If you are a full-time worker and have no time for your house, it will be best if you own a home. Different countries have different rules and regulations, but if you are talking about Singapore, it is necessary to purchase a Maid insurance plan for your domestic helper. Through this, you can also protect yourself as well as your family. It will also provide benefits to your helper. With this, they are assuring themselves that they are in safe hands.

If you don’t know about the companies, then you can search for them online. The Ministry of human resources sets this policy in Singapore. According to the policy, if you are an employer of a domestic helper, you should purchase maid insurance. It is neces1sary that the policy contains $60000 as personal accident coverage and covers medical expenses up to $15000.

Clamming Domestic Maid Insurance

• Medical Expenses:

If your domestic helper is suffering from any medical issue, the company will help them. There are 2 cases which may happen, which is mentioned below:

• Hospitalisation and Operational Expenses:

If your maid is in the hospital because of illness or because of an accident, then the policy covers all the costs of the hospital. This policy covers emergency hospitalisation if your maid is traveling along with you and your family. The company also provides the wages of your maid in the period of her hospitalisation.

Process Of Claim

You can file a grievance by log on to the website, or you can call them. Here you can learn about the process through which you can do this.

• You can download the claim form or claim copy which is sent to you by the company.
• You should request the doctor to complete the medical report section if you submit a claim against medical expenses.
• Complete the form and submit the claim form by attaching the related documents.

Documents Which You Should Attach:

• The bills of medical.
• Levy statement.
• The monthly salary reports all the necessary medical reports with a discharge summary.
• Receipt of a temporary domestic helper.

Expenses Due To Accidents

If your domestic helper has an accident, then he/she will get the cashless treatments if she visits the clinic, which is approved by the third party administrator. You should choose the MoneyIQ, who will help you with these matters. You can claim for it if when a domestic helper is traveling with your family. To file a claim, you should follow the necessary steps.

• You have to download the claim copy or file sent to you by the company.
• You should request the doctor to complete the medical reports so that you can attach it with your claim report.
• Complete the form and submit the claim form by attaching the related documents.

Documents Which You Should Attach:

• The medical bills and medical reports.
• Flight itinerary if you are an overseas outpatient.
• The monthly salary report.

Personal Accidents

If your maid dies because of a severe accident, the company will offer benefits according to the maid insurance policy. For this, you have to talk with the representative and claim a file by following the below details.

• You have to download the claim copy or file sent to you by the company.
• You should request the doctor to complete the medical reports so that you can attach it with your claim report.
• Complete the form and submit the claim form by attaching the related documents.

Documents Which You Should Attach:

• Post mortem report of the helper
• Police investigation report
• Death certificate
• Doctor’s statement
• The helper’s passport and work permit document
• Burial certificate if he or she is dead outside Singapore.

Permanent Disability

If your maid has an accident and suffers from a permanent disability, the company will pay the benefits. They will offer them the benefits which are suitable for them. To get the benefits, you have to file a claim which is mentioned below:

• You should download the claim copy or file sent to you by the company.
• You have to request the doctor to check the medical reports so that you can attach it with your claim report.
• Complete the form and submit it by attaching the documents.

Documents Which You Should Attach:

• The medical reports.
• Disability certificates.
• The police investigation report, if required.

Repatriation Expenses

If your maid and helper suffer from any severe health issue and need to go home, then according to the policy, they will get the payments for transportation. If you are going through such conditions, you can claim a file against it by following the steps.

• You have to download the claim copy or file sent to you by the company.
• You should request the doctor to complete the medical reports so that you can attach it with your claim report.
• Complete the form and submit it.

Documents Which You Should Attach:

• Medical reports
• Expenses related to sending him/her to the home

Funeral Grant:

If your maid passes away, then the company will pay the funeral grant expenses. To get more information, you can visit the representative. For getting this, you have to file a claim.

• You have to download the claim copy or file sent to you by the company.
• You should request the doctor to complete the medical reports so that you can attach it with your claim report.
• Complete the form and submit it.

Documents Which You Should Attach:

• Death certificate
• Work permit
• Legal representative passport

Other Benefits

With this policy, a helper will also get benefits in some other fields like ambulance fees, Rehiring expenses, and damage or theft of maid’s belonging. Some companies also provide some additional benefits like daily hospital allowance, Home content covers, and outpatient medical costs and all. Some companies also provide the six-month medical examination package to the helper or maid.

Conclusion

So, by reading the following points, now you will clearly understand the things about clamming. Soon you can easily file a claim against the above-described situation to get financial help in such conditions.