Tuesday 29 December 2009

Guide in Buying Domestic Helper Insurance

By Alice Sy

Buying domestic helper insurance is as easy as purchasing commodities in a grocery. It comes in different packages offering different policies. Depending on what you like and what you need, all you have to do is choose.

Domestic helper insurance companies have different policies and ways of implementing them. Awareness of what to look for in domestic helper insurance and insurance company is very important. Careful consideration of the details of the insurance policy and insurance company is a must. Knowing the insurance company creates an atmosphere of trust and confidence.

Many big insurance companies are in the field of customer service for years already. Their credibility foundation is strong not only because they have wider network, but more importantly, they know how to implement their policies effectively and to take care of their clients. In choosing domestic helper insurance company, look for credibility.

Apart from the credibility foundation of an insurance company, it is very important to scrutinize the insurance policies. Insurance companies have different plans to suit the domestic helper's needs. A basic plan normally includes compensation and hospitalization in case of accidents, but there are more details to be aware of.

Domestic helper insurance policies can cover expenses like medical, dental, hospitalization, repatriation, service allowance and a whole lot more. Depending on which domestic helper insurance package you avail, details on coverage exclusions are properly indicated. A complete package of domestic helper insurance can provide full protection coverage in case of emergencies.

Protection of employers from theft and fraud are also covered by domestic helper insurance. The employer can complain unauthorized use of International Direct Dialing system and can recover any loss from the insurance company. Premiums can also be included in case his domestic helper is repatriated or suffers illnesses and accidents.

Before buying a domestic helper insurance, it is necessary to weigh which policy is cost efficient and appropriate. The cost of buying the policy should be beneficial to the best interest of both the domestic helper and the employer. It should offer a worry free relationship between both parties especially during unfortunate events.

The conditions and terms of agreement before buying domestic helper insurance should be understood. It is very important that both parties know their rightful claims in case something occurs. This is the very purpose of having domestic helper insurance.

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