Think about this – on average, how many times a day does someone call for your helper in your household? From your child’s missing sock to ironing the dress you chose for your next meeting, to packing lunch, helpers really play an important role in ensuring that daily life goes on smoothly for us.
But many of us do end up taking things for granted, and overlook the fact that they are just as susceptible to illness and unforeseen circumstances as we are. Here’s how you can get simple, affordable and comprehensive maid insurance to protect your helper, and ensure you don’t get stressed out when things go wrong!
Why the Need for Comprehensive Maid Insurance
Your helper is a part of your family. As such, it is important to get her covered with insurance, just as you would for any other family member. As an employer, you should be responsible for your helper’s medical expenses and general well-being.
Moreover, maid insurance is a government-required insurance policy that will protect you from any cost incurred due to your helper’s illnesses, accidents and other unforeseen circumstances. This is necessary as she is not protected by the Work Injury Compensation Act.
Is it an additional cost? Yes, but in paying for maid insurance, you are potentially saving yourself from bigger costs as you know only too well that hospitalisation expenses do not come cheap in Singapore. This is especially so now that we are living in the midst of a global pandemic.
Simple & Straight-Forward Maid Insurance for Stressful Situations
When your helper falls ill or worse, is hospitalised, it will indeed be a trying time for the entire family. In addition to the disruption of daily routines, it can be frustrating and nerve-wracking not knowing what to do.
Furthermore, if you are unsure of what to do, your helper may feel helpless. Many employers end up repatriating their helpers when they fall ill. This may be the only option in some cases but oftentimes, your helper can seek treatment that does not have to come out of your pocket with comprehensive and affordable maid insurance.
Where possible, we would want to stand by our helpers during their time of need, after all, they have done for our families.
FWD – Fuss-Free, Comprehensive and Affordable Maid Insurance
The good news is, there are options for comprehensive and affordable maid insurance that keep things simple and fuss-free when you need to make claims.
Established in Asia in 2013, FWD has sold more than 45,000 policies till date. It offers you easy-to-understand products, to deliver products and services that are relevant and convenient. It offers you maid insurance that is simple, reliable, and convenient – just what you need in a time of difficulty.
FWD is the only insurer that offers a security bond plus in which it pays directly to the Ministry of Manpower (MOM) for up to $5000 without any additional payment from you.
FWD’s comprehensive and affordable maid insurance ensures that your helper is well covered for outpatient, hospital and surgical expenses. As the employer, you will also be compensated for wages and levy as well as for alternative helper services.
You will also receive a 100% cancellation refund should you cancel your policy within 3 months. Visit the FWD website for the full list of coverage information.
Also, given that we are all living with the anxiety of Covid-19, FWD helps to put your mind at ease by providing you with the option of adding Covid-19 coverage. FWD covers up to $15,000 for hospitalisation costs incurred by your helper if she is diagnosed with Covid-19 within 14 days of returning to or entering Singapore. This is above and beyond MOM’s requirement of $10,000 coverage. Additionally, FWD provides up to $10,000 for Covid-19 repatriation expenses.
You can take comfort in the fact that when it comes to making claims, FWD makes good on its word to make your experience seamless and fuss-free for the last thing you need is additional stress.
Mums, having a helper makes life easier for you and the entire family. Ensuring that your helper is well-covered by comprehensive and affordable maid insurance makes both you and your helper feel at ease. Most importantly, having insurance that keeps things simple goes a long way when the going gets tough. Visit the FWD website and get a quote for your helper’s insurance today!
This is for general information only and does not constitute financial advice.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact FWD Singapore Pte. Ltd. or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.