HelperCare

Key Benefits

1

Up to S$100,000 Worldwide Coverage for Accidental Death or Permanent Disability

2

Covers Outpatient Medical Expenses Incurred from Treatment by TCM Physician/Chiropractor due to Accident

3

Local and Emergency Overseas Hospitalisation Coverage (including Communicable Diseases e.g. Covid-19 & Dengue Fever

4

Up to S$100,000 Annual Limit for Hospital & Surgical Expenses including Pre and Post Hospitalisation Treatment of 90 Days

5

Coverage for Pre-Existing Medical Conditions (if Helper is Employed for More Than 12 months in Singapore)

6

Daily Hospital Allowance for up to 60 Days

7

Covers First Occurrence of Mental Conditions including Self-Inflicted Injuries Arising from Attempted Suicide

We have got your needs covered

Description of Benefits	Standard	Standard Plus	Superior Plus	Supreme Plus

Section 1 - Letter of Guarantee to Ministry of Manpower¹


Letter of Guarantee to Ministry of Manpower¹	S$5,000	S$5,000	S$5,000	S$5,000

Section 2 - Personal Accident


Death	S$60,000	S$60,000	S$80,000	S$100,000
Permanent Disablement	As per scale in Policy	As per scale in Policy	As per scale in Policy	As per scale in Policy
Outpatient Medical Expenses due to Injury - Treatment by TCM Physician/Chiropractor	S$1,000 - S$100/injury	S$2,000 - S$100/injury	S$2,500 - S$100/injury	S$2,500 - S$100/injury

Section 3 - Hospital & Surgical Expenses


Hospital & Surgical Expenses	S$60,000 per annum	S$60,000 per annum	S$80,000 per annum	S$100,000 per annum
Co-Insurance applicable to bills exceeding S$15,000	25%	0%	0%	0%

Section 4 - Daily Benefit


Daily Benefit	Not Covered	S$20 per day (maximum 60 days)	S$20 per day (maximum 60 days)	S$20 per day (maximum 60 days)

Section 5 - Repatriation Expenses


Repatriation Expenses	S$10,000	S$10,000	S$10,000	S$10,000

Section 6 - Wages & Levy Reimbursement


Wages & Levy Reimbursement	Not Covered	Up to S$30 per day (maximum 60 days)	Up to S$30 per day (maximum 60 days)	Up to S$30 per day (maximum 60 days)

Section 7 - Re-hiring Expenses


Re-hiring Expenses	S$350	S$350	S$400	S$450

Section 8 - Outpatient Kidney Dialysis/Cancer Treatment


Outpatient Kidney Dialysis/Cancer Treatment	S$2,500	S$2,500	S$3,000	S$3,000

Section 9 - Special Grant


Special Grant	S$1,000	S$1,000	S$2,000	S$3,000

Section 10 - Reimbursement of Indemnity Paid to Insurer


Reimbursement of Indemnity Paid to Insurer	Optional	Optional	Optional	Optional

Section 11 - Helper's Personal Belongings


Helper's Personal Belongings	S$250	S$250	S$300	S$400

Section 12 - Helper's Liability to Third Party


Helper's Liability to Third Party	S$20,000 (Any One Accident/ in the aggregate)	S$20,000 (Any One Accident/ in the aggregate)	S$25,000 (Any One Accident/ in the aggregate)	S$25,000 (Any One Accident/ in the aggregate)

¹The Proposer will need to indemnify Liberty Insurance Pte Ltd for all sums that Liberty Insurance may incur arising out of the Letter of Guarantee

Premiums Table

(include prevailing GST)

Bond & Insurance	Standard	Standard Plus	Superior Plus	Supreme Plus

Helper's Age - 50 and below


For 14 months	S$376.05	S$441.45	S$506.85	S$572.25
For 26 months	S$501.40	S$588.60	S$675.80	S$763.00

Helper's Age - 51 to 64


For 14 months	S$658.09	S$772.54	S$886.99	S$1,001.44
For 26 months	S$877.45	S$1,030.05	S$1,182.65	S$1,335.25

Additional Premium Payable (optional)	Standard	Standard Plus	Superior Plus	Supreme Plus

Reimbursement of Indemnity Paid to Insurer


Flat Rate (Include prevailing GST)	S$54.50

In the event that Liberty Insurance is required to make payment under the Security Bond required by Ministry of Manpower, the Proposer will need to reimburse Liberty Insurance the “Excess” amount only, provided that the payment is not caused by or resulting from the Proposer’s breach of the conditions under the Security Bond.

The “Excess” amount will vary as follows:

S$250: If this extension of coverage is purchased when the insurance package is first arranged subject to a waiting period of 30 days from the policy inception date
S$500: If this extension is purchased mid-term but within one month of the policy inception date subject to a waiting period of 30 days from the date of inclusion

Notes

Persons eligible to apply
- The Insured Person must be in the immediate employment of the Insured and holds a valid work permit
- Age 64 years and below
Policy Owners’ Protection Scheme

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us (servicecenter@libertyinsurance.com.sg) or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).