Upon encountering anything related to insurance, our natural instinct is to say “no thank you” and walk away. But as a wise man once said, it’s important to know your rights.
Keeping that in mind, here are 4 insurance plans you probably have not heard of. Weird, innovative, or useful – you be the judge.
Work From Home Insurance
Like it or hate it, working from home has been the default work arrangement for a while now, but not many know about the Work From Home Insurance.
The group insurance plan launched by Chubb last year provides cash benefits for employees who developed mental health issues, as well as injuries like falls and burns sustained while working from home. For those who prefer working remotely from cafes or hotel lounges, this policy also covers accidents that occur while commuting to and fro. Click here for the coverage details.
COVID-19 Cover For Domestic Helpers
Companies have been offering COVID-19 coverage plans for locals but did you know that domestic helpers are entitled to such coverage too?
Maid Insurance is not unheard of but what sets HL Assurance apart is their Maid Protect360 which protects helpers against infectious diseases such as Dengue, SARS, and COVID-19. Employers have to absorb the cost of helpers’ COVID-19 tests and stay-home notice, which can get pricey. This is where the Maid Protect360 comes in handy – it covers their 14 Day stay-home notice and subsequent home leave.
On top of benefits for personal accident & hospitalisation, outpatient medical & dental, termination/rehiring, 50% off two medical check-ups each year, and enhanced medical benefits, you’ll receive a $50 Fairprice voucher for free with every new direct purchase.
Whether you have a helper or not, we’re inviting you to earn up to $50 cash. All you need to do is share about the Maid Protect360 plan with your friends and family. Sounds easy right? If you’re keen, do join the campaign asap as submissions close on 30 June!
*This campaign is only open to individuals aged 30 and above.
COVID-19 Vaccine Insurance
In case you missed it, all Singaporeans aged 12 and above can register for the COVID-19 vaccine.
Indeed, it’s important that everyone gets the vaccine. New strains may have appeared, but as MOH states, current evidence suggests that the Pfizer-BioNTech and Moderna’s vaccines continue to offer good protection against the various COVID-19 variants. After all, some form of protection is better than none.
If you’re still on the fence about getting your shot because of the side effects, perhaps this will sway you: A number of financial institutions and insurance providers are offering free COVID-19 Vaccine Insurance. Check out the compiled list here.
To sweeten the deal, Gojek is offering two free rides (capped at $15 per ride) to everyone heading to MOH’s vaccination centres for the jab from now to 31 August 2021. Here’s a guide to accessing the vouchers on the app.
Rain Insurance
Don’t you hate it when you’re running late but can’t afford to book a cab due to the insane surge pricing?
If you are a frequent user of ride-hailing services, you’re in luck. Droplet by NTUC Income protects you from price surges of Grab, Ryde, and Gojek rides when it rains.
They predict the weather for up to 15 days in advance and determine the premium. There are currently 3 coverage periods offered: 1 to 6 days, 7 to 14 days, and 15 to 30 days. Prices vary but at the time of writing, it ranges from $1.10 to $2.60.
How it works: If it rains during the period you’re insured, proceed with booking your ride and foward your e-receipt to Droplet. After your claim has been verified, you will receive up to 60% of your Grab, Ryde, or Gojek fare via PayNow. Multiple receipts can be submitted within a day, but you can only claim up to $50 each day.
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