Forum: Employers of domestic helpers should be allowed to choose their own insurance
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While looking for a migrant domestic worker recently, I approached several employment agencies.
I was surprised that many insisted I must purchase their designated insurance package if I wanted to hire a helper through them.
Employers understand that medical and personal accident insurance for migrant domestic workers is compulsory and necessary.
However, requiring employers to obtain adequate insurance is different from allowing employment agencies to dictate which insurance package they must purchase.
Employers are ultimately responsible for their helpers’ medical care and welfare.
If the coverage is inadequate, it is the employer – not the agency – who must bear the medical expenses and financial consequences.
Employers should therefore have the autonomy to compare policies and select one offering suitable coverage, premiums, exclusions and co-payment terms.
The Ministry of Manpower should ensure that employers are free to purchase any policy that meets its requirements.
Agencies should not be permitted to make the purchase of their insurance package a condition for engaging a particular helper.
Ng Sout San