Buying domestic helper insurance is as easy as purchasing commodities in a grocery. It comes in different packages offering different policies. Depending on what you like and what you need, all you have to do is choose.
Domestic helper insurance offers different packages containing various policies. It is very important to carefully consider which package is right for you and your maids. And with all these fast emerging insurance companies, making a choice can be confusing. In this regard, the credibility of the insurance company matters a lot.
Buying domestic helper insurance from a reputable company is advisable. Reputable domestic helper insurance companies take closer look on the needs of the clients and know how to take care of them. They prepare policies that would create maximum benefits for both the domestic helpers and their employers.
Policies are the most important thing to look for in buying domestic helper insurance. The policies contain which items are covered by the domestic helper insurance. Attractive packages that suit everyone’s needs are available. Standard domestic helper insurance covers medical and hospitalization fee. Check which domestic helper insurance plan is right for you.
Some policies cover just the medical insurance of the domestic helper, while some include the dental insurance. There are policies which cover all types of accidents, oftentimes called full protection, and there are some which clearly indicates exclusions from the plan coverage. Other details like repatriation expense, service allowance insurance, etc. in favor of the domestic helper vary from one insurance policy to another.
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Protection of employers from theft and fraud are also covered by domestic helper insurance. The employer can complain unauthorized use of International Direct Dialing system and can recover any loss from the insurance company. Premiums can also be included in case his domestic helper is repatriated or suffers illnesses and accidents.
Before buying a domestic helper insurance, it is necessary to weigh which policy is cost efficient and appropriate. The cost of buying the policy should be beneficial to the best interest of both the domestic helper and the employer. It should offer a worry free relationship between both parties especially during unfortunate events.
The conditions and terms of agreement before buying domestic helper insurance should be understood. It is very important that both parties know their rightful claims in case something occurs. This is the very purpose of having domestic helper insurance.
Alice Sy has extensive experience in the recruitment/placement of domestic helper. Visit the top domestic helper agency Hong Kong for free profiles and photos and contact us for the best way to hire your next live-in maid, nanny, housekeeper, driver, gardener and more.