Sections	Coverage			Maximum Benefit Payable (S$)
Sections	Coverage			Basic	Enhanced	Premier	Exclusive
1.	Personal Accident
	A. Accidental Death			60,000	70,000	80,000	100,000
	B. Permanent Disablement			60,000	70,000	80,000	100,000
	C. Accident Medical Reimbursement Covers when your helper sustains an injury and requires outpatient medical treatment			1,000	2,000	3,000	5,000
	• Clinical Visit		per visit	50	75	100	200
	• Dental		per accident	-	100	250	400
	• Ambulance Fee		per year	-	100	100	100
	• Treatment by Chinese Physician		per accident	-	-	100	200
	• Physiotherapy		per year	-	-	250	300
2.	Hospital & Surgical Expenses		per day (up to 30 days)
	• Annual Limit^#			60,000	60,000	80,000	80,000
	• Hospital Cash			-	20	30	50
	Covers when your helper is hospitalized due to an injury or illnes Extend to cover Infectious Diseases Up to 90 days Pre & Post hospitalization / Day Surgery
3.	Waiver of Co-Payment for Hospital & Surgical Expenses Covers the 25% co-payment payable by an employer^#			-	Covered	Covered	Covered
4.	Wages & Levy Reimbursement Compensate you for your helper’s wages and levy if she is hospitalized due to an injury or illness^#		per day (up to 30 days)	-	40	50	60
5.	Alternative Maid Services Pays for the cost of hiring temporary help if your helper is hospitalized due to an injury or illness^#		per day (up to 30 days)	-	100	150	200
6.	Replacement Maid Expenses Pays for the actual expenses incurred for the termination and/or employment agency’s fees incurred for hiring a replacement helper due to injury, illness or death^#			200	300	500	600
7.	Repatriation Expenses Covers transportation expenses to send your helper back to her country of origin following her permanent disablement or death			10,000	10,000	10,000	10,000
8.	Family Grant Pays a lump sum benefit to the helper’s estate following her death which arises out of an injury or illness sustained during the period of insurance			-	2,000	3,000	5,000
9.	Insurance Guarantee Bond (to Ministry of Manpower) A letter of guarantee for a $5,000 Security Bond will be issued on behalf of MOM			5,000	5,000	5,000	5,000
10.	Liability to Third Parties Covers for legal liability to third party accidental death, bodily injury or property damage caused by your helper during her employment in Singapore			-	3,000	5,000	7,000
11.	Maid Personal Belongings Pays for the loss or damage to your helper’s personal belongings due to fire or theft at your house^#			-	1,000	2,000	4,000
12.	Home Contents Compensate for loss or damage to your home contents arising out of a fire caused by your helper^#			5,000	10,000	15,000	30,000
OUTPATIENT PRIVILEGES FOR HELPER
	Outpatient Medical Subsidized consultation fee at our panel of clinics⁺			-	Included	Included	Included
	Outpatient Dental Consultation fee at our panel of clinics⁺when treatment is done Subsidized treatment fee at our panel of clinics⁺			- -	Waived Included	Waived Included	Waived Included
PREMIUM RATES (with 9% GST)
	Aged 50 & Below
	14 Months			390.40	428.80	449.40	532.80
	26 Months			507.00	556.90	583.60	692.00
	Aged 51 & Above
	14 Months			1,081.60	1,131.40	1,156.50	1,239.90
	26 Months			1,404.70	1,469.30	1,501.90	$1,610.30
OPTIONAL COVERAGE PREMIUM RATES (with 9% GST)
13.	Waiver of Counter Indemnity (Excess $250) Relieve your liability in the event MOM makes a demand for security bond payment			54.50
14.	Enhanced Medical Benefits 14 Months - Aged 50 & below - Aged 51 & above 26 Months - Aged 50 & below - Aged 51 & above			81.80 239.80 105.80 411.00
	A.	Additional Hospital & Surgical Expenses (Add-on to the annual limit under Section 2)	10,000 Per year
	B.	Critical Illness (Major Cancers, Heart Attack, Stroke, CABP, Kidney Failure)	10,000
	C.	Mobility Aid Reimbursement^# (for purchase of mobility aid equipment such as wheelchairs and crutches as prescribed by a certified doctor )	500 Per year
	D.	Free Medical Tele-Consultation^* (3 times for Employer \| 3 times for your helper )	Per year
	Six-Monthly Medical Examination (MOM)^* Includes Physical Examination & Blood Test: VDRL + Pregnancy only Up to 2 times (14 Months policy) Up to 4 times (26 Months policy)			54.50 109.00

# Reimbursement Basis
+ Please refer to our website www.hlas.com.sg, for the full panel of clinics. Terms & conditions apply.
* Please refer to the email from our partner for details if you have purchased our Enhanced Medical Benefits.