Securing domestic helper insurance for your maid is a good step in securing not just your maid's future but yours as well. In some constitutions, obtaining insurance for maids is mandatory and it's not surprising why. Maids, especially foreign workers, are employers who are financially helpless when it comes to sudden accidents and hospitalizations. Their employers are their only hope for survival. Insurance for maids then becomes indispensable not just for the helper but for the employer as well. The insurance plan to choose then is one that should cover many critical points.
Health Coverage Many insurance plans have varying inclusion when it comes to medical expenses. To be sure, get the plan that has extensive hospitalization coverage. That may include shouldering the cost of hospitalization after an accident or injury. This includes reimbursements of fees and not just specific daily allocation of expenses. Medical check-ups of all types must also be considered in the plan without any exception to all diseases.
The domestic Helper Insurance must be checked thoroughly for the hospitalization clause. This one can be tricky. You may want to ask around what cases are covered for some Insurance plans for up to now some plans do not shoulder fees for treatment of communicable diseases like tuberculosis.
Special Value The competition in the Insurance industry may also be stiff. Some would offer extra benefits aside from the usual plan. If the maid leaves the household for any reason, the employer is assured to reimburse the agency hiring fee or get a replacement for free. In addition to coverage of lost or damaged property caused by the maid upon leaving, the insurance plan may also be transferred to the new household helper.
Securing a domestic helper insurance plan is a practice of responsibility. Maids are after all just like any other employees and with the nature of their work, they should be the ones always insured. If you decide to insure your maid you are going beyond the benefit of free liability but you are fostering a professional relationship with trust and responsibility.
Health Coverage Many insurance plans have varying inclusion when it comes to medical expenses. To be sure, get the plan that has extensive hospitalization coverage. That may include shouldering the cost of hospitalization after an accident or injury. This includes reimbursements of fees and not just specific daily allocation of expenses. Medical check-ups of all types must also be considered in the plan without any exception to all diseases.
The domestic Helper Insurance must be checked thoroughly for the hospitalization clause. This one can be tricky. You may want to ask around what cases are covered for some Insurance plans for up to now some plans do not shoulder fees for treatment of communicable diseases like tuberculosis.
Special Value The competition in the Insurance industry may also be stiff. Some would offer extra benefits aside from the usual plan. If the maid leaves the household for any reason, the employer is assured to reimburse the agency hiring fee or get a replacement for free. In addition to coverage of lost or damaged property caused by the maid upon leaving, the insurance plan may also be transferred to the new household helper.
Securing a domestic helper insurance plan is a practice of responsibility. Maids are after all just like any other employees and with the nature of their work, they should be the ones always insured. If you decide to insure your maid you are going beyond the benefit of free liability but you are fostering a professional relationship with trust and responsibility.
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