Domestic Maid is the insurance plan specifically designed for an Employer to purchase insurance for their domestic maids.
From age 16 to 60 years old and renewal up to 70 years old.
Pays lump sum of RM15,000 in the event of accidental death.
Pays lump sum as specified in Permanent Disablement Scale in the event of permanent disablement as a result of an accident.
Workers (Domestic Maid) Scale of Permanent Disablement Benefits
|SCALE OF PERMANENT DISABLEMENT BENEFITS|
|Description of Disablement
||Percentage of Benefit B Payable|
|Total and Permanent Disablement following the Insurred's occupational employment or pursuits
|Total, Permanent and Irreversible:|
|Loss of two limbs||100%|
|Loss of both hands or of all fingers and both thumbs||100%|
|Total loss of all sights in both eyes||100%|
|Loss of arm at shoulder||100%|
|Loss of arm between shoulder and elbow||100%|
|Loss of arm at elbow||100%|
|Loss of arm between elbow and wrist||100%|
|Loss of hand at wrist||100%|
|Loss of leg||At hip||100%|
|Between knee and hip||100%|
|Loss of all sight in one eye||100%|
|Loss of all sight in one eye except perception of light||50%|
|Loss of lens of one eye||50%|
|Loss of four fingers and thumb of one hand||50%|
|Loss of four fingers||40%|
|Loss of thumb||Both phalanges||25%|
|Loss of index finger||Two phalanges||10%|
|Loss of other fingers||Three phalanges||6%|
|Loss of all toes on one foot||15%|
|Loss of great toes||Two phalanges||5%|
|Loss of other toe||2%|
|Loss of hearing||Both ears||75%|
|Loss of speech||50%|
Pays up to RM3,000 to the Insured for medical, surgical, and hospital expenses incurred in respect of hospital confinement as a result of sickness, disease, and accidental injuries.
Pays up to RM4,500 to the Insured or their legal personal representative in respect of repatriation expenses (defined below) if during the Period of Insurance the Insured shall sustain bodily injury or sickness resulting in Death or Permanent Disablement within 12 calendar months of the accident or sickness.
Definition of Repatriation Expenses
- The expenses incurred in the transportation of the Insured to her home state or country following an accident or sickness which results in her Total and Permanent Disablement as certified by a qualified and registered medical practitioner following her occupational employment or pursuits.
- The expenses incurred in burial or cremation costs and/or transportation of the remains to her home state or country.
The policy does not cover war risks, existing physical or mental defects, suicide, self-injury, participation in a criminal act, professional sports, racing of any kind (other than on foot), caving, parachuting, hang-gliding, hunting, mountaineering requiring ropes or guides, traveling as an aircraft crew, aerial activities, martial arts, radiation or contamination by radioactivity, and nuclear weapons material.
This brochure is not a contract of insurance. The descriptions of the available covers are only brief summaries for quick and easy reference. The precise terms and conditions that apply are stated in the policy.