Getting a maid insurance is a mandatory requirement when you’re hiring a maid in Singapore. This is why it is essential to find the best possible maid insurance in the market. And we have listed below a simple guide to follow in order to find the best plan for your domestic helpers.
Shop Around to Find Suitable Plan
There are quite a number of maid insurance packages offered in Singapore today. Shopping around to find the best maid insurance plan is not difficult at all. You need to first determine the level of your dependability and reputation as a cleaner. This way you will be able to gather all the necessary information that will help you make the right decision. The more you know about the person you are hiring, the easier it will be to find a suitable package.
Request a Free Quote
There are several ways to buy maid insurance in Singapore. If you are looking for the ideal policy, there are various options available online. There are sites that offer different packages from different insurance companies. The best way to get quotes from these insurance companies is to go directly to their websites and request free quotes.
Check the coverage
When considering which maid insurance in Singapore you need, it’s important to know what maid insurance in Singapore really covers. Just like any other type of insurance, maid insurance in Singapore comes with a range of coverage and services. If you are in Singapore and thinking of getting a maid, you should take a look at the different types of insurance available to you.
There are certain things that maid insurance in Singapore always covers. The most basic coverage includes injuries. As a cleaner, it is very likely that you will encounter several types of accidents. From minor cuts to major damage, accidents are a common occurrence for maid agency employees in Singapore. It is also important to mention that this type of coverage does not just cover the maids themselves but their employers as well.
In Singapore, it is normal for maids and other domestic helpers to bring their personal belongings when they work. This is because they cannot risk their personal belongings if they lose it while cleaning. For them to be fully covered, maid insurance in Singapore requires that all their personal belongings are taken care of. Personal belongings include cash, jewelry, photos, art pieces, computers and other electronic devices and so on. Most of the time, these policies also include the expenses for damaged items and stolen items.
There is another important thing that is included in the policy of a maid insurance in Singapore. It is a 24 hour emergency service. The minimum requirement is one contact detail per employee. If there is more than one contact detail, it is required that each worker has at least one. So if a maid in Singapore falls sick during the middle of the week, she can call her supervisor or contact her employer and have someone reliable and responsible send a replacement to her in Singapore.
On the other hand, some maid insurance policies also include provisions for repatriation expenses in case the domestic helper gets injured while performing her duties in Singapore. This will ensure that she gets the medical treatment and attention she needs regardless of whether she is insured country or not. However, there are also some companies that do not include such provisions in their policies because they think it is an added expense that they can do without. But since the health care industry is growing fast, most of these companies are changing their tune nowadays.
Consider the Type of Work that Your Maid Will Do
Moreover, you should also consider the type of work that your maid does. For example, does she only clean houses or does she also clean hotels and offices? If you only have a physical disability, you can still choose a private health insurance policy that covers accidents at work and personal accident. However, if you have a work-related disability, you better consider taking out a personal accident insurance policy in Singapore.