What is the most basic Liberty insurance MaidCare insurance that covers everything the government requires?

I just got a helper and I need to get insurance coverage but I am looking at the most basic plan first before potentially upgrading to a better plan for her.

Liberty Insurance MaidCare Maid Insurance

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Nathaniel

15 Apr 2020

The most basic domestic helper plan from Liberty:

26 months: $267.50

14 months: $200.63

Summary of benefits:

Death: $60,000
Hospital & Surgery: $15,000
Medical expenses : $1,000
Repatriation expenses: $10,000

The basic plan doesn't include:

Re-hiring expenses
Outpatient kidney dialysis/cancer
Wages/levy reimbursement
Daily medical cash payout if hospitalised

These above items are included in the higher-tier plans. You can save up to 25% on business insurance at https://www.providecover.com/

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Liberty Insurance MaidCare Maid Insurance

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Up to $60,000

DEATH OR DISABLEMENT BENEFIT

Up to $60,000

HOSPITAL OR SURGICAL BENEFIT

Up to $2,000

MEDICAL EXPENSE BENEFIT

N/A

3RD PARTY LIABILITY

$550.80

PREMIUM AMOUNT

For insurance, what are the basic items required to be covered sufficiently?

Coming to my 30s, I'm reviewing insurance to ensure that I am well covered - am I under- or over-insured? Would like to seek some advice before getting more insurances if required.

Does anyone has tried Citi Premier Miles Travel Insurance by AXA? It seems like it covers the basics at least. Did you buy any extra insurance on top of it?

Hi, my dad has underlying health conditions i.e high cholesterol, blood pressure etc (basically 三高). As a result he was unable to get insured years back. Are there any options to get him covered?