Maid & Domestic Helper Insurance by FWD provides adequate cover to your maid and gives financial compensation for a number of different situations. This plan is designed to reimburse you for various kind of situations like hiring a new maid or renewing their work permit in Singapore. This insurance will provide cover for your maid as well as your family members.
There are 3 different plans that you can choose from under this insurance. Some of the key benefits that will be provided are as follows:
Here are the details of the cover offered by this insurance plan
|Letter of Guarantee to Ministry of Manpower||S$5,000||S$5,000||S$5,000|
|Accident Compensation||Up to S$60,000||Up to S$60,000||Up to S$60,000|
|Ambulance Charges||Up to S$300||Up to S$300||Up to S$300|
|Repatriation Compensation||Up to S$10,000||Up to S$10,000||Up to S$10,000|
|Funeral Expenses||Up to S$2,000||Up to S$2,000||Up to S$2,000|
|Wage and Levy Expenses||S$30 per day (maximum 30 days)||S$30 per day (maximum 30 days)||S$30 per day (maximum 30 days)|
|Alternative Maid Reimbursement||S$20 per day (maximum 30 days)||S$20 per day (maximum 30 days)||S$20 per day (maximum 30 days)|
|Physical Abuse by Maid||Up to S$5,000||Up to S$5,000||Up to S$5,000|
|Hospital and Surgical Expenses||S$15,000/year||S$20,000/year||S$25,000/year|
|Cover for loss or theft of Maid’s belongings||S$300||S$400||S$500|
You can also choose to go for an additional cover, the details of which are as follows
|Optional benefit||Insured Amount|
|Outpatient Medical benefits||S$300||S$500||S$1,000|
|Hospitalisation and Surgical Top Up||You can choose from an increased cover of S$5,000 to S$30,000|
|Daily Hospital Expenses||Up to S$10/day (maximum 30 days)|
|Home Contents Cover||S$3,000||S$4,000||S$5,000|
|Letter of Guarantee to Philippine Overseas Labour Office||S$7,000|
This section discusses some of the situations this policy does not cover. These exclusions generally apply to all the benefits of the policy, unless stated otherwise. Some of the general exclusions of this policy are as follows:
You can purchase this policy if you fulfil the following conditions:
If you want to make a claim for any situation covered by this policy, you have to submit the form with all the necessary documents within 30 days of the incident. To make a claim, you can contact the customer service team or visit the website and click on the claims portal. Here are some of the documents that you might need to present while making a claim:
If you are not satisfied with this policy and choose to cancel it, you can do so by sending an email to FWD. The cancellation procedure will be initiated only when the clearance has been received from the Ministry of Manpower.
According to the contract duration and when you choose to cancel your plan, you are entitled to a refund of your policy premium. You are entitled to a refund only if you have not made a claim in that time period. An amount lower than S$25 will not be refunded.
If you are cancelling a 26-month contract, you are entitled to a refund of policy premium on the following basis:
You will receive the premium refund on the following basis if you cancel your 14-month contract:
If you have any concerns or queries regarding the policy, you can contact the company in the following ways:
You will receive an acknowledgement of your concern within 3 working days. A full solution to your concern will be provided within 14 working days.