Etiqa Insurance For Domestic Helper

Etiqa Insurance For Domestic Helper: Comprehensive Protection for Your Home Helper

As a homeowner who employs a domestic helper, it is crucial to ensure that your helper is protected and covered by insurance. Not only is it a legal requirement under Singapore’s Ministry of Manpower regulations, but it also provides peace of mind knowing that your helper is protected against unexpected accidents and illnesses that may occur while they are working for you.

Etiqa Insurance is a leading insurance provider in Singapore that offers comprehensive insurance coverage for domestic helpers. In this article, we will explore everything you need to know about Etiqa Insurance for Domestic Helpers, including the benefits and coverage options available, making it easier for you to make informed decisions when it comes to your helper’s protection.

What is Etiqa Insurance for Domestic Helpers?

Etiqa Insurance for Domestic Helpers is a comprehensive insurance policy designed to cover your domestic helper’s medical expenses and protect them against accidents or illnesses that may occur while they are working for you. This insurance policy is mandatory for all employers in Singapore who employ a foreign domestic helper or a maid.

Etiqa Insurance for Domestic Helpers is available in two types of plans- Basic plan and Enhanced plan. Both policies offer basic coverage for medical expenses, personal accidents, and liability, while the Enhanced plan offers additional coverage, including hospitalization and surgery, critical illnesses, and repatriation.

Benefits of Etiqa Insurance for Domestic Helpers

1. Medical Coverage

Etiqa Insurance for Domestic Helpers covers medical expenses for outpatient and inpatient treatments. The plan will cover the expenses of medical consultations, hospitalization, and surgery, including expenses for diagnostic tests, X-rays, and prescribed medications.

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2. Personal Accident Coverage

The policy provides personal accident coverage for your domestic helper, which includes death or permanent disability due to an accident. The policy also covers loss of limbs, eyesight, and hearing due to an accident.

3. Liability Coverage

Etiqa Insurance for Domestic Helpers covers your liability for any accidental injury or death caused to your domestic helper while working for you. The policy will cover the expenses for any legal liability claims or lawsuits filed against you.

4. Additional Coverage

The Enhanced plan offers additional coverage, including hospitalization and surgery, critical illnesses, and repatriation. This additional coverage provides more comprehensive protection for your domestic helper in the event of any unexpected medical emergencies.

Coverage Options Available with Etiqa Insurance for Domestic Helpers

1. Basic Plan

Etiqa Insurance for Domestic Helpers Basic Plan provides basic coverage for medical expenses, personal accidents, and liability. The policy also covers expenses for repatriation due to medical emergencies or death. The policy covers a maximum of $15,000 for medical expenses, $60,000 for personal accidents, and $5,000 for liability claims.

2. Enhanced Plan

The Enhanced plan provides additional coverage, including hospitalization and surgery, critical illnesses, and repatriation. The policy covers a maximum of $30,000 for medical expenses, $120,000 for personal accidents, and $10,000 for liability claims. The policy also covers expenses for hospitalization and surgery due to accidents or illnesses, as well as critical illnesses such as cancer, heart attacks, and strokes.

How to Purchase Etiqa Insurance for Domestic Helpers

Employers can purchase Etiqa Insurance for Domestic Helpers online or through a licensed insurance agent. To purchase the policy online, visit the Etiqa Insurance website and fill in the required details, such as your domestic helper’s particulars and the coverage option you require. The policy will be activated once the payment is made, and the policy details will be sent to your registered email address.

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Conclusion

In conclusion, Etiqa Insurance for Domestic Helpers is a comprehensive insurance policy designed to protect your domestic helper against unexpected accidents and illnesses while working for you. The policy provides coverage for medical expenses, personal accidents, and liability, with the option to add additional coverage to the Enhanced plan. As a responsible employer, it is essential to ensure that your domestic helper is covered by insurance, and Etiqa Insurance for Domestic Helpers provides the necessary protection to ensure your helper’s welfare.