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ePROTECT Maid Plan A (14 months)

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ePROTECT Maid Plan B (14 months)

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Maid Insurance Essential (14 months)

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NTUC Domestic Helper Insurance Basic (14 months)

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ePROTECT Maid Plan C (14 months)

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NTUC Domestic Helper Insurance Standard (14 months)

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NTUC Domestic Helper Insurance Enhanced (14 months)

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ePROTECT Maid Plan A

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Maid Insurance Enhanced (14 months)

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ePROTECT Maid Plan B

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  • Maid Insurance Basics Basics

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How does maid insurance work?

When you hire a maid in Singapore, the Ministry of Manpower requires you to take out Maid insurance to provide work-related medical and accident coverage for your maid while they are working in the country.

In extreme accidents or situations that result in your maid’s death or permanent disability, the insurer will also dispense a lump sum to the maid’s dependents.

Importance of Maid Insurance

Apart from being a legal requirement from the Ministry of Manpower, maid insurance also provides extra peace of mind by acting as a safety net in for your helper in the event they are subject to an unfortunate accident, it can also provide general medical coverage for the occupational hazards that come with the helper’s job scope. Insurance pay-outs can assist in paying the helper’s wages during a lapse in service caused by an accident and the minimum insurance plans can be boosted via add-ons that can also provide coverage for any outpatient medical costs and third-party liabilities

Best Maid Insurance in Singapore (2021)

Insurance PlanBest For
FWD Maid Insurance EssentialBest Value Apply Now
Tiq by Etiqa ePROTECT Maid Plan ACheapest PlanApply Now
MSIG MaidPlus ClassicComprehensive CoverageApply Now
NTUC Domestic Helper Insurance EnhancedPersonal Accident Apply Now
Hong Leong Assurance Maid Protect360 PremierAccidental Medical ExpensesApply Now

Purchasing Maid Insurance

There are different ways to purchase maid insurance in Singapore:

Comparison Sites
These sites allow you to directly compare policies from different providers to the one that best suits your needs.
Insurance Provider
You can go directly to your preferred insurance company (that offers Maid insurance) and buy it online.
Maid Agency
If you have hired a maid or helper through an agency, you can also choose to buy maid insurance through the agency itself as well.

How to hire directly?

Employers have to meet the minimum eligibility criteria prior to being approved to hire a foreign direct worker (FDW). This means you must:

  • be 21 years old and above
  • not be an undischarged bankrupt
  • have the mental capacity to fully understand and discharge your responsibility as an employer
  • have the financial ability to hire, maintain and upkeep the FDW in an acceptable accommodation
  • attend an Employer Orientation Programme (EOP) before you apply for an FDW (this is for first-time employers).

Once you have been approved, the Ministry of Manpower has eligibility criteria that your helper will have to meet prior to being considered. This means that the candidate must be:

  • a female between the ages of 23 to 50 years old at the time of application
  • from approved source country including Indonesia, Bangladesh, Cambodia, Hong Kong, India, Macau, Malaysia, Myanmar, Philippines, South Korea, Sri Lanka, Taiwan, and Thailand.
  • unrelated to the employer
  • employed at your home address as stated on your NRIC
  • certified with the Settling-In-Programme if this is their first time seeking employment as a domestic worker in Singapore.

Maid Insurance Duration

Policies normally last between 14 or 26 months in order to align with either a one-year or two-year term of service. Two months leeway is also granted as a Ministry of Manpower requirement and allows for additional protection for the helper after their work permit expires. While 14-month plans are lower-commitment, longer term plans (like 26-months) tend to be more affordable.

Maid Insurance Cost

Maid Insurance usually takes the form of a 14-month policy or a 26-month policy. 14-month policies appear to be cheaper (ranging from $184 to $351) but 26-month policies (ranging from $239 and $456) can allow for savings of up to 30% a year on premiums

Employers’ Obligations Towards Maids

Employers must meet the following requirements:

  • only employ those with a valid work pass.
  • provide your helper with proper housing.
  • ensure your helpers get a medical examination from a Singapore-registered doctor (the work permit will be invalidated if they are deemed medically unfit)
  • take out medical insurance for your helper that has the required minimum coverage of $15,000 a year for in-patient care and day surgery, and a personal accident coverage of $60,000 a year
    pay the monthly foreign worker levy for each helper.
  • purchase a security bond for each non-Malaysian worker
  • pay your helper’s salary in a timely manner (as declared to the MOM).
  • pay your helper the cost of their upkeep and maintenance, including the cost of medical treatment

Employers must not demand or receive any sum or other benefit from an employment agency or any other person in connection with the employment or change in employment of a foreign worker.

Further Things to Consider

Though MOM requires that maid insurance include the minimum medical insurance, there other benefits in the policy to keep in mind

Domestic Helper’s Liability
This gives you indemnity against any cost incurred from accidental bodily injury to any third parties, including any accidental damage to any third parties’ properties, as committed by your helper.
Daily Wages & Levy Reimbursement
This will help to cover your helper’s wages during periods where they are unable to work, e.g. due to an accident or hospitalisation.
Outpatient Expenses
A lot of medical benefits exclude outpatient expenses so it is worthwhile checking what is actually covered in case it those expenses are needed.
Replacement Maid Expenses
In extreme cases your helper may suffer an accident that results in death or permanent disability. Replacement maid expenses covers the agency fees required to source a new worker.
Special Grant
This covers any funeral expenses and is payable to your helper’s family.
Domestic Helper’s Personal Belongings
This benefit covers any theft or damages incurred to your helper’s personal belongings during the term of employment.

Check for Pre-Existing Conditions

If your helper has any pre-existing conditions, it can help filter out any policies that do not cover them, e.g. excluded treatments

Check if Dengue and Malaria are Covered

Though Singapore is a tropical country, surprisingly some insurers do not cover Dengue Fever or Malari

Check for Waiver

As life and people are often unpredictable, it’s worthwhile to check the additional waiver of counter indemnity as it will have a huge effect on your security bond liability (from $5,000 to $250).

What is the $5,000 Security Bond and is it necessary?

The security bond normally takes the form of an insurance plan where the provider acts as a agrees to pay the government $5000 in the event the employer (you) or your helper breaks a law or Work Permit conditions. Security bond insurance is required for every helper you employ, unless they are Malaysian.

However, if the Ministry of Manpower’s rules and conditions, have been breached, after paying the claim to MOM, your insurance provider will then claim the cost from you

When should you buy the Bond?

It’s best to buy the bond prior to the arrival of your helper.

When and how do you get your Bond Deposit back?

Assuming the security bond’s terms and conditions have not been breached, you can get the bond deposit back once:

  • your helper has completed their term of employment
  • their work permit has been cancelled,
  • your helper has returned to their country of origin successfully.

The deposit is usually refunded 7 days after the helper has left Singapore.

Under what circumstances will the bond deposit be forfeited?

The deposit will not be able to be claimed back if:

  • you or your helper has breached any of the terms and conditions in the Work Permit or security bond
  • you do not pay your helper’s salary in a timely manner
  • you do not send your helper back to their country of origin after their Work Permit is no longer valid,
  • your helper goes missing.

You will not, however, be liable if you can prove that you have carried out the required due diligence, and report on any non-compliances that you detect. For example, if you have informed the helper of the Work Permit conditions, but they have shown signs that they will not comply with what is required.

How can employers protect their bond deposit?

You can purchase an optional “waiver of indemnity.” This will protect the deposit in case the conditions of the security bond or Work Permit are breached (outside your ability to control it). The insurer can then cover the majority of the security bond and reduce your liability from $5000 to $250.

Why are the insurance periods 14 or 26 months when the work permits are issued at 12 or 24 months?

This a requirement from the Ministry of Manpower and provides additional 2 months of protection for helpers in the event they happen to overstay in Singapore after their work permit has expired.

If my helper requires outpatient treatment, will the expenses be covered?

Only when the injury is due to an accident. It’s best to check the details of coverage under ‘Outpatient Expenses’ specifically instead of looking at ‘Medical Coverage’ generally.

Can I increase coverage for my domestic helper?

Yes, most insurers will let you buy additional coverage

What details are needed to apply for maid insurance in Singapore?

Most insurers will ask for the following details from your helper in their application forms:

  • their work permit number
  • their passport number
  • their SB transmission number (located on the top right corner of the in-principle approval or renewal letter from the Ministry of Manpower)

What do I do if I need to terminate the maid insurance early?

Most insurers will allow a refund of the insurance amount on a prorated basis but it’s best to double check the policy documentation for exact details.
Early cancellation will first require:

  • the repatriation of your helper to their home country
  • the cancellation of the work permit within 7 days of your helper’s departure
  • an application to your insurer to cancel the maid insurance (this is after the work permit cancellation has been approved).

How to apply for a work permit?

You can either go through an enrolment agency or apply on your own by going to the Ministry of Manpower online. Work Permits incur a total cost of $70 – half when you submit an application and the other half after the Work Permit is issued

How much does it cost to renew a maid work permit?

$35 per renewal.

How to make Maid insurance claim?

It’s best to contact your insurance provider directly and complete their claims form as soon as possible.

What is the reimbursement of indemnity/waiver of counter indemnity paid to the insurer?

If you are willing to pay an additional premium to your insurance provider, this reimbursement of indemnity/waiver of counter indemnity can protect your bond deposit in the event any breach of the Work Permit or security bond conditions occurs that is not your fault. It can lower your bond liability from $5,000 to $250.

How does the wages and levy reimbursement benefit work?

This benefit allows for the insurance company to cover your helper’s wages in case they become hospitalised or injured and are unable to work. A specified sum is usually paid daily for a certain period of time, e.g. $30 a day for 30 days.

Is the compulsory coverage enough?

Compulsory coverage usually has a minimum coverage of $15,000 a year for in-patient care and day surgery with a personal accident coverage of $60,000 a year.

Assessing the suitability of this minimum compulsory coverage depends greatly on the employer themselves, the employer’s budget, the nature of the helper’s work, and what is appropriate for the expected work conditions. By purchasing add-ons to the main maid insurance, it could potentially save you more money in the event your helper gets into a serious accident, however the premiums for the additional benefits are also costlier in turn. The employer may assess that more coverage is required for example, for helpers working as carers for the elderly (which will require more heavy lifting of adult bodies and greater risk of strain) than helpers who care for young children.

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