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MaidEase - A Domestic Maid Insurance Plan
Benefits For The Employer
Benefits For The Maid
Schedule Of Benefits
Premium Table
Optional Covers

MaidEase brochure   Enhanced ( with effect from 1 Jan 2010 )


Our MaidEase Insurance Package helps you to be more than a responsible employer! Specially designed with you and your domestic maid in mind, this package presents a wide range of benefits at the most reasonable rates.


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BENEFITS FOR THE EMPLOYER

INSURANCE GUARANTEE
With the Letter of Guarantee, you need not place a physical S$5,000 security deposit with the Ministry of Manpower.

WAIVER OF INDEMNITY
Limits your liability to S$250 (instead of S$5,000) when you are required to reimburse Tenet Insurance due to the maid's unexplained disappearance not caused by your deliberate act or omission:

REPATRIATION EXPENSES
We cover you for reasonable expenses incurred for conveyance of your maid to her home country upon Accidental Bodily Injury, Sickness or Disease of whatsoever nature or suicide.

HOSPITAL & SURGICAL EXPENSES ( including 90 days pre and post hospitalisation treatment )
We will reimburse you for Hospital and Surgical expenses including Day Surgery expenses incurred in a Class C/B2 ward of a Singapore government hospital or restructured hospital if your maid is hospitalised due to an accident or sickness for up to 45 days per disability. Exclude expenses incurred for illness during the first 14 days from validity date of work permit.

WAGES COMPENSATION & LEVY REIMBURSEMENT
We cover you against financial loss for the Domestic Maid’s wages as well as the government levy payable when the Domestic Maid is hospitalised due to accident, sickness or disease.

TERMINATION EXPENSES*
We cover you for expenses incurred in respect of termination of your maid's services due to her permanent total disability or inability from attending to any occupation or employment as a result of an accident, sickness or disease of whatsoever nature.

DOMESTIC HELPER LIABILITY
We cover your legal liability to compensate a third party for accidental bodily injury or accidental property damage as a result of your maid’s negligence in the course of her employment with you in Singapore

RE – HIRING EXPENSES
We will reimburse you for the agency fees incurred in hiring a replacement domestic maid as a result of termination of services due to Death or Permanent Disablement arising from accident or illness provided that the replacement is made within 30 days from date of termination.

(*) Only for selected plan, please refer to Schedule of Benefits for details.

BENEFITS FOR THE MAID

PERSONAL ACCIDENT
Provides your maid a worldwide and 24-hour coverage for accidental death or permanent disablement, including medical expenses arising from accident.

Outpatient treatment by Chinese Physicians and Treatment for Dengue Fever and Ambulance Services *

RECUPERATION BENEFIT ( in hospital )*
A daily recuperation allowance is payable to your maid if she is hospitalised provided that a valid claim is also made under Hospital & Surgical Expenses section.

DREAD DISEASES*
Provides a lump sum payout to your maid on 1st confirmed diagnosis of any one of the following covered dread diseases

  • Major Cancers
  • Kidney Failure
  • Heart Attack
  • Coronary Artery Bypass Surgery
  • Stroke
  • Major Organ / Bone Marrow Transplant

DOMESTIC HELPER’S BELONGINGS
Your maid will be covered for loss or damage to her personal effects contained in your home caused by fire & related perils including theft following forcible/ violent entry.

(*) Only for selected plan, please refer to Schedule of Benefits for details.

SCHEDULE OF BENEFITS
Section
Deluxe
Superior
1. Worldwide Personal Accident
(i) Death or
S$40,000
S$50,000
  Death from Home Accidents sustained in Insured’s Residence
S$42,500
S$55,000
(ii) Permanent Disablement
S$40,000
S$50,000
(iii) Medical Expenses including
S$1,000
S$2,500
  -Dental Treatment resulting from injury due to an accident
S$1,000
S$2,500
  -Treatment by Chinese Physicians
S$100
S$250
  -Treatment for Dengue Fever
S$100
S$250
  -Ambulance Services
S$100
S$100
2. Repatriation Expenses including in the event of suicide
S$10,000
S$10,000
3. Hospital & Surgical Expenses in Singapore including
-Day Surgery
-90 days Pre and Post-Hospitalisation
-Ambulance services upto S$100
-Medical Report Fees upto S$100
S$30,000
Subject to S$15,000
per annum
S$40,000
Subject to S$20,000
per annum

4.

Wages Compensation & Levy Reimbursement (up to 60 days)
S$15/day
S$30/day
5. Termination Expenses
N.A
S$300
6. Recuperation Benefits for each day of hospitalisation (up to 60 days)
N.A
S$20/day
7. Domestic Helper Liability
S$2,500
S$5,000
8. Dread Disease
N.A
S$2,000
9. Re – Hiring Expenses
S$250
S$500
10. Domestic Helper’s Belongings
S$250
S$500
11. Letter of Guarantee to the Ministry of Manpower
S$5,000
S$5,000
12. Waiver of Counter Indemnity for Section 11 - Letter of Guarantee
S$5,000 subject to excess of S$250
PREMIUM TABLE (EXCLUDE GST)
Section
Deluxe
Superior
Insurance Benefits only (1 to 10)
S$210
S$265
Insurance + Letter of Guarantee to the Ministry of Manpower (1 to 11)
S$255
S$310
Insurance + Letter of Guarantee to the Ministry of Manpower + Waiver of Counter Indemnity (1 to 12)
S$305
S$360
OPTIONAL COVERS
 
LIMITS
PREMIUM  
13. Letter of Guarantee to Philippines Embassy (as required by the Philippines Overseas labour Office)
a) S$2,000
b) S$7,000
a) S$45
b) S$75


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