Purchasing maid insurance has become as easy as buying commodities in your grocery shopping. It would come in different packages. It would offer different policies as well. Based on what you like and need, you would be required to choose the right one.
What to look for in maid insurance
You may come across a number of companies in the industry looking forward to assisting you in maid insurance needs. However, it would be pertinent to mention here that you should be aware of what you need to look for in maid insurance offered by different companies. You would be required to consider the package along with the content of the policies offered by the company. You should look into the credibility of the company in implementing the insurance.
Credibility of the company
It would not be wrong to suggest that credibility of the company would be the major criterion to choose insurance company. A number of big companies would probably live up on their customer’s expectations as compared to new and novice companies. You should check the number of years given by the insurance companies in the business. You should also know how they have been dealing with their clients. Their experience in the industry along with their customer service record would help you determine the credibility of the company.
Scrutinizing the insurance policies
While going through the credibility details of the insurance company, you need to scrutinize the insurance policies offered by the company. Most insurance companies may offer different plans suitable to the domestic helpers needs. The most basic plan would entail compensation and hospitalization in event of accidents. However, you should be aware of other details as well.
Most policies would cover merely the medical insurance of the maid. On the other hand, some would entail dental insurance as well. Several policies would include all kinds of accidents. These may be termed as full or complete insurance. Other details to keep in mind would be service allowance insurance, repatriation expense and more that would be in favour of the domestic helper. However, it would vary from one policy to another.
Policy to be cost effective
Prior to actually buying the policy, you should weigh the policy that would be cost effective to your needs. The cost of buying the policy would be beneficial to the best interest of both the domestic helper and the employer. The policy should offer free relationship between the maid and the employer in event of unfortunate incidences occurring.