Tokio Marine Insurance Singapore Ltd.

Let us take care of you of your worries whilst your maid relieves you of your domestic chores. Our Maid Delight protects you, as an employer, and your foreign maid with benefits required by law and much more.

Depending on the insurance plan you require, our Maid Delight offers you the following protections:

• Guarantee to Controller of Immigration

We will issue a letter of guarantee of $5,000 on your behalf to the Controller of Immigration.

• Hospital and Surgical Expenses

In the event that your maid is hospitalised due to accidental injury or illness, we will reimburse you the hospital and surgical expenses you incurred for your maid's treatment at a Singapore Government Restructured Hospital (defined in the policy). Reimbursement is based on standard Class "C" rate or Class "B2" rate if Class "C" ward is not available.

• Wages and Levy Compensation

We will pay you a daily sum for each complete day that your maid has been hospitalised.

• Post-hospitalisation Recuperation

We will pay you a daily sum for each complete day that your maid has been certified as totally unfit for work immediately following her discharge from hospital.

• Repatriation Expenses

We will reimburse you the expenses necessarily incurred by you for the repatriation of the maid to her home country if she becomes totally and permanently disabled. In the event of your maid's death in Singapore we will reimburse you the expenses necessarily incurred for burial or cremation of the maid and/or transportation of the remains to her home country. Repatriation expenses are payable even if death or total permanent disability is caused by suicide.

• Termination Expenses

We will reimburse you the expenses incurred if your maid is unable to continue with her employment due to injury, illness or disease.

• Waiver of Indemnity (Optional Cover)

We will limit your liability to only S$250.00 when you are required to reimburse Tokio Marine Insurance Singapore Ltd. on the happening of any one of the following events provided they are not caused by your deliberate act or omission:

1.   the maid's unexplained disappearance,

2.   her geeting married to a Singaporean or Singapore PR or

3.   her getting pregnant

• Medical Expenses

We will reimburse you for expenses you incurred for your maid’s medical treatment as a result of accidental bodily injury up to the sub-limit as specified you the Schedule.

• Treatment by Chinese Physicians

We will reimburse you for expenses incurred for your maid’s medical treatment by a Chinese Physician as a result of accidental bodily injury up to the sub-limit as specified in the Schedule.

• Treatment for Dengue Fever

We will reimburse you for medical expenses you incurred for the treatment of dengue fever up to the sub-limit as specified in the Schedule.

• Personal Accident

Insures your maid against accidental death or injuries as per the Scale of Benefits.

Scale of Benefits
Disabilities	Percentage of Sum Insured
Death or permanent total disability	100%
Loss of sight in both eyes	100%
Loss of sight in one eye and loss of one hand or one foot	100%
Loss of sight in one eye	50%
Loss of both hands or feet or one hand and one foot	100%
Loss of one hand or one foot	50%
Loss of hearing or speech	50%
Loss of hearing in one ear	15%
Loss of arm at shoulder	75%
Loss of arm below shoulder	65%
Loss of leg at hip	75%
Loss of leg below hip	65%
Loss of thumb (both phalanges)	25%
Loss of thumb (one phalanx)	10%
Loss of index finger (three phalanges)	10%
Loss of index finger (two phalanges)	8%
Loss of index finger (one phalanx)	4%
Loss of finger other than thumb or index finger (three phalanges)	5%
Loss of great toe (two phalanges)	5%
Loss of great toe (one phalanx)	2%
Loss of other toe (one or more phalanges)	1%
Notes Where permanent disability is not indicated in the Scale of Benefits above (other than loss of sense of taste or smell for which no benefit is payable), we will adopt a percentage of disability based on the assessment by our appointed doctor that is consistent with the Scale of Benefits above and without regard to the maid's employment. If an injury or a disability forms part of another injury or disability, the higher of either benefits will be payable and the total benefits payable under the policy shall not exceed the sum insured.

Exclusion Applicable to Hospital & Surgical and Follow-up Medical Expenses Covers

The Maid Insurance does not pay for:

• medical expenses recoverable under the Work Injury Compensation Act (Cap354) or similar Act or from any medical benefit scheme;
• special nursing, vision or dental care;
• routine physical examinations, health check-ups or diagnostic tests;
• treatment of an optional nature;
• hospitalisation primarily for diagnostic purposes or routine care, convalescent, custodial or institutional care, rest or rehabilitation;
• non-medical personal service;
• procurement or use of special braces, appliances, equipment or other prosthetic devices;
• expenses connected to any non-accidental conditions which manifest itself within the first fourteen (14) days from the commencement of this policy or from the date of the maid arriving in Singapore whichever shall be the later unless the maid has been continually insured by us for at least the last preceding 12 months.

Exclusions Applicable to All Covers Except Guarantee and Repatriation Expenses Cover

The Maid Insurance will not pay for injury (including death), illness or disability directly or indirectly resulting from:

• pregnancy, childbirth, miscarriage or any complications thereof;
• pre-existing defects or infirmity or condition for which the maid received medical treatment, diagnosis, consultation or prescribed drugs prior to the commencement of this policy;
• communicable diseases requiring isolation or quarantine by law;
• illness or disease of any kind howsoever contracted, even if through injury. However, this exclusion shall not apply to disease directly resulting from medical treatment rendered necessary by an injury or to infection directly resulting from an injury (applicable to Personal Accident cover only);
• intentional self-inflicted injury, suicide or any attempt thereat, regardless whether your maid is sane, insane or under any mental distress, depression, anxiety, the effect of alcohol or drugs;
• sexually transmitted disease, or Acquired Immune Deficiency Syndrome (AIDS), AIDS related complexes and all illness or disease associated with the Human Immunodeficiency Virus (HIV) infection howsoever contracted, even if through injury;
• motor-cycling (whether as a driver or passenger);
• the maid engaging in or taking part in any wilful, malicious or unlawful act or unlawful employment;
• war, invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolution, insurrection or military or usurped power or confiscation or nationalisation or requisition or destruction of property by or under the order of any government or public or local authority;
• use, existence or escape of nuclear weapons material or ionising radiation from or contamination by radioactivity from any nuclear fuel or nuclear waste from the combustion of nuclear fuel;
• any action in controlling, preventing, suppressing, retaliating against or responding to any act of terrorism.

Schedule of Benefit

Section Aggregate per Policy Period SCHEDULE OF BENEFIT MAID Delight
1.	Personal Accident
	i.	resulting in Death OR	S$40,000
	ii.	Permanent Disability	S$40,000
	iii.	Accidental Medical Expenses including	S$1,000
		*Medical expenses for treatment by Chinese Physicians	S$150
		*Medical expenses for treatment of Dengue Fever	S$150
2.	Repatriation Expenses		S$10,000
3.	Hospital & Surgical Expenses in Singapore including Day surgery, 90 days Pre-Hospitalisation and Post-Hospitalisation treatment		S$10,000 (Subject to per annum limit of S$5,000)
4.	Wages Compensation & Levy Reimbursement		S$900 (Subject to S$30 per day)
5.	Termination Expenses		S$250
6.	Recuperation Expenses After Hospitalisation		S$1,200 (Subject to S$20 per day)
LETTERHEAD OF GUARANTEE/WAIVER OF COUNTER INDEMNITY
7.	Letter of Guarantee to the Controller of Immigration (Optional)		S$5,000
8.	Waiver of Counter Indemnity (Optional)		S$5,000 subject to excess of S$250
COVERAGE SELECTION/PREMIUM (Before GST) 26 months
(a)	Insurance Benefits Only (Item 1 to 6)		S$200
(b)	Insurance + Guarantee to Immigration (Item 1 to 7)		S$250
(c)	Insurance + Guarantee to Immigration + Waiver of Counter Indemnity (Item 1 to 8)		S$300
OPTIONAL COVER/PREMIUM (Additional Premium to add on to the above Coverage Selection)
9.	Letter of Guarantee to Philippines Embassy		a) S$2,000 (apply through an accredited maid agency)
(as required by The Philippines Overseas Labour Office)			b) S$7,000 (through direct hiring)
Premium (Before GST) - Additional premium to add on to above Coverage Selection			a) S$50 b) S$70

IMPORTANT
This brochure is not an insurance policy and does not contain the full details of the insurance cover. The specific terms, conditions and exclusions applicable to the insurance are contained in the policy which will be issued to you upon acceptance of your application. A copy of the specimen policy can be made available to you upon request.

For more information, contact one of our following staff :
Cerina Lim	(65) 6325-0459	or email : cerinalim@tokiomarine.com.sg
Mary Tan	(65) 6325-0429	or email : marytan@tokiomarine.com.sg