Get answers to common questions about maid insurance, coverage options, claims process, and requirements.
Maid insurance is a specialized insurance policy that provides medical coverage, personal accident protection, and other benefits for domestic helpers. It's typically required by law in most countries that employ foreign domestic workers.
Yes, most countries require employers to provide insurance for their domestic helpers. For example, Singapore requires minimum $15,000 medical and $60,000 personal accident coverage, while Hong Kong requires minimum HK$400,000 for both medical and accident coverage.
Costs vary by country and coverage level. Basic plans typically start from $200-300 annually in Singapore, HK$2,500-3,500 in Hong Kong, RM 800-1,200 in Malaysia, and AED 1,500-2,500 in UAE.
Standard coverage includes medical expenses, personal accident benefits, repatriation expenses, and emergency assistance. Premium plans may also include dental benefits, maternity coverage, and extended medical limits.
Most policies exclude pre-existing conditions or have a waiting period (typically 6-12 months). However, some providers offer coverage for pre-existing conditions with higher premiums.
Basic plans usually exclude pregnancy-related expenses. However, some comprehensive plans include maternity benefits with specific sub-limits and waiting periods.
Contact your insurance provider immediately when an incident occurs. Most providers have 24/7 claim hotlines. You'll need to submit claim forms, medical reports, and receipts within the specified timeframe (usually 30-90 days).
Simple claims are typically processed within 5-14 working days once all required documents are received. Complex cases may take longer depending on the nature of the claim.
Most policies allow treatment at any licensed medical facility. However, using the insurer's panel hospitals often provides cashless treatment and faster claim processing.
Singapore requires minimum $15,000 medical coverage and $60,000 personal accident coverage for all foreign domestic workers. The policy must be valid for the entire work permit period.
Hong Kong requires minimum HK$400,000 each for medical and personal accident coverage. The policy must cover the helper for the entire contract period and include repatriation expenses.
Malaysia requires adequate medical and accident coverage (typically minimum RM 50,000 each) plus repatriation expenses. Requirements may vary by state and immigration office.
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