A domestic worker may be the true head of household in some households. Dishes would be unclean, bathrooms would smell, and children would play with heavy instruments if she wasn’t around.
If you’re a domestic assistant or want to hire one, maid insurance is a must-have for every business. It’s critical to understand what kind of protection, wage compensations, and outpatient charges are covered by the insurance.
We put up a detailed guide to everything you require to understand to safeguard your domestic assistant (and your expenditures).
If the maid Commits An Offense Against You or any family member
When domestic assistance comes out to be somewhat trusted than you expected, it’s a bummer. Despite the fact that certain incidents are uncommon (an estimate of 40 FDW-on-employer harassment cases annually), the idea that they would occur can make any administrator feel uneasy.
If you come home someday to discover your goods missing and if you have a disagreement with your assistant & your helper retaliates by injuring young children and elderly parents, the mental trauma and accompanying medical & replacement expenditures can be significant.
According to the insurance provider, the great news is whether all of the events may be covered by the domestic assistant insurance. This covers objects lost or destroyed by theft or fire, as well as injuries to young, disabled, or elderly parents.
If you have documentation of each of these incidents (such as a residential CCTV system), then you should notify the police, your insurance, as well as the Ministry of Manpower. Nevertheless, you might not be eligible to claim repatriate, rehiring, and termination costs, although these are often only recoverable in the event of serious illness or death.
If The Domestic Helper Slips and Injures Himself While Cleaning
The Department requires the Settling-In Training of Labour for a purpose: it is their means of informing your household helper on correct work procedure and how to avoid avoidable injury.
Only with six incidents of life-threatening injured workers every year in total, the program appears to be performing its job effectively.
There will also be instances when such routine is disregarded, whether by the assistant who likes to do everything in her own manner or by companies who demand on getting the task done irrespective of safety precautions.
Unfortunately, this frequently results in risky situations which expense the employers millions of dollars in medical bills and result in the domestic helper’s lifelong damage or death.
If you file a claim for the critical illness provision of the domestic helper insurance, you should be covered. Based on the intensity of the damage, your insurance company will pay a prorated amount.
Some insurance even covers outpatient fees to keep the wounded worker’s therapy going. Suppose you opt to maintain your domestic helper just after the incident. In that case, the policy will protect her wages when she’s in the hospital, as well as wages for interim substitute help in some situations.
If the damages are severe indeed, and you wish to return your employee home, the insurance would cover the costs of termination, repatriation, & rehiring.
If your Domestic Helper Gets Pregnant, What Should You Do?
In Singapore, there are only about 100 occurrences of domestic assistant pregnancies each year. However, the probability still seems to be high enough even for insurance carriers to deny coverage for something linked to the pregnancy of the domestic servant. It includes the costs of pregnancy, delivery, miscarriage, & abortion.
Because she will be in violation of her working visa, it is extremely unlikely that you’ll be accountable for the domestic laborer’s medical expenditures at this time.
Nevertheless, you will also be liable for the cost of repatriation & rehiring, as the coverage would only reimburse these expenses if the domestic worker is unable to continue working due to health conditions other than pregnancy.
If my Domestic Helper Leaves, What Should I Do?
Approximately 3,000 domestic assistants flee each year, as per the latest stats. If the domestic helper flees, you must call the authorities as well as the Ministry of Manpower right away.
Sadly, your insurance will not be of much assistance in this scenario. If you are unable to locate your domestic servant, 50% of your protection bond will be forfeited to assist with her repatriation as well as other fees.
If you acquired the additional waiver of counter indemnification benefit, the insurance could only assist you in reclaiming a portion of the amount.
The bond liability could be reduced to $150 rather than $1,500 with this waiver. On the other hand, the insurer will need proof that you seem to be not the one who broke the guarantee.
Should I buy critical illness insurance?
Financial planners advise that, following the increase in critical diseases and the high expense of medical care also after a prognosis, people should get stand-alone medical insurance coverage in addition to their insurance coverage.
Why is insurance so important now?
In this pandemic, maid insurance covid coverage plays a vital role. If your maid goes through this tough situation or for her, you or any of your family members feel sick; you will get the whole or 50 percent coverage from your insurance company. If you haven’t yet made the insurance, plan for it now.
Final Thoughts
Not even all servant insurance strategies are designed equal, and that is why reading the plan terms and planning out the advantages you need coverage for before deciding on such a policy is critical.
And you might be bound into the insurance coverage provided by the maid service during the initial year. This is a good idea to shop around for better rates when extending the domestic assistant contract.
Furthermore, while these events do occur, they are still uncommon. However, because many of these situations could wipe away entire savings and even put you into bankruptcy, it’s wiser to pay a little more for the insurance system to ensure enough coverage and avoid financial catastrophe.
