As employers of FDWs directly benefit from hiring them, they must bear all the costs of maintaining their FDWs. This includes any medical costs necessary for her health.
Hence, you are not allowed to make your FDW pay for her medical expenses. This includes medical expenses that are part of, or above what the insurance pays.
To help employers better manage the risk of having to pay large sums of money for their medical FDW’s medical expenses, MOM already requires you to buy both medical insurance and personal accident insurance of a minimum coverage for your FDW before you’re allowed to employ her.
Employers are encouraged to buy insurance with a higher coverage to protect themselves from any excessive medical bills.