What is The Policy For Domestic Helper Insurance in Singapore?

Whenever you plan to hire a domestic worker in Singapore, there are a few compulsory things you need to clear first. The Ministry of Manpower has set some requirements that every employer has to follow. If you’re an employer, then, it is mandatory to buy Domestic Helper Insurance in Singapore.

Mainly, it consists of at least S$60,000 in personal accident coverage and even includes a MOM security bond of S$5000. But if you’re interested to know more about the policies for domestic worker insurance, then keep on reading this blog. 

In this post, we will list essential information about domestic helper insurance and what you need to look for.

So, without further making you wait, let’s dive into the important points.

 

Things You Need To Look Out For in A Domestic Helper Insurance

A good maid insurance policy must include repatriation expense cover, adequate medical expenses cover, and a good personal liability cover. Below are some important things you need for your domestic helper in Singapore: 

1. A Medical Expenses Cover

As an employer, you must look for a plan that covers a complete range of medical features. Where things like medical experiences are concerned, make sure your maid insurance plan covers all the hospital and surgical expenses, outpatient medical expenses, day surgery and much more. 

Most of the plans offer a 90-day pre and post-hospitalization treatment.

Now, the details and the lever of the cover can vary across the insurers. So, it’s your duty to ensure that you thoroughly read and understand the terms and conditions of the policy before buying it.

2. The Dental Expenses For FDWs (Foreign Domestic Workers)

It’s important to learn that most insurance plans don’t cover any expenses when it comes to normal dental treatment. Therefore, if your helper requires dental work done, then, the bill may not be covered by the insurance.

 

3. Repatriation Expenses Cover

It can be a costly affair when you have to send your domestic helper home if she suffers from a permanent disability. So, there are policies that cover the repatriation costs. 

It also includes the cremation or burial expenses for the domestic helper or sending ashes back to her home country.

 

4. Adding A Personal Liability Cover

If you’re new to the term, then we’ll help out understand it. A personal liability cover generally covers the benefits if your Domestic Helper in Singapore is legally responsible for causing damage or loss to someone else’s property. 

This policy cover will include the cost of legal representation as well as the damage claims against your helper according to specific limits.

 

5. Levy And Wages Reimbursement

There are some plans that will cover your FDW wages. It can also include a government levy for a period for which they are in hospital. However, this is subject to a maximum limit on the number of days. 

You can check the most popular domestic helper insurance to get a better idea.

 

6. Policy Coverage

It’s important to understand what kind of coverage you’re planning for. For example, you need to ask whether you need a dengue fever cover for your maid. Now, in recent years the dengue cases have risen in Singapore. 

So, it will be beneficial for your maid to have the coverage. There are outpatient benefits also that are quite important to consider. They cover medical treatment for accidents, bruises, falls, or any cuts.

 

When You Should Buy The Maid Insurance?

The timing plays an important role when it comes to buying the maid insurance. If you’re planning to get a helper outside of an agency, you may need to meet the MOM’s requirement of a security deposit. 

It can cost you around $5000. Moreover, the whole focus may take up to five working days. Ensure that the security bond must be valid from 14 days prior then the domestic worker’s arrival. 

Keep These Things in Mind Before Buying An Insurance Policy For Maid

It’s best to always take some time to consider whether the policy covers and fulfils all your requirements as an employer. Make sure, at the end of the day, that your chosen maid insurance policy should offer enough coverage. 

If something unexpected happens, you’ll be strongly covered by the policy.

 Also Read: The Ultimate Guide to Choosing the Top Maid Agency for Your Home

Finishing It Up

These above-mentioned points are sure to help you learn about the things covered in the policy of maid insurance. Take your time to thoroughly read and get familiar with the terms and conditions mentioned in the policy. 

In Singapore, as an employer, you’re legally required to offer proper insurance coverage for your foreign domestic worker. It is for offering protection for both your financial security and the welfare of your helper. Now, helpers play a crucial role in day-to-day life. 

Therefore, it’s an essential thing to look after them also. You should keep in mind all the points that we listed in order to get the right policy. 

If you’re planning on buying domestic helper insurance in Singapore, then it’s best to consult with Jory Employment PTE LTD. The team can help you at every step of the entire process and get you the security bond with maid insurance. 

With the help of maid liability insurance, you can protect yourself and the maid in case any accident happens.

Speak with the experts today and learn more about different maid insurance packages!