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What is the difference between medical insurance and personal accident insurance for my domestic helper?

FDW employers are required to buy medical insurance with a minimum sum assured of at least $15,000 per year. This covers hospitalisation and surgery expenses.

The personal accident insurance (PAI), however, provides a lump sum compensation to the FDWs or their next of kin if the FDW suffers from permanent disability or passes away due to an accident. The required minimum sum assured for PAI is $60,000 from 1 October 2017.

Read more info about insurance requirements for FDW.