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Sunday, January 15, 2012

Domestic Helper Insurance - Terms and Conditions

By Alice Sy


The provision of domestic helper insurance is one of the requirements set by the government to those seeking for maid services, and this holds true almost anywhere in the world. Aside from this, employers must also provide their maids with salaries that are not below the minimum wage set, food and accommodation.

You may be thinking that this isn't necessary anymore, but your maid is a person like you. She is not a stranger to accidents and risks. In fact, doing her required daily chores can put her in some form of danger. That is why having her covered will not only benefit her, but you, too.

Domestic Helper Insurance takes away your liabilities as employer, and not only that; it also provides cover for accidents sustained by your maid as well as hospitalization expenses. As you must know, an accident may lead to disabilities or even death.

There are many insurance companies that offer a wide range of insurance products, including insurance for house help. Thankfully, you'll be able to access the websites of many of these firms, so you can easily compare one with the others. Obviously, these companies will differ in one way or the other. So in order to choose the right insurance company, take the time to pore over reviews and articles pertaining to the subject. You can also post your inquiries in message boards of groups dealing with domestic helpers.

For the maid to get this type of insurance, she must be 18 years old at the very least and 60 years old at most. She must not exhibit signs and symptoms of any illness that may warrant medical attention in a few months time.

A domestic helper insurance can really be of great help to you. After all, you can never tell if your maid will get into an accident. She can burn her hands while cooking or trip and fall while mopping your floor. At least when such happens to her, you will not be burdened by the responsibility of paying her hospital bills.




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