Nannies provide peace of mind for couples who need help taking care of their children. To maintain that peace of mind, whether the nanny is from the United States or from another country, nanny health insurance is a must.
Some nannies, especially those who are not U.S. citizens, may underestimate the need for nanny insurance, and may prefer an increase in pay instead, so that they can send money home. However, providing health insurance for the nanny is probably a better idea from your perspective and the nanny�s. Nannies who are non-U.S. citizens must purchase special insurance from specific companies that provide such insurance.
For one, if the nanny falls sick, or even has some form of accident, an insured nanny will seek medical assistance more often than an uninsured nanny. Also, you�d want him/her to return to work as soon as possible, and would want the medical condition to be sorted out. Also, paying a nanny health benefits can yield some tax savings for you.
For the nanny, there is nothing more debilitating than a medical condition that can potentially result in him/her being out of a job. Needless to say, a healthy nanny makes for a happy nanny. So whichever way you look at it, nanny insurance is the way to go.