▎家事移工發生職災不要怕，職災保險守護你！ 我陪阿公去看醫生的時候，不小心被車撞到腳骨折，不只無法工作賺錢，還要支付大筆醫藥費，我可以尋求那些保險的幫助呢？ 由於家事移工屬於職災保險的強制納保對象，若移工在照顧長輩的工作中，遇到意外受傷，便可以申請職保的理賠給付。此外，因雇主應依勞動契約規定為移工投保商業意外險，當移工發生意外時，亦可以同時申請商業保險理賠唷！ 職災保險理賠 •傷病給付-因職災傷病意外無法工作，無法領取薪資的補償 •醫療給付-因職災傷病就醫的各項醫療費用 ※若發生重大職災意外，導致移工失能或死亡，亦有相關補償給付 商業意外險理賠 依據各家保險條款不同，可申請意外事故醫療(如病房費、各項醫療雜費或手術保險金等)、失能或死亡理賠 英文版 ▎Live-in foreign workers injured at work are covered by occupational accident insurance When I took grandpa to hospital I was hit by a car and my leg was broken. Now I’m not only unable to work and make money I also have to pay expensive medical fees. Is it possible to find insurance that will help cover these costs? In Taiwan, it is compulsory for all live-in care workers to be covered by occupational accident insurance.As such, if a foreign worker is injured while looking after a care recipient, he or she can claim occupational accident insurance benefits. In addition, because employers are required, as per the terms of the labor contract, to provide foreign workers with commercial accident insurance, if a foreign worker is in an accident he or she can also apply for commercial accident insurance benefits. Occupational accident insurance •Injury or sickness benefits-These supplementary payments are made when an individual is unable to work normally and earn a salary as the result of an occupational accident •Medical benefits-This covers various medical costs when an individual suffers an occupational injury or sickness and has to seek medical treatment. ※In the event of a severe occupational accident that leaves a foreign worker disabled or dead related compensatory benefits are also available Commercial accident insurance Based on different insurance regulations, foreign workers can apply for compensation to cover accident medical costs (including ward fees, miscellaneous medical fees, surgical insurance etc.), disability or death 印尼文版 ▎Pekerja migran sektor rumah tangga mengalami kecelakaan kerja tidak perlu merasa takut karena ada asuransi kecelakaan kerja akan melindungi Anda! Saat saya mendampingi kakek ke rumah sakit, tanpa sengaja ditabrak mobil hingga kaki cedera patah tulang, selain tidak bisa bekerja, masih ada biaya pengobatan besar yang harus dibayar, asuransi mana sajakah yang bisa membantu saya? Dikarenakan pekerja migran sektor rumah tangga juga wajib diikutsertakan dalam asuransi kecelakaan kerja, apabila selama bekerja merawat lansia mengalami kecelakaan dan cedera maka dapat mengajukan klaim asuransi kerja.Selain itu, sesuai dengan ketentuan kontrak kerja majikan harus membelikan pekerja migran asuransi komersial untuk jaminan kecelakaan, ketika pekerja mengalami musibah maka secara bersamaan juga dapat mengajukan kompensasi asuransi komersial loh! Kompensasi Asuransi Kecelakaan Kerja •Klaim cedera-Kompensasi cedera akibat kecelakaan kerja sehingga tidak dapat bekerja dan tidak menerima gaji •Klaim perawatan medis-Berbagai biaya pengobatan cedera akibat kecelakaan kerja ※Apabila mengalami kecelakaan kerja yang parah menyebabkan pekerja migran disabilitas atau meninggal dunia, maka akan ada dana santunan yang relevan. Kompensasi Kecelakaan Kerja Asuransi Komersial Disesuaikan dengan ketentuan setiap perusahaan asuransi yang berbeda, Anda dapat mengajukan klaim jaminan kecelakaan untuk biaya perawatan medis (seperti kamar rawat inap, berbagai macam biaya lain-lain dalam perawatan medis atau pertanggungan biaya bedah operasi ), kompensasi disabilitas atau meninggal dunia. 越南文版 ▎Khi x?y ra tai n?n lao ??ng, ng??i lao ??ng nh?p c? l?m vi?c t?i gia ??nh ??ng s? h?i, b?o hi?m tai n?n lao ??ng s? b?o v? b?n! Khi t?i ?ang c?ng ?ng c? ?i kh?m b?nh, v? t?nh b? xe ??ng g?y x??ng ch?n, kh?ng nh?ng kh?ng th? ?i l?m ki?m ti?n m? c?n ph?i tr? m?t s? ti?n ?i?u tr? l?n, t?i c? th? t?m ki?m s? tr? gi?p t? b?o hi?m n?o? V? lao ??ng nh?p c? l?m vi?c t?i gia ??nh b?t bu?c ph?i tham gia b?o hi?m tai n?n lao ??ng, n?n n?u ng??i lao ??ng nh?p c? g?p ph?i th??ng t?ch do tai n?n khi ch?m s?c ng??i l?n tu?i th? c? th? n?p ??n xin tr? c?p b?i th??ng t? b?o hi?m tai n?n lao ??ng. Ngo?i ra, do ng??i s? d?ng lao ??ng ph?i tham gia b?o hi?m th??ng m?i v? tai n?n th?ng th??ng cho ng??i lao ??ng nh?p c? theo quy ??nh c?a h?p ??ng lao ??ng, n?n khi ng??i lao ??ng nh?p c? g?p tai n?n, h? c?ng c? th? ??ng th?i n?p ??n y?u c?u b?o hi?m th??ng m?i b?i th??ng! B?i th??ng BH tai n?n lao ??ng •B?i th??ng th??ng t?t ?m ?au-Kh?ng th? l?m vi?c do b? tai n?n lao ??ng, ?m ?au v? kh?ng ???c tr? ti?n l??ng. •B?i th??ng ?i?u tr? b?nh-Chi tr? c?c chi ph? ?i?u tr? th??ng t?t , ?m ?au. ※N?u x?y ra tai n?n lao ??ng nghi?m tr?ng d?n ??n ng??i lao ??ng nh?p c? b? t?n t?t ho?c t? vong th? c?ng s? ???c h??ng c?c b?i th??ng li?n quan. B?i th??ng BHTNL? th??ng m?i T?y thu?c v?o ?i?u kho?n c?a t?ng c?ng ty b?o hi?m, c? th? tham gia b?o hi?m v? ?i?u tr? y t? do tai n?n (ch?ng h?n nh? chi tr? ph? ph?ng b?nh, c?c chi ph? y t? kh?c nhau ho?c b?o hi?m ph?u thu?t, v.v...), b?i th??ng t?n t?t ho?c t? vong. 泰文版 ▎????????????????????????????????????????????????????????? ????????????????????????????? ????????????！ ??????????????????????????????????????????????????? ??????????????????????????????????????????????????????????????????????????????????????????????????????????????? ???????????????????????????????????????????????????????????????????????????????????????????? ??????????????????????????????????????????????????????????????????????????????????? ?????????????????????????????????????????????????? ????????????????????????????????????????????????????????????????????????????????? ????????????????????????????????????????????????????????????????????????????????????????！ ??????????????????????????????????????? •????????????????-???????????????????????????????????????????????????????????????????????? •???????????????????-????????????????????? ※???????????????????????????????????????????????????????????????????????????????????????????????????? ????????????????????????????? ?????????????????????????????????????????????????????????????? ???????????????????????????????????????????????????????? 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