Domestic helper insurance in some countries is required by law. This is an automatic protection of domestic helpers against financial helplessness from any unwanted sickness and damages from accidental injuries during time of employment. Despite common understanding that this type of insurance is beneficial only to the maid, it is actually the employers who will benefit more in the long run. If you’re planning to have your maid insured, here is the ideal coverage of the perfect plan you might want to ensure.
What should the coverage include? There are many types of insurances offered. There are the basic types which cover basic expenses such as coverage fees or reimbursements for hospitalization and accidental damages involving the maid. But some plans go beyond the basic. A third party who gets involved in the damages caused by the helper may also be covered.
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.
What about the special benefits in a plan? This should involve coverage of the re-hiring fee for the employer in case the helper may suddenly be incapable of working. Moreover, if you decide to hire a new maid, the insurance plan must be transferrable without delays and additional payments.
A domestic helper insurance plan is assurance not just for the maid but for the employer as well. It gives both parties a sense of well being to work with each other which can result to better productivity and an open relationship. An insured worker is a happy and trustful worker, with a future that’s assured for everyone.
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