Why do FDW employers need to buy personal accident insurance (PAI) for their FDWs?
Unlike other workers, FDWs are excluded from the Workman Injury Compensation Act (WICA).
FDWs are employed by households and they work and live in the same premises, making it difficult to determine whether any injury sustained in the premises was due to work-related activities.
Thus, in lieu of WICA, FDW employers must buy personal accident insurance (PAI) for their FDWs.
The PAI provides compensation to the FDWs in the event of permanent disablement or death, regardless of whether or not the accident was work-related.
This information is sourced from MOM
Related questions
What is the difference between medical insurance and personal accident insurance for my domestic helper?
Are MDWs covered under the Work Injury Compensation Act?
What is personal accident insurance (PAI)?
Who pays for sending an FDW home if the contract is terminated early, either by the employer or the FDW?
Need more help?
Get in touch