As an overseas Filipino worker, given a chance to work abroad is a good opportunity for you to provide for your family but there are also risks involved. there are a number of times that we read or watched from social and mainstream media about cases of abuse, maltreatment, and discrimination among OFWs especially those who are working as household service workers particularly in the Middle Eastern countries. For OFWs working in companies, there are cases of sudden dismissal or termination, accidents which often cause disability or even death.
That is the reason why OFWs are given mandatory insurance to ensure the protection and welfare of the OFW and their family should anything untoward happen to them.
That is the reason why OFWs are given mandatory insurance to ensure the protection and welfare of the OFW and their family should anything untoward happen to them.
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KaBayan Insurance gives security and readiness to the OFW family for any unexpected circumstances to the Filipinos who are working in other countries across the globe.
It provides comprehensive coverage to overseas Filipino workers as required under the Compulsory Insurance for Agency Hired Migrant Workers as approved under Section 23 of R.A. 10022.
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This insurance package includes protection for OFWs by providing several benefits such as:
Repatriation
- Cost of the worker when his/her employment is terminated by the employer without any valid cause, or by the employee with just cause, including transport of his/her personal belongings. In case of death, the insurance provider shall arrange and pay for the repatriation of the worker’s remains and belongings.
- Cost of the worker when his/her employment is terminated by the employer without any valid cause, or by the employee with just cause, including transport of his/her personal belongings. In case of death, the insurance provider shall arrange and pay for the repatriation of the worker’s remains and belongings.
Subsistence Allowance
- Financial assistance is given to the OFw who is involved in a case or litigation for the protection of his or her rights in the host country.
- Financial assistance is given to the OFw who is involved in a case or litigation for the protection of his or her rights in the host country.
Legitimate Money Claims Insurance
- Monetary claims arising from the employer's liability which may be given to the OFW in a judgment or settlement of the case in the National Labor Relations Commission (NLRC).
- Monetary claims arising from the employer's liability which may be given to the OFW in a judgment or settlement of the case in the National Labor Relations Commission (NLRC).
Compassionate Visit
- In case a worker is confined for more than seven (7) days, he or she shall be entitled to a compassionate visit to one (1) family member or requested individual. This benefit covers the transportation cost of the visit.
- In case a worker is confined for more than seven (7) days, he or she shall be entitled to a compassionate visit to one (1) family member or requested individual. This benefit covers the transportation cost of the visit.
Medical Evacuation Insurance
- In case an adequate medical facility is not available, proximate to the migrant worker, as determined by the insurance company's physician and the consulting physician, evacuation with the proper medical supervision by the mode of transport will be provided by this benefit.
- In case an adequate medical facility is not available, proximate to the migrant worker, as determined by the insurance company's physician and the consulting physician, evacuation with the proper medical supervision by the mode of transport will be provided by this benefit.
Medical Repatriation Insurance
- In case that a migrant worker, as determined by the insurance company's physician and consulting physician, needs to be transported to his or her country of origin under medical supervision to the worker's residence, monetary assistance shall we provided by this benefit to cover the cost of repatriation.
- In case that a migrant worker, as determined by the insurance company's physician and consulting physician, needs to be transported to his or her country of origin under medical supervision to the worker's residence, monetary assistance shall we provided by this benefit to cover the cost of repatriation.
The Kabayan Insurance also provides the following life benefit coverages:
Accidental Death Benefit
- At least Fifteen Thousand United States Dollars (US$15,000.00) benefit is payable to the migrant worker’s beneficiaries.
- At least Fifteen Thousand United States Dollars (US$15,000.00) benefit is payable to the migrant worker’s beneficiaries.
Natural Death
- At least Ten Thousand United States Dollars (US$10,000.00) benefit is payable to the migrant worker’s beneficiaries.
- At least Ten Thousand United States Dollars (US$10,000.00) benefit is payable to the migrant worker’s beneficiaries.
Permanent Total Disablement
- At least Seven Thousand Five Hundred United States Dollars (US$7,500.00) disability benefit is payable to the disabled migrant worker. The following disabilities shall be deemed permanent: total complete loss of sight of both eyes; loss of two limbs at or above the ankles or wrists; permanent complete paralysis of two limbs; brain injury resulting to incurable imbecility or insanity.
- At least Seven Thousand Five Hundred United States Dollars (US$7,500.00) disability benefit is payable to the disabled migrant worker. The following disabilities shall be deemed permanent: total complete loss of sight of both eyes; loss of two limbs at or above the ankles or wrists; permanent complete paralysis of two limbs; brain injury resulting to incurable imbecility or insanity.
All these disabilities must be due to accident or by any health-related cause or sickness or ailment suffered during the duration of the migrant worker’s employment.
Service in the armed forces in any country or international authority, whether in peace or war, shall serve as the only exclusion to the limits of liability.
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This is filed under overseas Filipino worker, work abroad, abuse, maltreatment, household service workers, termination, mandatory insurance