Domestic Maid Insurance Scheme (DMIS)


Description

The foreign domestic maid is only permitted to work for the employer at the address as specified in her work permit. Under the Employment of Foreign Workers’ Act, employers can be charged for illegally employing or illegally deploying a foreign domestic maid. The penalty for illegally employing a foreign domestic maid without a valid work permit is a fine up to RM10,000 or 5 years imprisonment OR both fine and imprisonment, and shall also be liable to whipping of not more than six strokes. In addition, the errant employer will be permanently debarred from employing a foreign domestic maid.


Scope of Cover

ACCIDENTAL DEATH
:
RM25,000.00 - In the event of death of the Maid occurring within twelve calendar month of bodily injury due to an accident.



PERMANENT TOTAL DISABLEMENT
:
Up to RM25,000.00 in the event of permanent total disablement occurring within 12 months of the accident. occurring within twelve calendar months of bodily injury due to accident. The percentages are stated in the Permanent Disablement Scale.



MEDICAL EXPENSES
:
Up to RM750.00, reimbursement on the actual, necessary and reasonable medical, hospital or surgical expenses incurred in the treatment of injuries resulting from an accident provided such treatment is received from a qualified medical practitioner or whilst confined in a government or licensed private hospital. The company will not pay for the first RM50.00 for each and every claim under this benefit.



REPATRIATION EXPENSES
:
The repatriation expenses shall be the actual expenses incurred or RM5.000.00 whichever is the lesser, for the transportation of the Maid to her country of origin in the event she dies or suffers permanent total disablement.



HOSPITAL & SURGICAL EXPENSES
:
Up to RM3,000.00 - The company will pay the expenses in respect of hospital medical or surgical nursing home and nursing fees and charges necessarily incurred as an in-patient including the cost of all medicines drugs and the use of diagnostic equipment and subsequent outpatient treatment related solely to the hospitalization necessarily incurred by the Maid provided such expenses are incurred in Malaysia



WEEKLY BENEFIT
:
RM120.00 per week – the Company will compensate the amount in the event the Maid as a result of bodily injury or sickness is hospitalized or recuperates at home as prescribed by the doctor up to a period of not less than one week. The company’s liability is limited to 15 weeks in total.



VICARIOUS LIABILITY
:
Up to RM2,000.00 - The sum which the Insured becomes legally liable to pay as compensation including claimant’s costs in respect of accidental bodily injury or accidental damage to property happening on or about the Insured’s premises caused by the maid.

In addition the Company will indemnify the Insured for those sums which the Insured shall pay as legal costs and expenses with respect to any claim seeking such compensation. The Limit of Indemnity is inclusive of such legal costs and expenses and, therefore, the Limits of Indemnity available for compensation shall be reduced by any amount that the Company pays to indemnify for such legal costs and expenses.





Permanent Disablement Scale

1.
Total and Permanent Disablement from attending or following any occupation or employment
100%

2.
Total and irremediable blindness of both eyes
100%

3.
Total and irremediable blindness in one eye and loss of one hand or one foot
100%

4.
Total and irremediable blindness in one eye
50%

5.
Loss of both hand or feet or one hand and one foot
100%

6.
Loss of one hand or one foot
50%

7.
Loss of hearing or speech
50%

8.
Loss of hearing in one ear
15%

9.
Loss of arm at shoulder
75%

10.
Loss of arm below shoulder
65%

11.
Loss of leg at hip
75%

12.
Loss of leg below hip
65%

13.
Loss of thumb (both phalanges)
25%

14.
Loss of thumb (one phalanx)
10%

15.
Loss of index finger (three phalanges)
10%

16.
Loss of index finger (two phalanges)
8%

17.
Loss of index finger (one phalanx)
4%

18.
Loss of finger other than thumb or index finger
5%

19.
Loss of great toe
5%

20.
Loss of any other toe
1%

21.
Any permanent partial disablement not specific above other than loss of sense of taste or smell – such percentage to be assessed by the Company in consultation with the Company’s medical advisers. The Company reserves absolute discretion to adopt a percentage of disablement which in its opinion is not inconsistent with the foregoing scale without regard to the Insured Person’s occupation