct insurance costs from the maid's salary?
No — health insurance must be fully paid by the employer under Law No.68/2015. Deducting insurance from the worker's salary is illegal.
What government hospitals can domestic workers use in Kuwait?
Domestic workers with valid health insurance can access Kuwait's government hospital network including Mubarak Al-Kabeer Hospital, Amiri Hospital, and regional hospitals at subsidized rates.
Is maternity covered under domestic worker insurance?
Basic plans typically do not include maternity. Enhanced plans may cover maternity — check with the insurer before purchasing.
What happens if a domestic worker gets injured at work?
Work-related injuries are the full employer's responsibility under Kuwaiti law — separate from regular health insurance. Treatment costs must be fully covered by the employer.
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📌 Source: Kuwait Law No.68 of 2015 — Updated 2026. Always verify at manpower.gov.kw