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...
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:
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.
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.
