Your Maid Provides an Essential Cleaning Service… Provide Her with an Essential Peace of Mind Insurance Policy!
Think about it for a second. Your domestic worker (maid) is almost a part of the family considering the amount of time they spend on your property and in the company of your family members. So wouldn’t it be the right thing to do to at least consider taking out some sort of cover for them?
If you don’t agree, maybe this short post will change your mind.
Why I believe every maid deserves insurance cover
As mentioned in my opening, your maid spends a lot of time in your house and with your family. Keep in mind that she most likely has her own home and her own family, yet the majority of her time is spent taking care of yours. This is often because your maid is the sole breadwinner in her family, so there is no choice for her. I mean, who would willingly want to spend the majority of the day with somebody else’s family instead of their own? Yet undeniably, your maid plays a crucial role in the day to day functioning of your household at the expense of her own.
Now imagine if your maid met up in an accident or worse. What would happen to her home and family? Where would they find the finances to pay for a hospital stay or funeral? Surely for somebody that does so much in our own home, we can find it in ourselves to make sure that they too are covered in the event of an emergency?
There aren’t even many domestic cleaning agencies offering insurance cover for their maids. Of the ones I looked up, http://www.homecleaning.co.za was one of the cleaning companies in Durban I found that provides this.
What are the options for domestic workers?
Back in 2013, 1st For Women offered an insurance policy specifically geared towards domestic workers called Domesticsure.
Domesticsure offered the following benefits:
- Death Benefit: R25 000 (Natural death) R50 000 (Accidental death)
- R50 000 Disability benefit
- A 2 Year, R200 per day Hospitalisation benefit
- 24 hour access telephonically for free medical advice through Hello Doctor
Unfortunately I haven’t been able to find any updated information regarding Domesticsure. I could be wrong but it seems as though 1st For Women no longer offers this policy. (I will try to confirm with them and update this post accordingly).
However, I have managed to find an alternative solution from a company called MadeSure. MadeSure seems to offer insurance policies catering to low-income earners. Looking at their options, it seems like it would be beneficial for maids.
- Hospital Cash Plan for Injury – R1 000 per day for up to 14 days Per Year (48 Hour wait period)
- ER24: Emergency Medical Care with access to immediate medical assistance for your maid and her family. Available 24/7. Hotline 083 124.
- Hospital Guarantee Cash R7 500
- Emergency Transportation R100 000
- Life Support equipment up to R100 000.
- Rehabilitation: 80% (up to R75 000) of re-training costs.
- Permanent Disability Cover. R50 000(No waiting period)
- Mobility Cover up to R150 000 for permanent disability. Covers costs for electric wheelchair + prosthetics.
- Childcare R200 per day for 28 days on Accidental Disability of main member/spouse/child (7 day wait period)
- Accidental Death R50 000 cover.
- Final Rest: R18 000 (Covers all causes of death)
- Body Repatriation up to R35 000 cover (This pays transport costs of the deceased or critically injured)
- Trauma Counselling: R750 per session. (Up to R25 000 per family member p.a.) Covering acts of violence.
- HIV accidental exposure benefit: Covers a 7 day course of STI medication of up to R100 000 cover (Pays out for HIV infection due to blood transfusion or rape).
- Debt Saver Program: debt assist, protection from creditors and free credit checks.
- Avis 14 Seater: Discounted rate for 7 days.
It looks pretty good on the surface, especially at only R95 per month, but it would definitely be best to give them a call to find out more details.
Other alternatives to look at would be the big banks and financial service providers (ABSA, Old Mutual, Nedbank Liberty etc…) as many of them do offer domestic worker specific plans.
At the end of the day, our maids make our lives easier cleaning our homes, and ensuring everything runs smoothly when we aren’t there. At the very least, helping them out with an insurance policy will give them much needed peace of mind knowing that their family is taken care of as well.