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Your domestic worker plays an important role in supporting your household. Therefore, if she falls ill, it can be difficult to get her immediate medical care, pay for her treatment, and find a temporary replacement while she recovers.
Luckily, this is where your FDW insurance comes in to help you deal with expensive medical bills. However, there are limitations and gaps in coverage in maid insurance that can result in unexpected expenses for unsuspecting employers. To help FDW employers manage their domestic workers’ healthcare expenses, we discuss 3 conditions related to your domestic workers’ healthcare insurance and some ways to reduce unexpected healthcare expenses.
1. Hospitalization coverage is limited to the ward and hospital type
If your domestic worker needs to be hospitalized, the ward she is admitted to plays an important role in determining your deductible. Insurance policies for maids fully cover hospital expenses if your FDW is housed in wards B2 or C in public hospitals.
However, if your domestic worker is housed in a B1 station or higher, you will have to pay the rest of the bill. In this case, your excess can range from 30% to 50% of the bill. Also, families who use private hospitals and want their domestic workers to use the same medical team should be careful when choosing their maid insurance plans. While some insurers partially cover hospitalizations in private hospitals, many insurers exclude them from coverage.
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2. Hospitalization abroad is only covered when FDW is traveling with employers
We know that maid insurance provides medical coverage while your employee is in Singapore, but what happens if she is traveling with you or going home on private vacation? In these cases, coverage depends on your insurer. Typically, insurers offer partial coverage if she travels with you.
However, if your FDW goes home on a private vacation, her medical care will be quite limited. While some insurers like NTUC provide some coverage for accidents, others do not provide coverage during your FDW’s personal leave.
Regardless of your insurer’s coverage, it can be difficult to determine your own responsibility for your FDW’s medical care when she is traveling alone. For this reason, you should contact the Ministry of Manpower (MOM) if you need medical assistance.
3. Dental and pre-existing medical conditions not included in the insured medical conditions
Unfortunately, your FDW’s health insurance doesn’t cover every type of illness. For example, pre-existing medical conditions are not covered unless your domestic worker was already insured in Singapore when the condition occurred. Because treating pre-existing medical conditions can be expensive, you should ask about your domestic worker’s medical history before hiring them.
Common medical exclusions
- Dental treatment for tooth, gum or mouth diseases
- Routine physical examinations
- Pre-existing conditions (unless previously insured)
- Non-emergency care outside of the hospital stay
- alcohol or drug addiction
- Choice of plastic or cosmetic surgery
- Braces, prostheses and medical devices
- Traveling to receive medical treatment abroad
- Psychiatric Illnesses
Other common exclusions include routine dental care, outpatient care, immunizations, STD treatment, and psychiatric care. While some exclusions, such as B. Pregnancy, result in a work permit cancellation and no financial obligations on your part, others may require immediate medical attention. For example, anxiety and depression can occur in domestic workers, but their treatment is not covered by insurance. Since you are responsible for 100% of the medical bill in these cases, it might be helpful to set up an emergency healthcare fund to avoid going into debt for your FDW’s healthcare costs.
Here’s how to save on your FDW’s health care expenses
Regardless of the severity of your FDW’s illness, it is your responsibility as an employer to pay for their medical care. However, because medical care is expensive even with insurance coverage, paying for one additional person’s health care can become a burden for families. Luckily, there are a few ways to reduce your domestic worker’s healthcare bills.
First, employers can look for outpatient clinics that offer discounts for FDWs. Alternatively, if you don’t have time to compare different medical providers, you can sign up HealthPal, which offers subsidized medical care at dozens of clinics for your FDW for as little as S$24 a year. This includes S$13 GP consultations, S$80 specialist consultations and S$70 tooth polishing and scaling, saving employers 48% on their FDW’s medical bills.
Employers experiencing financial hardship may consider making appointments for their FDWs with the Humanitarian Organization for Migration Economics (HOME), which offers free dental care. However, because the waiting list is typically several months, HOME appointments are recommended for procedures that do not require urgent care (e.g., non-emergency fillings).
Another way to save money on your employees’ household expenses is to prioritize prevention. Preventive services such as vaccinations are usually cheaper than the cost of treatment. You should also ensure your FDW eats healthy meals and engages in physical activity to reduce the risk of heart disease and diabetes – two fairly common critical illnesses in Singapore, which are both expensive and require long-term treatment.
The item 3 Home Help Insurance Terms You Need to Know to Save on Your FDW Medical Expense originally published on originally published on ValueChampion blog.
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