Your domestic worker plays an important role in supporting your household. That’s why when she falls ill, it can be a scramble to get her prompt medical attention, pay for her treatment and find a temporary replacement while she recovers. Luckily, this is when your FDW insurance comes in and helps you deal with costly medical bills. However, there are limitations and coverage gaps in maid insurance that can result in surprise out-of-pocket costs for unsuspecting employers. To help FDW employers manage their domestic worker’s healthcare costs, we discuss 3 conditions surrounding your domestic worker’s healthcare coverage and provide a few ways to reduce unexpected healthcare spending.

1. Hospitalisation Coverage is Limited to Ward & Hospital Type

If your domestic worker needs to be hospitalised, the ward she gets admitted to will play an important role in determining your out-of-pocket costs. Maid insurance policies fully cover hospitalisation expenses if your