Depending on the plan you have selected, here is the summary of basic coverage for 26 months:
24 hours worldwide cover for death, permanent disablement resulting from an accident. This also includes medical expenses for treatment of accidental injury.
We will pay for conveyance of the maid to her country of origin following an accident, sickness or disease which results in her permanent total disablement as defined under the policy.
Hospital and Surgical Expenses
Reimbursement of all necessary charges incurred by your maid as an in-patient as a result of accidental bodily injury or illness.
Reimbursement of charges incurred in respect of termination of maid's services as a result of being certified by a registered physician or surgeon to be medically unfit to work.
Wages and Levy Reimbursement
China Taiping Insurance will reimburse pro rata wages and levy imposed by the government should you suffer from loss of services from the maid caused by her hospitalization due to an illness or accident.
We will pay for the maid's daily recuperation benefits - during the maid's stay in a hospital as insured under Section 3 - Hospital and Surgical Expenses of this policy.
This security bond replaces the S$5,000.00 security deposit to be submitted to the Controller of Immigration. China Taiping Insurance requires a counter indemnity to be executed by you, the Employer. If you are a foreigner, a local guarantor or registered company is required as a third party guarantor.
|Section||Coverage||SUM INSURED (SGD)|
|Plan 1||Plan 2||Plan 3|
|A) Accidental Death||$40,000.00||$40,000.00||$40,000.00|
|B) Permanent Disability||$40,000.00||$40,000.00||$40,000.00|
|C) Outpatient Medical Expenses||$1,000.00||$3,500.00||$5,000.00|
|3.||Hospital & Surgical Expenses
|5.||Wages & Levy
|NA||$20.00 / Day
Max 60 Days
|$30.00 / Day
Max 60 Days
|6.||Recuperation Benefits||NA||$20.00 / Day||$30.00 / Day|
|8.||Optional Cover (Additional Premium)||# Bond Protector subject to excess of $200|
# Reimburses the insured for the loss of the security bond, if forfeiture due to maid's fault, subject to an excess of $200
What does the Domestic Maid Insurance cover?
The Domestic Maid Insurance provides comprehensive coverage, which includes:
- Personal accident coverage against accidental death, permanent disability and outpatient medical expenses
- Repatriation expenses
- Hospital & surgical expenses
- Termination expenses (exclusive to Plan 2 and Plan 3)
- Wages & levy reimbursement (exclusive to Plan 2 and Plan 3)
- Recuperation benefits (exclusive to Plan 2 and Plan 3)
- Security bond S$5,000
Why does MOM require me to have a 14 or 26 months insurance and bond when MOM only issues a 12 or 24 months work permit? Am I being charged premium for the extra two months of insurance and bond?
This is a MOM requirement. MOM requires all insurance and bond to have an additional two months cover so that in any event / reason the maid overstay in Singapore after her work permit expired, she is still covered under the insurance.
For China Taiping’s Domestic Maid Insurance policy, we charge the premium for a 12 or 24 months period only. We do not charge any additional premium for the additional two months cover.
Can I purchase only the $5,000 Guarantee Bond without the accompanying insurance?
Yes, you may do so.
Do I still need to pay for the $5,000 Security Bond to MOM when I already have purchased the $5,000 Guarantee Bond from China Taiping Insurance?
The $5,000 Guarantee Bond that you purchase with China Taiping Insurance only allows us to act as a guarantor by providing a Letter of Guarantee to MOM on your behalf. This frees you from the need to pay the $5,000 cash up front to MOM when you are applying for a maid.
If you or your maid breaches the rules and conditions set by MOM, MOM will call for the bond from us and we will recover it from you.
If I want to limit my liability on the $5,000 Security Bond, what additional coverage can I take up?
You can take up our Bond Protector. It will limit your liability on the $5,000 Security Bond to $200 instead. This is provided that the breach of the $5,000 Security Bond is not due to your negligence or fault. This is an optional cover and you will need to pay an additional premium for it.
What documents do I need to submit to China Taiping Insurance to buy the Domestic Maid Insurance?
Please provide the following documents for our processing:
- Duly Completed Application Form
- IPA (In-Principal Approval Letter) or Renewal Notice from MOM
- The Copy of Employer’s IC
- The Copy of Witness’s IC
- The Copy of The Third Party Guarantor’s IC, if required
- The Copy of Domestic Maid’s Passport
- Premium Payment
Questions Relating to other Products?
Visit our FAQ section.