Protect long-term domestic maids with an insurance plan that covers personal injury, surgery and hospitalisation.
This policy covers:
- Personal Accident - Death and Permanent Disablement
- Hospital and Surgical Expenses
- Repatriation Expenses
The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Berjaya Sompo Insurance Berhad or PIDM (visit www.pidm.gov.my)
Domestic maids who are aged from sixteen (16) to sixty-five (65) years old and employed in Malaysia with valid work permit.
- Provides a lump sum benefit of RM35,000 in the unfortunate event of accidental death.
- Provides a lump sum benefit as outlined in the Permanent Disablement Scale for cases of permanent disablement resulting from an accident.
- Provides coverage for medical, surgical, and hospital expenses, reimbursing the insured for up to RM3,000.
- Covers repatriation expenses up to RM4,500 for the insured or their legal personal representative.
Additional Information
General Exclusions
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.
Scale of Permanent Disablement Benefits
| Description of Disablement | Percentage of Benefit Payable | |
| Total and Permanent Disablement following the insurred's occupational employment or pursuits | 100% | |
| 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 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% | |
| Below Knee | 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% |
| One phalanx | 10% | |
| Loss of index finger | Three phalanges | 10% |
| Two phalanges | 8% | |
| One phalanx | 4% | |
| Loss of other fingers | Three phalanges | 6% |
| Two phalanges | 4% | |
| One phalanx | 2% | |
| Loss of all toes on one foot | 15% | |
| Loss of great toes | Two phalanges | 5% |
| One phalanx | 2% | |
| Loss of other toe | 2% | |
| Loss of hearing | Both ears | 75% |
| One ear | 15% | |
| Loss of speech | 50% | |
