MSIG maid insurance comes under name MaidPlus. MaidPlus is a comprehensive package of benefits covering accidental death or disablement, hospital and surgical expenses, wages and levy reimbursement, repatriation expenses, guarantee bond and other benefits.
MSIG MaidPlus offers maid insurance plan for $267.5 for a period of 26 months. The value ration of benefits to a dollar of the premium is all around the mid-tier average. However, MSIG presents some notable policies that relate to customizing your plan a little more, such as the employer’s responsibility and top-up hospitals.
Personal Accident Cover – MSIG’s MaidPlus offers $60,000 in the personal accident and $1,000 for accidental medical expenses.
Hospital and Surgical Cover – MSIG’s MaidPlus pay up $15,000 for hospital and surgical charges including 90 days’ pre and post hospitalization expenses for diagnostic services and treatment.
Alternative Domestic Help Benefits – MSIG’s MaidPlus reimburse $50 daily for up to 30 days if you require temporary help during the period of your Maid’s hospitalization due to a covered injury or illness.
MSIG has an option in the maid insurance plan that is closest to the average mid-tier plan. However, it impresses on 1 million dollar accountability to the employer’s liability, which is the highest amount available in the market but it covers the domestic helper when she returns home. The purpose of the employer’s liability coverage is to protect you if your maid is ill or injured and decide to pursue legal action against you.
The levels of coverage available are:
- $300,000 for $26.75
- $500,000 for $37.45
- $1,000,000 for $69.55
If you think the basic policy has no protection of liability and you are worried about potential lawsuits from your maid or her family, this option is your best bet for maximum protection.It also provides Additional Hospital & Surgical Expenses Up to $15,000 Sum Insured $53.50 per $5,000 Sum Insured.Aside from employer’s liability, MaidPlus has Insurance Guarantee Bond to the Philippine Overseas Labour Office in Singapore. MSIG will issue a Guarantee Letter as a security bond on your behalf with the Ministry of Manpower (“MOM”). If you need to, they will also send a Guarantee Letter to the Philippine Overseas Labor Office in Singapore (“POLO”) for you. If MOM and/or POLO make a demand as the case may be, MaidPlus first pay and recover any amount paid from you under the terms of the section on Insurance Guarantee Bond.
Moreover, you can also purchase the optional cover for the Waiver of Counter Indemnity in respect of the Letter of Guarantee to MOM, paying only $250 for the excess for your account.
At the occurrence of the incident, contact your agent, your broker Insurance Market or MSIG to assist you and make a police report if there is a fatal or serious injury or evidence of criminal or malicious act involve.You may download a copy of the claim form or request for the form to be sent to you. You should ask the doctor to complete the “Medical Report” section of the claim form if you are sending a claim for medical expenses. Complete the claim form and submit it to all required supporting documents.
You can buy MSIG maid Insurance at Insurance Market .We sell 13 maid Insurance Plans from 6 insurers .