Most governments require employers the provision of domestic helper insurance to their house helps, aside from the basic salary, food, and accommodation.
Before you dismiss the idea as insane, remember that the maid whose services you hire is not exempted from risks. In fact, she may be more at risk than you are, so it only makes sense to have her covered. It's not just for her benefit, actually, but you as employer, will be able to benefit from the product, too.
Domestic Helper Insurance provides full coverage on your liabilities as employer. At the same time, it also covers personal accidents that may result to disabilities or death, and hospitalization expenses.
Quite a lot of insurance companies offer this type of insurance specific to domestic helpers. Most of these companies have websites that you can view conveniently in the comfort of your home. Take time to go over these sites, comparing notes. If you are overwhelmed by all the information, you should spend time reading over reviews and write-ups about these companies. Another idea is to join certain groups or communities and participating in their discussions of insurance companies and products.
You must know, though, that not everyone is entitled to this kind of insurance. The general requirement is that the maid should not be below 18 years old or above 60 years old. She must also be at the peak of health, meaning she does not require immediate medical treatment.
Don't ever presume that nothing bad is ever going to happen to your maid because she is exposed to risks of any kind every day. She can trip and fall, experience food poisoning, or something else while in the conduct of her duty. With domestic helper insurance, it should give you a lot of confidence to know that you will not have to deal with all the expenses yourself.
Before you dismiss the idea as insane, remember that the maid whose services you hire is not exempted from risks. In fact, she may be more at risk than you are, so it only makes sense to have her covered. It's not just for her benefit, actually, but you as employer, will be able to benefit from the product, too.
Domestic Helper Insurance provides full coverage on your liabilities as employer. At the same time, it also covers personal accidents that may result to disabilities or death, and hospitalization expenses.
Quite a lot of insurance companies offer this type of insurance specific to domestic helpers. Most of these companies have websites that you can view conveniently in the comfort of your home. Take time to go over these sites, comparing notes. If you are overwhelmed by all the information, you should spend time reading over reviews and write-ups about these companies. Another idea is to join certain groups or communities and participating in their discussions of insurance companies and products.
You must know, though, that not everyone is entitled to this kind of insurance. The general requirement is that the maid should not be below 18 years old or above 60 years old. She must also be at the peak of health, meaning she does not require immediate medical treatment.
Don't ever presume that nothing bad is ever going to happen to your maid because she is exposed to risks of any kind every day. She can trip and fall, experience food poisoning, or something else while in the conduct of her duty. With domestic helper insurance, it should give you a lot of confidence to know that you will not have to deal with all the expenses yourself.
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