Question: Is this a case of suicide? If so, it is a terrible waste of her own life.
Let me offer my humble expertise. This case easily claim under WICA (Work Injury Compensation Act ) or Common Law
Foreign employee usually on WP can only choose either one of the above mentioned
WICA:
1) Claim for medical expenses, loss of income, hospitalisation etc. (Easy peasy)
2) Claim under temporary incapacitation
3) Claim under permanent incapacitation (usually a lump sum and case closed)
Common Law:
1) Get a lawyer and fight it out at civil court (not so common)
Commentary (Speculations)
It's quite obvious that she CANNOT afford insurance coverage OR did not renew the insurance coverage in time. (I don't know, just speculating. Since, I don't have access to her accounts). Last possibility is she did not set a lump sum for the unforeseen. I would recommend least 20K.
Getting unsecured loan from licensed moneylenders might be able to tide her through till the FT's medical expenses till they have been reimbursed (if FT decided to claim WICA)
Another speculation it seems that this FT probably tried to claim under common law. This might be the reason why she suicided.
Conclusion
1) No money, don't start a business
2) Always renew / pay your insurance premiums on time
3a) Don't hire those Indians with education. Kaur seems to be those Northern Indians with some education.
3b) Indians with some education = Snakes, regardless north or south
3c) 2 points above are reality, not speculation. I had 2 encounters and it's more than enough. That's why majority of the lawyers in SG are Indians. (But they use this for a constructive use)
4) all my above points stand true for MOST of them. And I have no remorse nor feel apologetic. Stereotyping exists for a reason.