Can I cancel my Performance Bond (aka Polo Bond) for Philippine Embassy add-on and get a refund?

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• 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?
• What is the security bond and is it part of FWD Maid insurance?
• I’ve only bought one benefit from the three add-ons available; I’ve changed my mind now and wish to buy another benefit, can I do so?
• If my helper falls sick while she is back in her home country during her home leave, is she covered?
• Does FWD’s maid insurance add-ons meet bond and insurance requirements set forth by the Singapore Ministry Of Manpower’s (MOM)?