Daily household and family needs time and energy, making your day hectic without a domestic helper to help. But, as a household owner who needs help from a domestic helper is a responsibility you must ensure. It is essential for a maid or domestic help to get an insurance plan. It ensures well-covered against possible accidents, and you are protected from liability as an employer.
The maid insurance secures financial protection against an unplanned expenditure on domestic helpers or housemaids meet with the following:
- accident
- falls ill
- passes away unexpectedly
You will be protected financially against claims from disease or injury or any third party because of negligence. A maid or domestic helper plan gives peace of mind throughout service.
Choose the right insurance plan
The importance of a housemaid insurance plan has been recognized by the labor code and should be ensured by the household. It includes domestic helpers or maids. There is an annual claim limit for medical insurance that has increased recently.
Employers are required to purchase maid insurance plans with higher coverage limits. Choosing the right housemaid insurance plan is a requirement and must be complied with by the household. Both domestic and foreign domestic workers can have an insurance plan that covers the following:
- Daily hospital allowance
- Death and disablement benefits
- Hospitalization and surgical expenses
- Liability coverage
- Outpatient medical expenses
- Personal accident benefits
- Repatriation expenses
- Wages Compensation
Some plans can be more simplified and comprehensive. Therefore, there are fewer or more components to get insured than mentioned above. So, when choosing a domestic insurance plan, it is essential to do a comparison between plans offered by various insurers. In addition, you must consider the specific coverage needed for the domestic helper you hire.
Is housemaid insurance covered by law?
Yes and no, some countries may not be covered by the law about housemaids insurance. Yet, most countries hiring foreign housemaids ensure that these domestic helpers can get domestic helper insurance. A domestic helper insurance plan benefits both the household and the housemaid.
Rights of a Foreign Domestic Helper
The labor rights state that domestic helper is entitled to:
- 1 rest day in a week
- Statutory holidays
- Paid annual leave
When to get domestic helper insurance?
If it is affordable and convenient for you, it is good to get domestic helper insurance. By the time you sign the contract with the agency hiring a maid, it is a mandatory requirement to provide personal and medical accident insurance coverage for your domestic helper.
Employers must arrange for the insurance before the maid starts working. It is to ensure compliance with the regulations and protect employers and maids in times of accidents or emergencies.
Is a domestic helper insurance plan costly?
The cost of a domestic maid insurance plan may vary on various factors:
- coverage
- insurer
- duration of the policy
You may expect to pay a lot, but this is the time when comparison of pricing matters. You can expect to pay a hundred dollars based on the payment agreement, either monthly, quarterly, or yearly policy.
