Chaye,
Why not get the gynae or a surgeon to get a biopsy of the tissue to do a proper diagnostic (I don't know how much that will cause though, or check if the insurance covers that). If it's a benign cyst, then all your worries will be gone. If it's a cancer (**choy choy, touch wood**), then you can start to plan now (get a new maid, put kids to cc, etc), which you have about 1 month time, rather than wait for her to go back to Phil and wait for the results, then everything will be very rush. That is if you really want to keep this maid and she is really of good help to your family lah. If you are already thinking of changing maid, then ya, what Krystle said is right lor, you already agree to pay part of her medical cost, which is fair enough already.