Maid insurance typically provides financial protection for both you and your domestic helper. Here are some key areas of coverage:
- Personal Accident: Covers accidental death and permanent disability of your helper. This is a mandatory requirement by MOM.
- Medical Expenses: Covers hospitalization and surgical expenses incurred by your helper due to illness or injury.
- Repatriation Expenses: Covers the cost of sending your helper back to her home country in case of death or permanent disability.
- Wages & Levy Reimbursement: Reimburses you for the maid's wages and levy while she is unable to work due to hospitalization or illness.
- Third-Party Liability: Protects you against legal liability for accidental injury or damage to property caused by your helper.
- Security Bond: Provides a Letter of Guarantee to MOM in lieu of the security bond, which is also a mandatory requirement.
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