What You Need To Know About Maid Insurance

Domestic workers, including housekeepers, drivers, gardeners, maid insurance, and even security guards, are used by many houses. However, domestic servants have the same legal protections as any other employee or worker in the city. Some businesses, especially those starting in the town, may not be ready for this. It is because some people have the misconception that all it takes to hire a domestic worker is to sign an employment contract.

Evaluate Different Maid Insurance Plans

Every maid insurance plan available today satisfies the government’s minimum requirements, even if different insurers provide different benefits in their policies.

Here is a rundown of five different maid insurance plans and the maximum amounts they cover to help you choose the right one. If you’re a Filipino domestic worker under 40, the below regulations apply for 26 months.

Advantages Of Long-Term Housekeeper Insurance

The only kind of business insurance mandated by law is employees’ compensation coverage. So, you don’t have to worry about getting extra insurance if you’re an employer or a domestic worker.

Remember that under labor laws and regulations regulating the employment of domestic workers, even with insurance coverage, you are still responsible for your domestic helper’s medical bills if they get ill. Health insurance for domestic workers is not legally required, but it can save you time and money in the long run.

Is It Necessary To Get Maid Insurance?

Obtaining maid insurance should be a priority for you, if feasible after you sign the contract with the maid agency to hire a maid. The reason is that it mandates that you provide your maid with health and accident insurance.

Make sure your maid has the necessary insurance before she arrives in Singapore. It will protect both of you in case of accidents or emergencies and ensure you follow the law.

 What Does Housekeepers Insurance Cover?

Maids, who often hail from countries like Indonesia, the Philippines, and Myanmar, need varied degrees of insurance to assist with various domestic tasks, including cooking, cleaning, child care, and nursing.

Guaranteeing Loan

Submitting a security bond to MOM is a requirement for work visa applications. If the maid breaches the terms of her employment, your employer may be entitled to recuperate the bond amount via specific insurance policies.

Personal Belongings

Some policies may protect the maid’s clothing and other personal belongings in the event of theft or damage.

Termination And Rehiring Expenses

In the case of an early contract termination or needing a replacement maid, specific insurance policies may cover associated expenses, such as agency fees or repatriation costs.

Advantages Of Supplementary Aid

The expense of hiring a temporary helper to assist with household tasks while the maid is hospitalized may be covered by some plans.

Repayment Of Wages For Domestic Leisure

Specific insurance policies cover the maid’s salary while on approved home leave in her native country.

Pensions In The Event Of Death Or Disability

The maid’s designated beneficiaries or immediate family will get a lump sum payment from the death benefit in the case of a work-related injury that renders the maid permanently incapacitated or if she dies in the course of her employment. The maid’s family back home will also profit from this money since it will help with funeral expenses.

Insurance Coverage For Individual Incidents

If the maid sustains injuries or has an accident on the job, these benefits will protect her immediately. The policy pays for the maid’s medical bills, hospital stays, and damages if she is hurt or killed on the job or while off duty.

Protecting Against Debts

This function is designed to assist employers with paying legal bills, compensation claims, and other expenses associated with this kind of duty. If the maid causes harm to a third party, the employer (the person hiring the maid) will be protected from legal action.

Fees Related To Returning To The Home Country

It covers the maid’s transportation home if she is harmed, becomes ill, or dies while working in Singapore.