Domestic Maid
- A short-term insurance policy for foreign domestic helpers (FDHs), also called maids
- Covers both the maid and the employer
- Protects against medical costs, accidents, hospital stays, and repatriation
What It Covers:
Personal Accident
- Compensation for accidental death or permanent disability
Hospital & Surgical Expenses
- Covers hospital stays and surgery costs due to illness or accidents
Outpatient Medical Expenses
- Pays for clinic visits and minor medical treatments
Repatriation Costs
- Covers expenses to return the maid to her home country if needed
Wages & Levy Reimbursement
- Reimburses employer for wages or levies during maid's long medical leave
Special Grant / Bereavement Allowance
- Lump-sum payment in case of the maid’s death
Third-Party Liability (Optional)
- Covers damages or injuries caused by the maid to others
Why Employers Should Get Domestic Maid Insurance:
- Legal Requirement: Often necessary for work permit or immigration approval.
- Financial Protection: Reduces the employer’s financial burden during emergencies.
- Peace of Mind: Covers unexpected costs throughout the employment period.
When to Buy It
- Usually purchased at the time of hiring a maid
- Must be renewed annually along with the maid’s work permit
