Features & Benefits
Personal Accident & Hospitalization Benefits
Your domestic helper’s health is our priority
Receive pay out up to S$100,000 as financial protection in the event of an unforeseen accident, resulting in your domestic helper’s death or a permanent disability. In addition, get covered up to S$80,000 if your helper is hospitalized due to illness or injury.
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Outpatient Medical & Dental Benefit
Enjoy subsidized consultation/ treatment fee at our panel of clinics
Your domestic helper can enjoy subsidized consultation/treatment at our panel of General Practitioner and Dental clinics located island-wide. This means more savings for employers.
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Waiver of Co-payment
Covers the 25% co-payment payable by an employer
We will waive the 25% co-payment for hospital & surgical expenses when your domestic helper is covered under our Enhanced Plan & above, up to the benefit limit.
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Alternative Maid Services
Assurance to provide temporary assistance for your daily needs during your domestic helper’s hospitalization
Get covered up to S$6,000 to hire temporary help if your helper is hospitalized due to an injury or illness.
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Enhanced Medical Benefits
Get critical illness coverage for your domestic helper
Additional $10,000 for hospital and surgical expenses when you add-on our Enhanced Medical Benefits.
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6-Monthly Medical Examination
Optional
Save with us on each mandatory medical examination when your domestic helper does the tests at our panel clinics.
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Learn more about the coverage:
| Sections | Coverage | Maximum Benefit Payable (S$) | |||||
|---|---|---|---|---|---|---|---|
| Basic | Enhanced | Premier | Exclusive | ||||
| 1. | Personal Accident | ||||||
A. Accidental Death |
60,000 | 70,000 | 80,000 | 100,000 | |||
B. Permanent Disablement |
60,000 | 70,000 | 80,000 | 100,000 | |||
C. Accident Medical Reimbursement
|
1,000 | 2,000 | 3,000 | 5,000 | |||
• Clinical Visit |
per visit | 50 | 75 | 100 | 200 | ||
• Dental |
per accident | - | 100 | 250 | 400 | ||
• Ambulance Fee |
per year | - | 100 | 100 | 100 | ||
• Treatment by Chinese Physician |
per accident | - | - | 100 | 200 | ||
• Physiotherapy |
per year | - | - | 250 | 300 | ||
| 2 | Hospital & Surgical Expenses • Annual Limit # • Hospital Cash
|
per day (up to 30 days) |
60,000 -
|
60,000 20
|
80,000 30
|
80,000 50
|
|
| 3. | Waiver of Co-Payment for Hospital & Surgical Expenses
|
- | Covered | Covered | Covered | ||
| 4. | Wages & Levy Reimbursement
|
per day (up to 30 days) |
- | 40 | 50 | 60 | |
| 5. | Alternative Maid Services
|
per day (up to 30 days) |
- | 100 | 150 | 200 | |
| 6. | Replacement Maid Expenses
|
200 | 300 | 500 | 600 | ||
| 7. | Repatriation Expenses
|
10,000 | 10,000 | 10,000 | 10,000 | ||
| 8. | Family Grant
|
- | 2,000 | 3,000 | 5,000 | ||
| 9. | Insurance Guarantee Bond (to Ministry of Manpower)
|
5,000 | 5,000 | 5,000 | 5,000 | ||
| 10. | Liability to Third Parties
|
- | 3,000 | 5,000 | 7,000 | ||
| 11. | Maid Personal Belongings
|
- | 1,000 | 2,000 | 4,000 | ||
| 12. | Home Contents
|
5,000 | 10,000 | 15,000 | 30,000 | ||
| OUTPATIENT PRIVILEGES FOR HELPER | |||||||
Outpatient Medical
|
- | Included | Included | Included | |||
Outpatient Dental
|
- - |
Waived Included |
Waived Included |
Waived Included |
|||
| PREMIUM RATES (with GST) | |||||||
| 14 Months (aged 50 & below) | 386.80 | 424.90 | 445.30 | 528.00 | |||
| 14 Months (aged 51 & above) | 1,071.70 | 1,121.00 | 1,145.90 | 1,228.60 | |||
| 26 Months (aged 50 & below) | 502.40 | 551.80 | 578.30 | 685.60 | |||
| 26 Months (aged 51 & above) | 1,391.80 | 1,455.80 | 1,488.10 | 1,595.50 | |||
| OPTIONAL COVERAGE PREMIUM RATES (with GST) | |||||||
| 13. | Waiver of Counter Indemnity (Excess $250)
|
54.00 | |||||
| 14. | Enhanced Medical Benefits • Aged 50 & below 26 Months • Aged 50 & below |
81.00
105.00
|
|||||
| A. | Additional Hospital & Surgical Expenses (Add-on to the annual limit under Section 2) | 10,000 Per year | |||||
| B. | Critical Illness (Major Cancers, Heart Attack, Stroke, CABP, Kidney Failure) | 10,000 | |||||
| C. | Mobility Aid Reimbursement # (for purchase of mobility aid equipment such as wheelchairs and crutches as prescribed by a certified doctor ) | 500 Per year | |||||
| D. | Free Medical Tele-Consultation * (3 times for Employer | 3 times for your helper | Per year | |||||
Six-Monthly Medical Examination (MOM) *
• Up to 2 times (14 Months policy) |
|
||||||
# Reimbursement Basis
+ Please refer to www.hlas.com.sg, for the full panel of clinics. Terms & Conditions apply.
* Please refer to the email from HLAS' partner for details if you have purchased the Enhanced Medical Benefits.
Requirements:
- The applicant must be at least 18 years of age as of your last birthday
Disclaimers
Maid Protect360 is underwritten by HL Assurance Pte. Ltd. (“HL Assurance”) and distributed by HL Bank Singapore (“HL Bank”). It is not an obligation of, deposit in or guaranteed by HL Bank. This is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy wordings and will be sent to you upon acceptance of your application by HL Assurance.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance or visit the General Insurance Association or SDIC websites.
