Housemaids are the domestic helpers who help households do the chores daily. These people help with daily chores, especially on hectic work schedules. The household can go to work without worrying about undone chores, they can leave it to the maids. Therefore, maids are the trusted persons who work on household chores, and they should get an insurance plan.
Many are asking this, is getting a maid insurance policy required?
Is getting a domestic helper insurance requirement?
Yes, employers must purchase insurance for domestic helpers. The employer is required to have employee compensation insurance for domestic helpers they hire. According to the labor code, an employer who fails to comply with compulsory insurance requirements is responsible for:
- conviction to the maximum fine
- possibly imprisonment
Employers take care of the domestic insurance plan before employment. Insurance is essential as it covers the employer’s liability when an employee is sick or injured while working. The basic form and least pricey domestic helper insurance provides minimum requirements.
Some employers choose to get basic employee compensation insurance. Other employers choose more extensive plants, providing more protection. It is recommended to compare house maid insurance policies between forms to find a policy that best fits the budget and needs. A more comprehensive housemaid insurance plan has several coverages, including:
- Dental Insurance
- Fidelity coverage
- Health insurance
- Personal accident insurance
- Replacement expenses
- Repatriation expenses
- Temporary worker subsidy
Why do you need a domestic helper insurance plan?
It is common to have a domestic helper that helps the household with daily chores. Domestic helpers are multi-taskers and can also get sick or injured during work. It is important to know how insurance protects domestic helpers and their employers. It is essential to understand that domestic helper insurance is necessary and mandated by the law.
Getting domestic helper insurance is an employer’s legal liability. It stipulates that once an employee gets sick or injured during work, the employer needs to continue paying. The liability throughout the recovery, including the medical expenses. The employee compensation insurance covers the interest as an employer and for domestic helpers.
Also, domestic help becomes a part of your daily life and is essential to stay healthy. Therefore, the insurers are offering a helper insurance package that regroups to:
- Small additional coverage for:
- domestic hospitalization
- surgical
- outpatient etc
- Employee compensation insurance
- Some insurers offer options, such as:
- critical illness (cancer)
- heart disease etc
The helper insurance package costs less than a thousand dollars yearly.
Additional coverage
The additional coverage includes:
- Levy reimbursement and wages. It pays housemaids when hospitalized due to illness or injury.
- Replacement maid expenses. It covers hiring the fee for a replacement maid when the service of the maid stops due to the following:
- death
- injury
- illness
- Repatriation expenses. Reimburses the transportation cost for the maid to return to the home country following:
- permanent disablement
- death
- Termination expenses. Payout if the maid is certified unfit for the work by the medical practitioner due to injury or illness.
- Liability to third parties. It protects you against expenses if there is property damage or third-party injury because the maid was negligent.
On mandatory personal accident and medical coverage, many domestic helper insurance policies include more coverage without added costs.
