In this article, we are going to talk about what are the situations where the maid insurance policy is beneficial. Also, we are going to discuss what are maid and their use also, we will talk about what is maid insurance.
What is a maid, and what are their uses?
Maid is a person who helps the citizens of a country in their daily household work. Maids are also called domestic workers or domestic helpers as they only help you in cleaning your house. Not only cleaning but if a maid knows how to cook, then she might be the one cooking food. So there is a time in a day where she is the one who is going to the market to get all the groceries.
Maid not only is a new concept in the world, but they have been there for a long time. At first, these maids only used to help people in cleaning. Now, there are full-time and part-time maids. The full-time maid will stay with you all day and also will need space in your apartment. The part-time maid is those who will come to work only at a particular time and finish all the work then go.
At first, there was only a need for a part-time maid, but people nowadays are too busy. So they keep a full-time maid who is there in their house all the time for cleaning and cooking. Not only that, she looks after the house, and she will also look after the pets of the employers. The full-time maid will charge more salary per month than the part-time maid. This is because they will stay all day and will do whatever work you assign to them.
They will clean your house. They will cook, they will take your pets for a walk, etc. It is just that you have to name the thing, and they will do it properly without complaining.
What is maid insurance?
This is an insurance policy that is unique due to multiple policies mixed in it. They cover all the different kinds of threats that a person has on their life. Also, they will provide coverage like hospitalization and surgery expense.
Also, the maid insurance is a guarantee made by the employer that all the charges are to be paid by him. This means that the payment of the policy is made by the employer himself before the arrival of the maid.
You can either take domestic maid insurance, foreign domestic worker insurance, and more. It is mentioned in the rules and regulations set by the Ministry of Manpower (MOM). That before the arrival of the maid, they will have to take a policy under their name. Also, certain things should be included in the policy for the maid to get approval.
The only authority to make and change the rules in Singapore about the workers is MOM. All the businesses or employers will have to follow the norms set by the MOM. Those businesses or employers found breaking any of these rules and regulations will be fined and even jailed. It is necessary to take maid insurance in Singapore as in a family both the people are working.
So the maid is alone and has to deal with everything alone also will have to clean the house. This policy is a guarantee that all expenses that occur when a maid is working are covered by the employer.
What is a different situation where this policy is beneficial for both of them?
Below given is a list of situations where this kind of policy is beneficial for everyone.
- When an accident happens
There is coverage of $60,000, which is provided by every policy if any accident happens. Like this accident might kill the maid, disable her or badly injure her. So all this money will be used in her treatment and also the medicines to make the maid feel better.
You should also think about a maid who is out with the baby or pet of the employer just strolling. Suddenly they meet with an accident, and the maid is disabled or hurt while saving them. Then she might need the money for her operation.
- When hospitalization and surgeries are needed
This means that when the maid is sick in the hospital and has been admitted to the ward. This policy is given by every company with their maid insurance and gives you $15,000 per year. This money will be enough to cover the hospitalization and the surgery charges. You can also take critical illness insurance how much is enough according to your own choice.
- When there is some abuse
The number of maids has gone from 180,500 to more than 250,000 in Singapore itself. With this comes the problems of society like theft, murder, and more, etc. This occurs mainly due to poor working conditions and also lack of training by the maid agency.
There are many cases that the maids are being abused by the employer themselves. For this, the police have decided to punish those employers who have done this kind of thing. Nobody should stop until all these problems have been reduced by the rules and regulations. If all the people get together, they can stop any evil from happening in the world.
- When going through termination or rehiring
This charge mainly occurs when the maid’s contract has expired, and she is going. The policy will cover all those charges for the employer to find a new replacement maid. Also, if there is any kind of loss due to the maid leaving, it is also covered in this policy.
- When it’s time to send the maid home
This means that this charge occurs when the maid has completed her terms and is going back. Or it also occurs when the maid is going to her country due to some emergency or disability. The expenses of the ticket, travelling, and also food is covered in this policy cover.