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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. However, FDW employers are required to 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.