* The limit for Hospitalisation And/Or Surgical Expenses is aggregated for each year of the policy period.

** Security Deposit Protector must be purchased at the same time as the insurance package. The Employer is responsible for the first S$250.00 in the event of a claim

Brief Description of the Product Benefits

1. Security Deposit Bond
   A guarantee given the Ministry of Manpower as required by the Security Bond made under section 12 of Employment of Foreign Manpower (Work Passes) Regulations or section 21 of Immigration Regulations.
   
   
2. Personal Accident
   
   (A) Accidental Death
   A lump sum benefit will be payable to the foreign domestic worker's beneficiary in the event of an Accident resulting in Death.
   
   (B) Permanent Disablement
   A lump-sum benefit (subject to the Schedule of Benefits) will be payable to the foreign domestic worker or her beneficiary in the event of an Accident resulting in Permanent Disablement.
   
   (C) Medical Expenses
   Reimbursement of the actual medical expenses necessarily incurred for out-patient treatment (including day surgery) arising from an Accident.
   
   (D) Traditional Chinese Medicine
   Reimbursement of the actual medical expenses necessarily incurred for treatment by herbalist, acupuncturist and bonesetter on injuries other than fractures arising from an Accident. Such treatment must be given by a qualified Traditional Chinese Medicine Practitioner.
   
   
3. Hospitalisation And/Or Surgical Expenses
   Reimbursement of the actual charges incurred (including day surgery) for hospitalisation and/or surgery expenses for in-patient treatment incurred due to an Accident, Sickness or Illness.
   
   
4. Reimbursement Benefit
   Reimbursement for the salary and levy paid by the Employer for the period whilst the foreign domestic worker is hospitalised as a result of an Accident, Sickness or Illness.
   
   
5. Termination Expenses
   Reimbursement of the reasonable expenses incurred for terminating the service of the foreign domestic worker upon confirmation from a registered Physician or Surgeon that she is medically unfit to continue to work.
   
   
6. Repatriation Expenses
   Reimbursement of the reasonable expenses incurred for repatriating the body or ashes of the deceased foreign domestic worker from Singapore to her home country in the event of death due to an Accident, Sickness or Illness.
   
   
7. Replacement Benefit
   Reimbursement of the reasonable expenses incurred for hiring a new foreign domestic worker to replace the deceased or medically unfit existing foreign domestic worker and the replacement with a new foreign domestic worker must be made within thirty (30) days from the date of termination of the existing foreign domestic worker.
   
   
8. Foreign Domestic Worker's Liability
   Indemnify the Employer for legal liability in respect of any bodily injury to or property damage of third party as a result of the foreign domestic worker's accidental negligence in the course of her employment with the Employer in Singapore.

Optional Cover:

Security Deposit Protector
In the event of forfeiture of the Security Deposit arising from any one of the following:
(A) the foreign domestic worker's unexplained disappearance;
(B) the foreign domestic worker's getting pregnant during her stay in Singapore;
(C) the foreign domestic worker marrying a Singapore citizen or a permanent resident
     during her stay in Singapore, the Employer is required to pay the Company the first
     S$250.00 only instead of S$5,000.00 as agreed in the Letter of Indemnity.

All insurance terms and conditions are stated in the United Foreign Domestic Worker Insurance standard policy.

Important Definitions

1. Accident or Accidental shall mean any injury resulting solely and directly from accidental external violent and visible means.
2. Pre-existing Condition shall mean any Sickness, Illness, condition or symptom which existed prior to the effective date of this Policy:
   (A) for which treatment, medication, advice or diagnosis has been sought or received; or
   (B) which originated or was known to exist by the Insured or the Insured Person prior to the effective date of this Policy whether or not treatment or advice or diagnosis was sought or received.
3. Sickness or Illness shall mean a physical condition marked by a pathological deviation from the normal healthy state.
4. Traditional Chinese Medicine Practitioners shall mean Chinese Physicians who hold a valid license from the Ministry of Health, Singapore and/or are registered with the Traditional Chinese Medicine Practitioners Board.

Major Exclusions

This Policy generally does not cover:
(A) Pre-existing Conditions
(B) Any Benefits arising directly or indirectly from intentional self-inflicted injuries
(C) Any Benefits arising directly or indirectly from suicide or attempted suicide
     (while sane or insane);
(D) Consequential loss of any kind or description whatsoever;
(E) War and kindred risks;
(F) Acts of terrorism.

For the full list of Exclusions, you can request for a copy of the specimen Policy from the Company.

The above is provided for general information and is not a contract of insurance. For full details of the terms, conditions and exclusions of this insurance are provided in the policy contract and will be sent to you upon acceptance of your application by United Overseas Insurance Limited. You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether this product is suitable for you.