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INSURANCES

MAID  INSURANCES

 

What are the Insurances that You must Buy for Your Maid?

Helper cleaning a window, considered a dangerous act that need Medical Insurance and Personal Accident Insurance.
Cleaning a Filter

Housekeepers'  will purchase the insurances, on the employer's instructions, to cover what is required by prevailing Laws. Employers are required to buy a Medical Insurance, a Personal Accident Insurance and a Security Bond for the maid employed. These can be purchased as a package. We can purchase these on the employer's behalf, getting the best price and optimum benefits besides ensuring that they all comply with legal requirements. Packages with different benefits above the minimum requirements range between S$ 320 to $520 for 26 months coverage. The insured period for a 2-year contract is 26 months. 

Medical Insurance  

 

The minimum coverage needed is S$ 15,000. This is to cover the maid's inpatient care and day surgery requirements when needed.

Personal Accident Insurance 

 

The minimum coverage is S$ 60,000. This covers accidents leading to permanent disability or death with the  lump compensation passing to herself or her next of kin. 

The policies, varying with different packages of benefits and limitations, cover items such as:

  • Outpatient expenses

  • Repatriation expenses

  • Wage compensation, pro-rated and capped, in case the maid is hospitalised

  • Theft by the maid of the employer's properties

  • Third party damages if accidentally committed by the maid

  • Replacement fees expenses in case of death or incapacitation of the Maid

Security Bond 

 

The Security Bond is a binding pledge to pay the Government if either the employer or the maid breaks the Work Permit conditions. The Bond is in the form of a Banker's or Insurer's Guarantee. The employer may may penalised with forfeiture if the employer or the maid:

  • Violates any of the Work Permit Conditions.

  • If the employer does not pay the maid's salary on time.

  • If the employer failed to send the maid home when her WP is expired, revoked or cancelled,

  • The maid goes missing.

  • A maid getting pregnant used to be a condition or other volitions (such as committing a crime on her off day), but now this is not the employer's responsibility if the employer can prove that she has make the maid aware of such offences, and has reported and taken action as soon as the employer became aware of the maid's condition or act.

Waiver of Counter Indemnity

Priced around $50 this protect the employer's bond, and the employer need  pay $250 instead of $5,000 for breach of the Bond Conditions, if it is proven that the violation is not result of the employer's action.

 

Maid Insurance Plus Letter of Guarantee                                                 (4 Packages)

                                                               1.  Basic Package

                           Insurance Cover + Letter of Guarantee                Premium     $330.00

                           Above + Waiver of Counter Indemnity                   Premium    $380.00

                                                               2. Classic Package   

                           Insurance Cover + Letter of Guarantee                Premium     $370.00

                           Above + Waiver of Counter Indemnity                  Premium     $420.00

                                                               3.  Elite Package

                           Insurance Cover + Letter of Guarantee                Premium     $420.00

                           Above + Waiver of Counter Indemnity                  Premium     $470.00

                                                               4. Elite Plus Package

                           Insurance Cover + Letter of Guarantee                Premium     $520.00

                           Above + Waiver of Counter Indemnity                  Premium     $570.00