Compare Domestic Worker Insurance Quotes
Why Do you Need This?
Because this is a click-to-buy product, this product is available immediately to buy online from our website.
Its important to us that you understand that when entering your payment details on the last step you'll be purchasing insurance for your domestic worker and a policy will be issued and e-mailed to you straight away.
You might be wondering, does this make me the policy holder?
Yes, as the employer of the domestic worker, you are the policy holder on the account because you are the payer on the policy.
Read more about the cover details below...
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Domestic Worker Insurance Cover Details
Death Benefit:
If the domestic worker dies as a result of an accident (at any time after the Commencement Date) or from natural causes (more than 6 months after the Commencement Date), we will pay the sum insured to the domestic workers nominated beneficiary or, in the absence of a nominated beneficiary, to the domestic workers estate.
Total and Permanent Disability Benefit:
If the Life Insured is unable due to physical or mental impairment that has lasted for at least 4 months to carry out at least 5 of the tasks described in Activities Required of an [Indoors/Outdoors] Domestic Worker and such physical or mental impairment is in our opinion likely to be permanent in nature and was not caused by self-inflicted injury then we will pay the following amount to the Life Insured. If the 4 month period referred to above commenced:
- before the Life Insured’s 56th birthday we will pay the sum insured
- after the Life Insured’s 56th birthday we will pay 80% of the sum insured
- after the Life Insured’s 57th birthday we will pay 60% of the sum insured
- after the Life Insured’s 58th birthday we will pay 40% of the sum insured
- after the Life Insured’s 59th birthday we will pay 20% of the sum insured
Critical Illness Benefit:
If the domestic worker dies as a result of an accident (at any time after the Commencement Date) or from natural causes (more than 6 months after the Commencement Date), we will pay the sum insured to the domestic workers nominated beneficiary or, in the absence of a nominated beneficiary, to the domestic workers estate.
- Cancer
- Heart Attack
- Open heart bypass surgery
- Stroke
- Major organ transplant
Please note: The Sum Insured is only payable once – when a claim has been admitted all further cover ceases
Exclusions:
No death benefit will be paid in the first 24 months if the Life Insured has committed suicide.
Domestic Worker Cover 101
For many South African families, domestic workers play a major role in the home and family. If you have a domestic worker helping you keep your home in order, you likely place a lot of trust in them, welcoming them into your home and even into your family. It’s for this reason that Domestic Worker Insurance exists, to offer some protection to a valued member of your household.
Even though there are an estimated 1 million domestic workers in South Africa according to Stats SA, domestic workers are often in a vulnerable position without formalized working contracts or benefits in place. Domestic worker insurance helps private employers to do the right thing and offer their employees protection and a financial safety net should they become too ill to work or pass away unexpectedly.
What does Domestic Worker Insurance Cover?
Policies from different insurers are varied, but generally, Domestic Worker Insurance will provide cover for:
- Death
- Critical Illness
- Disability
Should something unexpected happen to a domestic worker leaving them unable to work and earn an income, this type of cover will ensure that they have financial protection in place to help them and their families.
How does Domestic Worker Insurance work?
Every insurer will have their own way of structuring a policy, however the general way that Domestic Worker insurance works is similar. The employer would open a Domestic Worker Insurance policy and become the policy holder on the life of their domestic worker. The domestic worker would be the Life Assured. The employer (policy holder) then pays a monthly premium for the chosen policy. The domestic worker (Life Assured) will select a nominated beneficiary who will receive the benefit in the case of a claim on the policy.
Who is covered with a Domestic Worker Insurance policy?
Domestic Worker Insurance exists to protect your domestic worker and their dependents. The domestic worker for which the policy has been opened, will be the Life Assured and the policy will cover the individual domestic worker.
Who is the beneficiary of Domestic Worker Insurance?
Although the employee opens the Domestic Worker Insurance policy and is the official policy holder, the beneficiary of the policy is nominated by the domestic worker for whom the policy covers. This means that if you take out Domestic Worker insurance for your domestic worker, they will be able to select who the benefit should be paid to in the event of a claim. In most cases, the nominated beneficiary will be a family member of a domestic worker.
Do I need to take out a Domestic Worker Insurance policy for my domestic worker?
To be a responsible employer, you will likely want to open a Domestic Worker Insurance policy. Considering the role that domestic workers play for many South African families and the vulnerability they face, it could be argued, the right thing to do.
Opening a policy for your domestic worker not only offers them formalized protection that all employees deserve, it also shows recognition of your domestic worker’s value in your home. This simple gesture can go a long way in your employer-employee relationship.
With the help of technology and click-to-buy insurance products, Domestic Worker Insurance is quick, easy and affordable with low monthly premiums and in many cases requires no medical underwriting.
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