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Domestic Helper Insurance- What's Covered and What's Not

Domestic-Helper-Insurance

Having a domestic helper insurance is beneficial for you as an employer. Through this insurance policy as well as you can recover expenses, cost, and other related charges against you with regards to your treatment with your domestic helper. As this insurance policy protects your domestic helpers from unwanted harm or damage, this should also protect you as an employer. If there are any damages or untoward accidents that may happen to your helper while doing house cleaning or any tasks in your own household, the insurance will help you cover the cost of damages and other related costs.

It is best to know the coverage of your domestic helper insurance policy. This is to help you know and understand what the policy has in store for you and what is not covered in it, so your expectations will be conformed to what was agreed when you applied for the policy.

What is covered in a domestic helper’s insurance plan?

If the domestic helper gets terminally ill, the helper is entitled to be treated under this insurance policy. He or she can also receive repatriation assistance if he or she wishes to go home to his or her country to recover. For the employer, the insurance company can shoulder up for the employer the termination and rehiring expenses. This is offered by most insurance companies in Singapore and in some major countries in the world that hire overseas domestic helpers.

If the helper commits a crime against you or your household, the employer is insured of all items lost, stolen, or burned down (if the helper committed arson against his or her employer). Also, the employer is insured for medical expenses for children, handicapped, and the elderly who were maltreated by the helper. The coverage would only be honored once the case has been filed against the employer and the helper is found guilty of doing the crime.

Should your helper run away for no valid reasons or went AWOL without due notice, the employer can be covered by the insurance company for termination and rehiring expenses. This is honored only when the insurance company completes their investigation on the helper’s runaway case and that the employer has nothing to do with the runaway or had abused the helper which made the helper decide to run away from his or her employer.

Should your helper fall into an accident while doing his or her house cleaning task, the insurance company can also provide assistance on medical treatment. This will be released on a prorated amount, and this would depend on how severe the injury is. This claim is available even when the helper breaks from domestic helper protocol or the employer have pushed the helper to do risky tasks. Some insurance companies also offer outpatient coverage and wages for the helper during his or her absence from service due to the accident.

What is not covered in a domestic helper’s insurance plan?

Apparently, there is no coverage available for pregnant helpers, other than their medical insurance that is personally shouldered by the employer and not by the domestic helper insurance policy. This could not be covered for illnesses and pregnancy as well. The employer could not make claims for insurance either as this case is not included as a medical condition. Termination and rehiring expenses are not covered in this situation also.

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INDIVIDUAL HEALTH INSURANCE
Family Health Insurance
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SSIS offers FREE Sydney individual health insurance quotes for individual health insurance plans and family health insurance plans. We will research the most affordable health insurance plan or affordable dental plans for you and your family.

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GROUP HEALTH INSURANCE
Employee Benefits
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SSIS offers group health insurance quotes for group health insurance and employee benefits plans. We are able to quickly research the best and most affordable group health insurance plan and affordable dental plans to fit any sized employee group or any budget from only the highest rated insurance carriers.

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GOOD KARMA PROGRAM
We Donate 1%
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"Karma" means "Action". To express our commitment to our social and environmental concerns, SSIS's Good Karma Program donates 1% of Sydney health insurance premiums to progressive causes. Donations are made on both individual health insurance and group health insurance policies.

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SSIS offers the most affordable Sydney health insurance quotes. Other agencies accomplish this by offering their clients "cheap" or "discount" health plans from poorly rated or unlicensed carriers that offer mediocre group and individual health insurance coverage. SSIS takes all the time necessary to properly research the most affordable group health insurance and individual health insurance plans specifically customized to your unique needs and budget.
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After you receive your free online Sydney health insurance quote, an Account Representative will contact you to discuss and customize your group health insurance and individual health insurance quotes.
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Individual Health Insurance Quotes
Group Health Insurance Quotes
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