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Though MOM requires all Maid Insurance to provide at least Personal Accident coverage of $60,000 and Medical coverage of $15,000, there are still benefits in the policy you can take note of to make it worth your premium
Indemnity against any sums resulting from accidental bodily injury to any third parties, and accidental damage to any third parties’ properties, as committed by your domestic helper.
If your domestic help is hospitalized, it will be most ideal if your domestic helper's insurance policy can cover for her wages during this period.
Medical benefits do not include outpatient expenses so it is important to know how much is covered in the event outpatient treatment is needed.
This covers the agency fees for a replacement should your domestic helper be terminated due to death or permanent disability.
Covers funeral expenses that is payable to your domestic helper's family.
Theft or damages to your domestic helper's personal belongings will be covered under this benefit.
The process for specific types of claims may differ between Insurers. Here are some things that you should take note of when making an insurance claim.
Most insurers will require you to make the claim within 30 days of the occurrence. Given that it will take some time to process your claim, you would want to submit your claims form as soon as possible.
Whatever you are choosing to make a claim for, you have to be able to prove its authenticity. This means producing original documents for the following: 1) Hospital receipts for medical claims, 2) Attending physician's statement, 3)Police reports for theft
Most insurers only cover up to B2 wards of public hospitals and a pro-ration factor will be applied should your maid be admitted into better wards or private hospitals
Here are some Maid Insurance tips that can help you select a great policy and give you peace of mind when hiring your foreign domestic helper.
Knowing whether the plan covers your helper's pre-existing conditions would be crucial as you would be more aware of the treatments that are not covered by the policy.
You should check if the policy you are getting covers dengue fever and malaria as some insurers actually do not cover these conditions.
You might want to consider the optional waiver of counter indemnity as it limits your liability on the $5,000 security bond to $250.