Insurance information covering domestic employees

Insurance Assist covers your domestic employees

Iemas Insurance Brokers offers value adding products in the form of Insurance Assist. Insurance Assist is available to you 24 hours a day should you have a flat tyre, flat battery, need medical assistance or even a plumber. This value added product includes the Domestic Employee Compensation Plan.

Did you know, that you have cover for people who work in your home against injury, disability and death? The Domestic Employees Compensation Plan covers all domestic employees.

Your domestic employees have cover for accidental injury or death arising out of and in the course of employment while on duty in the policyholders’ service as a domestic employee or while on the premises of the policyholder, sustained directly as a result of violent, accidental, external and visible means if such injury shall be the sole and direct cause of death and disablement within 24 months of the accident.

The following benefits are available to full-time, part-time or casual domestic employees including housemaids, gardeners, chauffeurs, child-minders and the like, who have entered into a contract of employment, whether written or verbal, with you, the policyholder.

  • Death; R15 000.00.
  • Permanent Disablement; The percentage of R15 000.00 (maximum benefit) in accordance with the table of permanent disablement.
  • Medical Expenses; An amount of R100.00 for each day, which is defined as a 24-hour period, encompassing midnight spent in hospital, to a maximum of 130 days per annum.  An amount of R2 000 for out-of-hospital medical expenses. A deductible of R100.00 will apply to each claim.
  • Emergency Medical Transportation; All reasonable costs (up to R500.00) for an ambulance to transport the injured domestic employee to the closest hospital/emergency medical facility in the case of an emergency, following the accident

There is also cover under the Domestic Employer legal helpline and settlement cover, to assist the policyholder should the policyholder become legally liable to pay compensation as result of an award or settlement made against the policyholder by the CCMA on behalf of the policyholder’s domestic worker resulting from a dispute occurring during the period of insurance.

Please refer to the full policy wording for all the terms and conditions.

For enquiries or applications:

SMS ‘Quote’ to 32297 (R1/SMS)

Call 0860 102 383

Email iemasinsurancebrokers@iemas.co.za

Find Iemas Insurance Brokers here.

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