The Best Maid Insurance in Singapore for Your Domestic Helper

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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
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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)

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1 April to 30 April 2024

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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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Use promo code “POLICYPAL” to get S$10 Rewards via PayNow and 15% discount when you BUY NOW! T&Cs apply.

1 April to 21 April 2024

 

*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
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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

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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

Exclusive AMTD PolicyPal Group Promotion

Use Promo Code AGM20% at checkout to get $10 Rewards via PayNow and 20% discount when you BUY NOW! T&Cs apply.

1 April – 30 April 2024

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
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Related: Everything You Need to Know About the Recent Changes to Maid Insurance

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