A domestic helper can help you in many ways, from caring for your children and elders to keeping your home neat and tidy. Find the best maid insurance in Singapore to protect your maid, right here.
In today’s fast-paced world, an extra pair of hands to help you around at home benefits you in many ways. While you look forward to having a clean home, elderly care or even having your kids looked after, you’d need to get certain things underway before hiring a maid. This includes providing maid insurance to safeguard your domestic worker from accidents and injuries.
In this article, we cover the best maid insurance available in Singapore, along with a few other pertinent things.
What are the Ministry of Manpower’s (MOM) requirements for maid insurance?
Before your Migrant Domestic Worker (MDM) arrives in Singapore, as the employer, you’re required to obtain medical insurance and personal accident insurance to cover him or her.
This maid insurance policy purchase is under you. You cannot pass it over to your maid to pay for their insurance themselves.
Related: Average Cost of Hiring Domestic Help in Singapore 2023
Medical insurance coverage
When purchasing medical insurance (MI) for your maid, you will need to ensure the coverage includes inpatient care and day surgery for the time they’re staying in Singapore.
Medical Insurance Purchase |
Coverage Sum |
Before 1 July 2023 |
S$15,000 per year |
On or after 1 July 2023 |
S$60,000 per year |
The MI sum increase from S$15,000 to S$60,000 aims to reduce out-of-pocket costs for employers, helping them tide over rising medical costs more effectively.
Personal accident insurance
As for personal accident insurance, there are a few things that you must achieve in the maid insurance policy for your domestic helper.
This includes:
- A coverage sum of at least S$60,000 per annum
- Coverage includes unforeseen, sudden, and unexpected incidents resulting in permanent disability or death
- No extra exclusion clauses that are not in the Employment of Foreign Manpower Regulations
- Protection coverage to protect your helper and her family via a lump sum for compensation should she suffer from permanent disability or pass on because of an accident
- Compensation payments made to your helper and her beneficiaries exclusively, and no one else
MSIG MaidPlus: Best for comprehensive maid insurance coverage
This plan comes high in value, which gives maid employers the peace of mind in knowing their helpers are amply insured. The insurance policy has a 26-month term.
Insurance Plan & Coverage type |
Standard |
Classic |
Premier |
Personal Accident resulting in Death or Permanent Disablement |
S$60,000 |
S$60,000 |
S$60,000 |
Personal Accident Medical Expenses |
S$1,000 |
S$2,000 |
S$3,000 |
*Hospital and Surgery Expenses |
S$60,000 per policy year |
S$80,000 per policy year |
S$120,000 per policy year |
Alternative Domestic Help |
S$50 per day, maximum 30 days |
S$50 per day, maximum 45 days |
S$50 per day, maximum 60 days |
Liability to third parties |
S$5,000 |
S$10,000 |
S$20,000 |
Special Grant |
S$2,000 |
S$3,000 |
S$3,000 |
Premium for 26 months (Maid aged 50 years old and below) |
S$579.96 (inclusive of GST) |
S$638.28 (inclusive of GST |
S$721.44 (inclusive of GST) |
Premium for 26 months (Maid aged 51 to 60 years old) |
S$1,116.72 (inclusive of GST) |
S$1,227.96 (inclusive of GST) |
S$1,387.80 (inclusive of GST) |
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As for co-payment conditions for hospital & surgical expenses mandated by MOM:
- First S$15,000 of eligible claims, no co-payment required
- Above S$15,000 of eligible claims and up to sum insured, 25% co-payment applies on this amount
Tiq Maid Insurance: Low in budget, ideal for healthy maids
If you’re looking for a maid insurance plan that covers both the employer and maid extensively, meets MOM’s requirements and is easy on the wallet, Tiq could be your best match.
Insurance Plan & Coverage Type |
Plan A |
Plan B |
Plan C |
Maid: Personal Accident – Accidental Death & Permanent Disablement |
S$60,000 |
S$65,000 |
S$70,000 |
Maid: Personal Accident Medical Expenses (Accident or Injury) |
S$1,000 |
S$2,000 |
S$3,000 |
Maid: Third-Party Liability |
S$5,000 |
S$7,500 |
S$10,000 |
Maid: Hospitalisation & Surgical Expenses (annual limit for in-patient expenses including Day Surgery) Co-insurance of 25% for the amount about the first S$15,000 applies |
S$60,000 per year |
S$60,000 per year |
S$60,000 per year |
Maid: Recuperation Benefits (max 30 days of hospitalisation) |
Up to $10 per day |
Up to $15 per day |
Up to $20 per day |
Employer: Letter of Guarantee to the MOM (Security Bond) |
S$5,000 |
S$5,000 |
S$5,000 |
Employer: Termination or Rehiring Expenses |
S$250 |
S$300 |
S$350 |
Employer: Medical expenses reimbursement in the event of abuse by maid |
Up to S$5,000 |
Up to S$5,000 |
Up to S$5,000 |
Employer: Alternative Maid Services (max 30 days of hospitalisation) |
Up to S$10 per day |
Up to S$15 per day |
Up to S$20 per day |
Employer: Wages & Levy Reimbursement (max 30 days of hospitalisation) |
Up to $30 per day |
Up to $30 per day |
Up to $30 per day |
Premium Cost (before GST) |
S$682 (26 months) S$491 (14 months) |
S$737 (26 months) S$531 (14 months) |
S$822 (26 months) S$592 (14 months) |
Promotion |
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1 April to 30 April 2024 |
FWD Maid Insurance: Top choice for a flexible maid policy on a budget
This insurance plan has three coverage types, and is perfect for employers who need a budget-friendly maid insurance option.
Insurance Plan & Coverage Type |
Essential |
Enhanced |
Exclusive |
Outpatient expenses due to accident |
S$1,000 |
S$2,000 |
S$3,000 |
*Hospital and surgical expenses due to illness or injury (per year) |
S$60,000 |
S$60,000 |
S$60,000 |
Ambulance fees |
S$300 |
S$300 |
S$300 |
Rehiring expenses |
S$300 |
S$400 |
S$500 |
Alternative helper services compensation |
Up to S$20 for maximum 30 days |
||
Security bond plus (Includes a Letter of Guarantee to the Singapore MOM to replace the mandatory S$5,000 bond) |
S$5,000 |
||
Premium cost (maid from Philippines, 39 years old, policy starts 30 July 2023) |
S$504 |
S$584 |
S$663.99 |
Promotion |
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|
*Co-payment conditions for Hospital and surgical expenses as mandated by MOM:
- First S$15,000 of eligible claims, no co-payment required
- Above S$15,000 of eligible claims and up to sum insured, 25% co-payment applies on this amount
HL Maid Protect360 Pro: Best for maids requiring enhanced health coverage
Insurance Plan & Coverage Type |
Basic |
Enhanced |
Premier |
Exclusive |
Personal Accident: Accidental Death & Permanent Disablement |
S$60,000 |
S$70,000 |
S$80,000 |
S$100,000 |
Personal Accident: Outpatient Medical Reimbursement |
S$1,000 |
S$2,000 |
S$3,000 |
S$5,000 |
Hospital & Surgical Expenses (Annual Limit) |
S$60,000 |
S$60,000 |
S$80,000 |
S$80,000 |
Waiver of Co-Payment for Hospital & Surgical Expenses |
NA |
Covered |
Covered |
Covered |
Alternative Maid Services (per day, up to 30 days) |
NA |
S$100 |
S$150 |
S$200 |
Replacement Maid Expenses |
S$200 |
S$300 |
S$500 |
S$600 |
Maid Personal Belongings (loss or damage due to fire or theft at your house) |
NA |
S$1,000 |
S$2,000 |
S$4,000 |
Home Content (Compensation of loss or damage due to a fire your helper caused) |
S$5,000 |
S$10,000 |
S$15,000 |
S$30,000 |
Premium Rates (With GST, Maid aged 50 & below) |
14 months: S$386.80 26 months: S$502.40 |
14 months: S$424.90 26 months: S$551.80 |
14 months: S$445.30 26 months: S$578.30 |
14 months: S$528.00 26 months: S$685.60 |
Premium Rates (With GST, Maid aged 51 & above) |
14 months: S$1,071.70 26 months: S$1,391.80 |
14 months: S$1,121.00 26 months: S$1,455.80 |
14 months: S$1,145.90 26 months: S$1,488.10 |
14 months: S$1,288.60 26 months: S$1,595.50 |
Promotion |
Not available |
Great Maid Protect – Best for protecting your maid against unexpected accidents
Insurance Plan & Coverage Type |
Nanny Plan |
Silver |
Gold |
Premium |
Personal Accident (Death & Permanent Disability) |
S$60,000 |
S$60,000 |
S$60,000 |
S$60,000 |
Personal Accident (Medical Expenses) |
S$2,000 |
S$2,000 |
S$3,000 |
S$3,000 |
Hospital & Surgical Expenses (per year) Fully Paid by Insurer Co-payment of 75% by Insurers (and 25% for employers) for Claim Amounts Above the First S$15,000 |
S$15,000 S$60,000 (Above S$15,000) |
S$15,000 S$60,000 (Above S$15,000) |
S$60,000 (No co-payment) |
S$90,000 (No co-payment) |
Recuperation expenses (per day, max 60 days) |
Not available |
S$20 |
S$20 |
S$30 |
Wages, Compensation and Levy Refund (per day, max 60 days) |
Not available |
S$35 |
S$35 |
S$35 |
Ending Employment and Hiring a Replacement |
Not available |
S$350 |
S$350 |
S$500 |
Employer’s Liability to the Insured Person |
Not available |
S$50,000 |
S$50,000 |
S$50,000 |
Liability to third parties |
Not available |
S$50,000 |
S$50,000 |
S$50,000 |
Promotions |
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Which maid insurance plan suits YOU best?
This boils down to understanding your specific aspects in your search for the ideal maid insurance plan. Use this checklist to help you along your way:
- What types of tasks will your maid be responsible for and the risks involved?
- What are your personal preferences and needs in your maid insurance purchase?
- What numbers seem feasible in your insurance premium and insurance coverage?
- How is the general health of your domestic helper?
- What is the age of your domestic helper?
- Are there factors you need to cover via insurance add-ons or insurance riders?
- Are there any exclusions or limitations within an insurance policy which may affect you?
- Consider the after-service aspect like processing insurance claims and insurer reviews
Related: Everything You Need to Know About the Recent Changes to Maid Insurance
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