有专业人士现身真是太好了Term 是这样的： If your foreign maid suffers an injury or sickness and needs to stay in hospital while in Singapore or needs to go into hospital as an emergency while she is overseas, we will pay for the necessary and reasonable hospital and surgical expenses (including day surgery), recommended or asked for by a medical practitioner for your foreign maid to be treated in a hospital, up to the limit shown in the schedule 有提到 including day surgery, 可是好像还是要进医院才可以呢。这样子如果我们在诊所做应该就不算了吧。 还有那个Pre-existing condition 的问题： General Exclusion 里的一项： pre-existing medical conditions or physical problems happening before the start of the policy unless your foreign maid had been working in Singapore for more than 12 months in a row; 这样看来，在换保险公司之前出现的问题，只要女佣之前已经在我们家做了一年，就不是问题了吧？