Q1. What does the Foreign Maid Insurance cover?
A1. The Foreign Maid Insurance provides comprehensive coverage, which includes:
· Personal accident coverage against death and permanent disability
· Outpatient medical expenses due to injury
· Sending your foreign maid home
· Hospital and surgical expenses (Per year limit)
· Wage Compensation (Max 30 days)
· Expenses if you have to stop employing your foreign maid
· Special grant
· Personal liability
Within 60 days - 70% of policy premium
Within 61 to 90 days - 55% of policy premium
Within 91 to 180 days - 40% of policy premium
From 181 days onwards - No Refund
Do you need to employ the services of a housemaid inside your home? You can go to a maid agency to ensure that you will get someone who is skilled enough. When you do this, finding the right person to fill in the position will be much easier for you. They will take care of the more complicated parts of hiring so that too much effort from you will not be required. Here are some factors to consider when you’re on the lookout for an agency to get your maid from.
When looking for a good maid agency, don’t look at the size of the agency. They may have a nice looking office or a big one but that will not be enough. Get to know about their reputation and how they do business. Seek testimonials from their previous clients and search for online reviews about them.
You can also find an excellent maid agency by looking into the testimonials provided by past customers. If the ratio of satisfied customers far outweighs the percentage of those who have been dissatisfied, then you can bet this maid agency is worth your time.
Another thing that you should be looking out for is the ability of the agency to meet your needs and preferences. For instance, you are specifically looking for a maid who is young or someone who has finished secondary education, the agency should be able to provide you with a helper based on your requirements. A maid agency cannot promise that you will get the perfect maid. Nevertheless, you still need to ascertain if they are the right agency with the right system, as well as the right terms and conditions. This will make you avoid experiencing hassles in the long run.
If you are looking for a reliable maid, the best place to start is a maid agency. Of course, though, you may have to look around for the best one that can satisfy your requirements and budget to the fullest.
Weekly Rest Day
All foreign domestic workers (FDWs) who have their Work Permits issued on or after 1 January 2013 will be entitled to a weekly rest day.
To give employers and FDWs greater flexibility, employers may compensate their FDWs if there is mutual written agreement between both parties for the FDWs to work on their rest days. The compensation should be at least one day’s salary or a replacement rest day taken within the same calendar month.
This new requirement will not affect you if your FDW’s work permit is issued or renewed before 1 January 2013.
• It is applicable to you when you renew the permit after 1 January 2013, or engage a new or additional FDW on or after 1 January 2013. In this case, you have to give your FDW a weekly rest day, or compensate her for work on her rest days if she agrees in writing to work on her rest days.
• your FDW has to be paid at least one day’s wage for each rest day forgone. The FDW’s daily wage is calculated by dividing her monthly salary by 26 working days, as there are typically 4 weeks (and therefore 4 rest days) in a month.
• you and your FDW have to mutually agree on which day of the week her rest day should fall on.
Looking for a maid? Go to Maid Agency first !
There is time in our life when we have to take a decision how and where to get a good maid. In Singapore we are used to the fact that parents in the house will take care of our kids. But in some houses , parents are also going to work or they are not physically fit to take care of children. Another problem is many young families buy new flats and move out from their parents house.
This is where many young families or families with small babies face this tough task: getting a new maid. This also goes to a lot of expatriates coming nowadays to Singapore.
That’s where a professional maid agency comes into pictures. What should be the right steps to find a maid or any other domestic help through an agency?
To avoid time wasting and, mainly, losing money in case you become a victim of some so-called maid agency, you should check the agency reputation first. Simply browse online, since you are reading this article you should be quite familiar to the internet. Ask family, friends or society neighbors if they have any experience with the maid agency, go and speak with agency managers at their office, that’s quite enough to have a clear view on the agency’s reliability.
Most of the agencies will work as per following model: you give them a call/mail mentioning your requirement, they will note down your requirement and then maid agency employees will then start short listing candidates for you. In a while you will get a list of candidates, the maid agency will send the biodata and you will decide which one is the best for you.
Most customers will hire one person who will clean, cook, and even baby sit, and that’s common . In the end of the day, the aim of maid agency is to satisfy both employers and candidates with good rates and fair working conditions.
So if you are searching for a maid, nanny, cook or any other domestic help, make your way to one of the reliable, as you feel, agencies, and make sure you make them understand your specific requirement and expectation. Good maid agency will be ready to listen to you and provide you with domestic help of such quality as you are asking for.
The government of Indonesia introduced a card called Kartu Tenaga Kerja Luar Negeri (KTKLN) or in English, Overseas Worker Card. This card has been made compulsory to all Indonesia workers both leaving overseas to work and those already working in another country.
What is the purpose of this card ?
(a) Easier for the Embassy of Indonesia to contact and to provide assistance to the workers in the event of troubles or accidents. Information can reach the relevant authorities and families in Indonesia fast.
(b) To prevent workers working illegally and human traficking
(c) To prevent falsification of the workers' identity.
For workers already working overseas, they only need to apply for the card when they return to Indonesia for vacation. Failure in doing so may result in the worker being denied leaving the country for work again.
There have been many cases where workers who were unaware of this requirement, were stopped at the airport and denied flying.
Prior to this the implementation of this requirement was not strict and not consistent from airport to airport. Some workers were allowed to fly even without this card whereas some were denied leaving the country until they had obtained the card. However lately this has been strictly enforced in all airports.
Workers ( including maids ) will not be allowed to leave Indonesia without first applying for this card. According to the law of the country, those caught without this card may be fined up to Rp 1.5 million or imprisonment of 1-5 years. However this is just the laws, in reality workers are only stopped from flying if they don't possess this card.
How do I choose a live-in maid?
Hiring a full-time help can be a big bonus as this will provide you much needed extra help as well as allow you some time off. However, before you hire a maid, either part-time or live-in, you need to consider a few things. Do you really need a live in maid? What will be her role? Is your live in maid going to care just for your child or will she double up as a cook and housekeeper. Once you have your mind set, speak to neighbours, friends and colleagues.
An agency may offer you a variety of options:
Untrained maids are those who have never worked before. They may have just arrived from a remote village looking for work. They may not even speak your language. However, for some, untrained maids are a good option if you speak their language as they may be easier to train and mould.
Semi-trained maids may have some experience and may be able to speak the local language. They may also be trained to do certain tasks. They may be carers for babies or may handle only household chores. Rates depend on what tasks are allocated to them.
Trained maids are experienced and know how to handle a host of jobs efficiently. They will cook, look after the baby, wash clothes and handle the kitchen chores.
What should I look out for if I am choosing a live in maid?
• When hiring, look for experience. Consider hiring someone who has children of her own or has looked after children.
• Ask the agency for tele interview
• The agency should provide you with references or details of ex-employers.
How can I prepare for a live in maid?
Your maid will be living in your house, but she will still be an employee. In the first few weeks, you may want to train her and assess her work.
• Look at all aspects of safety and security first.
Teach her about all the safety and security rule in the house first.
• Have a clear job description. Explain to her what is her main priority ? Is she hired specifically to look after your baby? Or will she, like most maids, hired to sweep and mop the floors, wash the dishes, make the beds, iron and generally keep the house tidy?
• Set reasonable work timings that allow some time off for leisure as well. Some people also expect their maids to cook, look after the family pet, look after the baby, tend the garden as well run errands. You must be clear about your expectations, but remember if she has to do too much, she may not be able to provide the quality care you want for your baby. A well-rested FDW is more productive. You should ensure that she has sufficient rest, especially during the night. Rest days should also be catered for, as agreed between yourself and the worker.
• Supervise closely in the first few weeks. Spend some time working together, so that your maid can learn routines and preferences from you, and you can see how she relates to your baby. Ask her to repeat your instructions to you just to make sure she understands them. This is especially important if there are language barriers.
• Train her on good hygiene and safety. She may have grown up in a very different household, or be from a remote village that has no piped water. You need to make sure she does things in the way you wish them to be done, and the time you put into teaching her in the early days will be time well spent.
• Set a timetable. Once everyone has settled into a routine, you may want to consider drawing up a schedule for everyday household activities. This way, everyone in the house knows what to expect every day, and your maid knows exactly what she needs to get done.
• Offer a comfortable place to stay. You may have a separate room for her . In homes where there are space constraints, maids often sleep in the children's room. However, try to give her a place where she feels easy and of course a proper bed.
• Respect your maid. Remember it is important to respect your maid. Avoid using abusive language to show your displeasure. Avoid humiliating her in front of other household members, especially guests, even if she has done something wrong.
They will need time to familiarise themselves with your way of life. Be patient and Be Happy with your Housemaids :)
Why this blog ?
My intention to start this blog is to document my experience with the Housemaid's Employer and the housemaid. Hope I will be writing interesting incidences which will keep attracting readers to my blog.
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I wish I knew of your maid services earlier, I would have saved a lot of money !
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