Health Insurance for Maid / Nanny? | ExpatWoman.com
 

Health Insurance for Maid / Nanny?

2287
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EW EXPERT
Latest post on 23 December 2012 - 12:28
Finally: So it is Gargash, their insurance company, and we pay 3000 dhs/year (sorry, not 2500 as I mentioned before)
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EW NEWBIE
Latest post on 09 December 2012 - 23:48
We are in the process of getting a maid and we will certainly be insuring her with a good quality medical coverage because 1. its her right and 2. what will you do as her employer if she gets really sick god forbid? We've all come across those cheeky companies with the crappy medical plans for their employee's. I dont want to be like those cheap b*****s! Were all on RSA through DH's work and we would get her an equally as good insurance, of course slightly cheaper.
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EW EXPLORER
Latest post on 18 November 2012 - 17:20
Yes, recommendations would be great please - BUMP! DR, you really are a very kind person.
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EW NEWBIE
Latest post on 18 November 2012 - 13:39
Oopsiedaisy I would also be very interested in hearing what company you are with as my quotes are also coming in very high... AXA was the "cheapest" so far but do not do direct billing for the 1st 9 months and also I have read some pretty negative feedback on here about AXA so am quite reluctant.... Any suggestions?
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EW NEWBIE
Latest post on 17 November 2012 - 13:50
Oopsiedaisy could you tell us which company you used? I called several insurance companies and all the quotes were well above 2.500 DHS. Desert Rose I am praying for your little boy. I hope he recovers soon.
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EW OLDHAND
Latest post on 13 November 2012 - 18:25
Mmmmmm, you wont regret buying the insurance. I had all of my lot insured to the hilt and a stupid mistake when reading the date of expiry on the cards meant some of them were left insured for a few weeks. During that time the wee ones illness became obvious. What scuppered us? Well it was the way the expiry date was written - 9/10/2012 can mean 2 things and me and my right hand man took it to mean the wrong one. Anyway ladies, thank you for your good wishes, the wee one didnt have his op today because there wasnt an paediatric ICU bed for him so we're hoping it will happen tomorrow.
5452
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EW MASTER
Latest post on 13 November 2012 - 10:09
To my knowledge the healthcard is pretty useless when it comes down to it. I didn't want to take any risks and got our maid private insurance. AED 2500/yr. @desertrose, what a horrible situation. Take care. Which company did you use?
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EW NEWBIE
Latest post on 13 November 2012 - 08:57
Good morning ladies and thanks for your comments, DR, Im so, so sorry to hear your story. What a horrendous situation to be in. However, you are such a good person covering what you can, while you can. So many people in this world would just wash their hands of the situation altogether. Thank goodness there are people like you in the world! Not to make light of things but this story has really made up my mind for me. It's silly to have to hear such a story to make things so clear in my head but thank you. I very much appreciate the time you have taken to comment. And I really hope that you find a way through this.
2287
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EW EXPERT
Latest post on 13 November 2012 - 02:28
To my knowledge the healthcard is pretty useless when it comes down to it. I didn't want to take any risks and got our maid private insurance. AED 2500/yr. @desertrose, what a horrible situation. Take care.
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EW NEWBIE
Latest post on 13 November 2012 - 00:37
Desert Rose Im praying for all of you. God bless you
1337
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EW OLDHAND
Latest post on 12 November 2012 - 23:54
Insure, Insure, Insure. I cannot stress that enough. You just never know whats around the corner and if people think maids dont become ill with anything serious they are deluded. My daughters maid has just finished breast cancer treatment, she's 36. We chose not to send her home to have treatment for the simple reason it would have been handing her death sentence wrapped up in an airline ticket. One of my own maids has had to have treatment for kidney stones. And though this next example is not about a maid - its about my right hand mans son who is 3 years old and currently battling Lukemia. To date its costing us an average of 20.000 dirhams weekly because me and his dad made a stupid mistake with the dates of the insurance and we found some of the staff not covered for 3 weeks. The wee one was diagnosed during the time he wasnt covered and if our circumstances were different - we'd be in deep doodah financially by now. As it is we are starting to gulp when seeing the hospital bills that we receive daily. He's been in there 7 weeks now and only today was diagnosed with a brain abscess that means neurosurgery tomorrow, and ICU stay, and more scans. I think on average each dose of chemo plus all that goes with it is about 10,000 dirhams. He's on weekly chemo. Then there are the other things on top of the chemo. He's into week 7 of treatment that will more than likely last two years in one form or another. I've told you this just to illustrate what can happen, and believe me, when it does - having a persons life in your hands via your bank account is the worst thing ever. You are responsible for their life!!!!!!!!!!!!! I wouldnt wish it on anyone. I am dreading the day we may have to say - I'm sorry we cant continue to pay for this. If it goes to needing bone marrow transplants or he has a relapse further down the line and needs the treatment all over again I honestly dont think we can. I have my son to think about the rest of his life, and it really is as cruel as that. I have to chose my sons care and well being. Dont ever let yourself get into this situation with anyone because you wont like yourself very much if you do. So get your staff insured, it doesnt cost much, about 2000dhms a year. Your staffs well being is worth it - as is your emotional well being if things go wrong and you have to think of money before a persons life. edited by DesertRose1958 on 13/11/2012 <em>edited by DesertRose1958 on 13/11/2012</em>
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EW OLDHAND
Latest post on 12 November 2012 - 18:16
as for accidents whilst working you can often have your maid added to your home insurance. We added ours for not much extra money, so if she falls down the stairs while cleaning, the medical would be under the home insurance.
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EW NEWBIE
Latest post on 12 November 2012 - 17:50
Thanks ladies for the info. Im just wondering would it be better to take out a basic health insurance for her rather than risk having to cover costs.... Individual choice I suppose... Thanks again!
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EW EXPERT
Latest post on 12 November 2012 - 17:27
The Iranian Hospital happens to be very conveniently located for me, and their health card gets you a 20% discount on all treatment. When the staff saw that I was paying for the maid's dental (and not expecting maid to pay me back), they found all kinds of ways to reduce the treatment prices. Zulekha hospital, New medical center, Prime medical center are all well-priced, hygienic places.
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EW MASTER
Latest post on 12 November 2012 - 17:13
I just pay out of pocket to take my maids to the doctor's if they are sick. It's just a risk you take when hiring a maid. I recently paid about 700 dirhams for emergency dental work for my maid for problems stemming from poor dental hygiene. The health card covers nothing and government is more expensive than private nowadays.
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EW NEWBIE
Latest post on 12 November 2012 - 14:03
What do you ladies normally do please? Do you just apply for the health card or do you take out personal private insurance for your maid? If you get the health card, what does it cover exactly please? Thanks so much for any info you may be able to provide!
 
 

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