In case you live in Singapore and are looking for some domestic help, you need to consider getting maid insurance. For your convenience, we will discuss what maid insurance is and how to look for the best domestic helper insurance Singapore.
What does maid insurance in Singapore refer to?
Maid insurance is the insurance policy that is required by the government to guard you against any losses in case of any work-related accidents of your domestic help. Otherwise, you are responsible for the coverage of any or all the medical expenses of your maid. Even if it is not related to work, getting maid insurance will not deem you responsible for these expenses. For this reason, you will be able to save money and lay claim on different kinds of expenses that do not only include medical bills.
How much coverage does maid insurance in Singapore provide?
If you are wondering how much critical illness cover do I need, we are here to help you out. Maid insurance in Singapore offers the following types of coverage that are listed below.
- Critical illness coverage
You may want to know how to get a critical illness insurance plan in Singapore when it comes to your maid. For this, you will have to pay a large amount of money for your maid insurance. Thus, if your domestic help gets diagnosed with a heart attack, cancer, or stroke, your maid insurance will provide you with the necessary critical insurance coverage.
If your domestic help runs into an accident while working in your home, you will not only need to cover the hospitalisation charges, but it may also include outpatient treatment. This way, the insurance company will reimburse your maid’s medical expenses without you having to worry about it.
Outpatient treatment coverages are only given in case of an accident. Depending on the price of your policy, the expenses that your maid insurance covers will differ.
Your house help can also experience an accident while doing risky work like cleaning your balcony ledges and so on. But, the maid insurance in Singapore will cover your maid’s surgical costs and hospitalisation charges. If your domestic help gets sick or injured, you can rely on your maid insurance policy to provide the medical coverage.
So, if you are afraid of your maid’s medical bills thinking that you will have to give up your hard-earned money, consider getting maid insurance in Singapore. In this manner, you will be able to provide your domestic help with medical attention whenever they need it.
If your domestic help gets disabled or dies, you will get repatriation coverage from certain maid insurance policies in Singapore to send them back home. But, the insurance coverage policy will be quite expensive in this case.
Getting a maid insurance policy will also offer you some other benefits. For instance, if your maid is not able to work or gets hospitalised, your insurance company will give you a small amount of daily allowance each day. It is how they will compensate for the wages of your domestic help. So, your maid will still be able to earn even when they are recovering from their accident or sickness.
Apart from repatriation, you will also be able to make a claim on your maid insurance policy if they run into an accident or get disabled. In this way, you will not only be helping your maid but also looking after their family.
If your maid causes damage to someone’s property, you as the employer can face charges. For this reason, maid insurance policies also provide third party liability coverage.
How can you look for the best maid insurance policy in Singapore?
You may have to take into account different factors while looking for the best maid insurance policy in Singapore. For instance, you will need to think about how much you are willing to pay for your maid insurance policy.
If you have enough money, you can search for policies that offer the highest coverage. Moreover, you can also go through policies that are affordable but also provide a decent amount of coverage.
In some cases, you will have the liberty of choosing the type of coverage you want in your maid insurance policy.
For instance, if you think that medical charges are your top priority, you can select the coverage according to the kind of preferences that you have.
Hence, you can also make a comparison between maid insurance policies.