tell your maid to loan money from OWWA (all the information is stated on the card, you can ask her for the card as you pay the OWWA fee) :
OWWA Programs & Services
Section E - Loan Guarantee Fund
no. 2 Family Assistant Loan
Besides, in Phil
there are 2 kinds of medical services: government & private
the fee for government service is pretty low
if she has been working oversea for 5 years, she is supposed to get governement insurance (provided she has send the information & payment, which is very small amount for 1 year) to cover the whole family for medical and education
this is the benefit of Phil government to all oversea workers
such insurance is enough to cover the medical fee in private medical service
we are always nice & good employer
therefore tell your maid to get loan from OWWA & Phil government insurance can cover the medical fee in private medical service
furthermore, state the fact that we are not rich enough to have $10,000 cash flow at anytime for her