If my helper falls sick while she is back in her home country during her home leave, is she covered? Faith, your friendly assistant September 27, 2021 13:37 Updated No, the cover does not extend while she is back at her home country during her home leave. Related articles Can I cancel my Performance Bond (aka Polo Bond) for Philippine Embassy add-on and get a refund? Can I cancel the outpatient medical expenses add-on and get a refund? My maid is from the Philippines and I need a letter of guarantee to the Philippine Overseas Labor Office (POLO). Does FWD Maid insurance include this? Does FWD’s maid insurance add-ons meet bond and insurance requirements set forth by the Singapore Ministry Of Manpower’s (MOM)?