Kasambahay Protect plan is a specialized personal accident and supplemental health insurance package designed for domestic household staff (housemaids, housekeepers, yayas, cooks, gardeners, and family drivers). It provides financial security through coverage for accidental death, permanent disablement, unprovoked murder/assault, medical treatment reimbursement, daily hospital cash assistance for accidents and sickness, natural death cash assistance, and burial expenses.
Protect Your Household Helpers. Provide complete peace of mind and financial security for those who take care of you and your home.
Show care and gratitude for the domestic helpers who keep your home running smoothly. Standard Insurance Kasambahay Protect provides affordable personal accident, medical reimbursement, daily hospital cash, and burial coverage for household workers, housekeepers, and nannies.
Our domestic helpers (kasambahays) are an integral part of our daily lives—acting as home administrators, caregivers to our children, and trusted household support. The Standard Insurance Kasambahay Protect is a specialized household helper insurance plan designed to provide financial benefits for eligible domestic workers following covered accidents, hospitalization due to accident or sickness, and other specified events.
It gives household employers a reliable way to support their domestic staff financially when health or life emergencies occur.
Kasambahay Protect provides multi-layered financial and medical protection for your domestic staff:
Accidental Death & Permanent Total Disablement: Delivers direct financial compensation to your kasambahay’s family in the event of accidental loss of life or permanent disability sustained while policy is active.
Unprovoked Murder & Assault: Provides the applicable benefit when the insured domestic worker suffers covered bodily injury or death resulting from unprovoked murder or assault, subject to policy terms and exclusions.
Accidental Medical Expense Reimbursement: Reimburses actual hospital bills, emergency treatment costs, and doctor fees resulting from covered domestic or accidental injuries.
Daily Hospital Cash Assistance (Accident & Sickness): Provides a fixed daily cash benefit during eligible hospital confinement resulting from a covered accident or sickness. Uniquely covers hospital stays caused by both accidental injuries and natural illnesses/sicknesses to replace lost earnings.
Cash Assistance Benefit (Natural Death): Pays out a direct lump-sum financial benefit to your kasambahay’s beneficiaries if loss of life occurs due to natural causes or illness.
Burial Expense Benefit: Reimburses costs associated with a decent funeral, cremation, or burial following an accidental loss of life.
Kasambahay Protect covers domestic helpers against accidental death, permanent disablement, unprovoked murder/assault, medical treatment reimbursements, daily hospital cash for accidents and sickness (up to 30 days), natural death cash assistance, and burial expenses. It is applicable to your yaya, kusinera, family driver or any live-in or live-out domestic helper.
No. Kasambahay Protect is a supplemental private insurance. It does not replace an employer's legal obligation to register and make the required contributions for an eligible domestic worker under SSS, PhilHealth, Pag-IBIG, or other applicable government programs.
Yes. Unlike standard personal accident policies, Kasambahay Protect includes Daily Hospital Cash Assistance for hospitalizations resulting from both accidental injuries and natural illnesses/sicknesses.
Kasambahay Protect covers live-in or live-out domestic household staff, including housemaids, housekeepers, nannies/yayas, cooks, gardeners, and family drivers working within a private household.
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