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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.
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
|Insurance Plan||Best For|
|FWD Maid Insurance Essential||Best Value||Apply Now|
|Tiq by Etiqa ePROTECT Maid Plan A||Cheapest Plan||Apply Now|
|MSIG MaidPlus Classic||Comprehensive Coverage||Apply Now|
|NTUC Domestic Helper Insurance Enhanced||Personal Accident||Apply Now|
|Hong Leong Assurance Maid Protect360 Premier||Accidental Medical Expenses||Apply Now|
There are different ways to purchase maid insurance in Singapore:
Employers have to meet the minimum eligibility criteria prior to being approved to hire a foreign direct worker (FDW). This means you must:
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:
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 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 must meet the following requirements:
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.
Though MOM requires that maid insurance include the minimum medical insurance, there other benefits in the policy to keep in mind
If your helper has any pre-existing conditions, it can help filter out any policies that do not cover them, e.g. excluded treatments
Though Singapore is a tropical country, surprisingly some insurers do not cover Dengue Fever or Malari
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).
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
It’s best to buy the bond prior to the arrival of your helper.
Assuming the security bond’s terms and conditions have not been breached, you can get the bond deposit back once:
The deposit is usually refunded 7 days after the helper has left Singapore.
The deposit will not be able to be claimed back if:
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.
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.
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.
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.
Yes, most insurers will let you buy additional coverage
Most insurers will ask for the following details from your helper in their application forms:
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:
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
$35 per renewal.
It’s best to contact your insurance provider directly and complete their claims form as soon as possible.
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.
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.
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.