Maid Protect II
Scenario 1: The Maid's H&S bill is S\$15,000
Payment by ChubbCo-payment by YouRemaining Benefit Limit per Policy Year

Full S\$15,000

NIL

The Benefit Limit will be reduced based on the amount Chubb paid out,
i.e. \$60,000 - \$15,000 = S\$45,000

Scenario 2: The Maid's H&S bill is S\$70,000
Payment by ChubbCo-payment by YouRemaining Benefit Limit per Policy Year

First S\$15,000 + 75% of the remaining amount (75% of S\$55,000)

i.e. S\$15,000 + S\$41,250 = S\$56,250

25% of S\$55,000 = S\$13,750

The Benefit Limit will be reduced based on the amount Chubb paid out,

i.e. S\$60,000 - S\$56,250 = S\$3,750

Scenario 3: The Maid's H&S bill is S\$100,000
Payment by ChubbCo-payment by YouRemaining Benefit Limit per Policy Year

Full S\$60,000

(Note that for this scenario, Chubb will cover up to S\$60,000 based on the maximum Benefit Limit, instead of S\$15,000 + 75% of S\$85,000 = S\$78,750).

Remaining S\$40,000

The Benefit Limit will be reduced based on the amount Chubb paid out,

i.e. S\$60,000 - S\$60,000 = S\$0

Scenario 4: The Maid incurs a H&S expense of S\$15,000 (Bill 1) and a S\$20,000 from a subsequent follow-up procedure (Bill 2) in the same Policy Year
Payment by ChubbCo-payment by YouRemaining Benefit Limit per Policy Year

Bill 1 - Full S\$15,000
Bill 2 - 75% of S\$20,000 = S\$15,000

Bill 1 - NIL
Bill 2 - 25% of S\$20,000 = S\$5,000

The Benefit Limit will be reduced based on the amount Chubb paid out,

i.e. S\$60,000 - S\$30,000 = S\$30,000

Scenario 5: The Maid incurs a H&S expense of \$15,000 (Bill 1) and a \$20,000 from a subsequent follow-up procedure (Bill 2) in the next Policy Year
Payment by ChubbCo-payment by YouRemaining Benefit Limit per Policy Year

Bill 1 - Full S\$15,000
Bill 2 - 75% of S\$20,000 = S\$15,000

Bill 1 - NIL
Bill 2 - 25% of S\$20,000 = S\$5,000

Co-payment applies even if Bill 2 occurs in different Policy Years, as the treatment arise from the same condition from previous Policy Year

The Benefit Limit for the Policy Year where Bill 1 was incurred will be reduced based on the amount Chubb paid out,
i.e. S\$60,000 - S\$30,000 = S\$30,000

The Benefit Limit for the next Policy Year remains at S\$60,000

If my maid is injured and requires outpatient medical treatments due to Accidental Injury, will the treatment expenses be covered?

Yes, Maid Protect II provides coverage of up to S\$1,000 for outpatient medical treatments due to Accidental Injury. This includes treatments by a registered Chinese Doctor or Chiropractor, subject to a maximum of S\$100 per Accidental Injury.

How does the Insurance Guarantee Bond to the Singapore’s MOM work?

Chubb will transmit the details of the Insurance Guarantee Bond for the sum of S\$5,000 serving as a security bond on your behalf to the MOM. As such, you do not need to pay the S\$5,000 cash up front to the MOM when hiring a maid.

• For new and transfer maid, Chubb will transmit your guarantee details to MOM within 14 days prior to the policy effective date.
• For renewal maid, Chubb will transmit your guarantee details to MOM within 60 days prior to the policy effective date.

In the event that a demand is made by the MOM, Chubb will first settle the payment and subsequently recover it from you under the Counter Indemnity arrangement of the insurance.

If you have chosen to enhance your plan with the optional cover of Waiver of Counter Indemnity, Chubb will first settle the payment and subsequently recover it from you up to the excess amount of S\$250.

How does the Waiver of Counter Indemnity Benefit work?

This applies only to the security bond of S\$5,000 paid to MOM on your behalf. If you have chosen to enhance your plan with the optional cover of Waiver of Counter Indemnity, Chubb will waive their rights to recover the security bond of S\$5,000 paid to MOM, subject to an excess amount of S\$250 which will apply.

How should I renew my maid’s work permit?

Here’s a 3-step guide# to get you started:

• Step 1: Get a maid insurance policy
• Step 2: Renew your maid’s work permit online (to be done only after Chubb has transmitted the security bond to MOM)
You should receive a renewal letter from MOM about 8 weeks before your maid’s current work permit expires. Log into MOM’s Work Permit Online portal to submit a scanned copy of your maid’s passport personal particulars page (remember to renew your maid’s passport first if it is expiring in 6 months!) and details for delivery of the new work permit. The renewal will cost you S\$35.
• Step 3: Prepare for home leave/ Get Authenticated Contract (for Filipino maids only)
For Filipino maids, you will need to get an Authenticated Employment Contract and if she’s going on home leave, you also need to apply for an “exit pass”, known as the OEC. You can refer to a checklist of documents that the Philippines Embassy requires here.

For Indonesian maids going on home leave, you need to get a Kartu Pekerja Indonesia Singapura (KPIS) card if your maid does not have one.

# This guide is only for reference. Please visit the respective agencies’ websites for latest updates.

What if I wish to cancel the policy?

You may cancel the policy by giving Chubb 14 days’ notice in writing, provided full discharge is given to Chubb by the relevant authorities in respect of the Insurance Guarantee Bond.

If you cancel the policy, you will receive a short-period refund of the premiums paid for the unexpired period of insurance, subject to a minimum charge of S\$50 which will be retained by Chubb. There will be no refund of premiums if the policy is cancelled for more than 180 days from the commencement date of insurance or if there has been a claim.

MaidProtection