Maid Insurance

Compare Maid Insurance Plans in Singapore

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    MSIG

    MSIG MaidPlus Standard (26 Months)

    • Personal Accident

      $60,000

    • Hospital & Surgical Coverage

      $60,000

    • Third Party Liability

      $5,000

    $439.00


    Tag
    7 May - 22 May 2024
    Standard Plan
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    Classic/ Premier Plan
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    ***The premium shown is for maids aged 50 years old and below.
    • The below benefits are for Standard Plan.
    • Upon redirecting to MSIG's website for your purchase, you can select Standard or the higher tier Plans (Classic/ Premier).
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    Personal Protection

    • Personal Accident benefits

      $60,000

    • Accidental Death/ Permanent Disablement

      $60,000

    • Outpatient Expense due to accident

      $1,000

    Others

    • Third Party Liability

      $5,000

    • Special Grant

      $2,000


    DocumentsPolicy Documents

    Policy Brochure

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    Policy Wordings

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    Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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    FWD

    FWD Maid Insurance - Essential

    • Personal Accident

      $60,000

    • Hospital & Surgical Coverage

      $60,000

    • Third Party Liability

      $3,000

    $432.37


    Tag
    8 May - 19 May 2024
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    ***The below benefits are for Essential.
    • Upon redirecting to FWD's website for your purchase, you can select Essential or the higher tier Plans (Enhanced/ Exclusive).
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    Personal Protection

    • Personal Accident benefits

      $60,000

    • Accidental Death/ Permanent Disablement

      $60,000

    • Outpatient Expenses due to accident

      $1,000

    Others

    • Third Party Liability

      $3,000

    • Employer's Liability to the Insured Person

      $50,000

    • Special Grant

      $1,000


    DocumentsPolicy Documents

    Policy Brochure

    Read

    Policy Wordings

    Read

    Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

  • PayNowREWARDS — $20.00
    Tiq

    TIQ Maid Insurance - Plan A

    • Personal Accident

      $60,000

    • Hospital & Surgical Coverage

      $60,000

    • Third Party Liability

      $5,000

    $490.63


    Tag
    1 May - 31 May 2024
    • Use promo code TIQPP to get $20 Rewards via PayNow and 34% discount when you BUY NOW!


    ***The below benefits are for Plan A.
    • Upon redirecting to TIQ's website for your purchase, you can select Plan A or the higher tier Plans (B or C).
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    Personal Protection

    • Personal Accident benefits

      $60,000

    • Accidental Death/ Permanent Disablement

      $60,000

    • Medical Expense due to Accident or Injury

      $1,000

    Others

    • Third Party Liability

      $5,000

    • Physical Abuse by Maid

      Up to $5,000

    • Special Grant

      $500


    DocumentsPolicy Documents

    Policy Brochure

    Read

    Policy Wordings

    Read

    Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

  • PayNowREWARDS — $10.00
    GreatEastern

    GREAT Maid Protect - Silver (26 Months)

    • Personal Accident

      $60,000

    • Hospital & Surgical Coverage

      $60,000

    • Third Party Liability

      $50,000

    $416.82


    Tag
    1 May - 31 May 2024
    • Use promo code AGM20% at checkout to get $10 Rewards via PayNow and 20% discount.


    ***The below benefits are for Silver Plan.
    • Upon redirecting to Great Eastern's website for your purchase, you can select Silver or the higher tier Plans (Gold/ Platinum).
    Toggle DetailsArrow

    Personal Protection

    • Personal Accident benefits

      $60,000

    • Accidental Death/ Permanent Disablement

      $60,000

    • Medical Expense

      $2,000

    Others

    • Third Party Liability

      $50,000

    • Employer's Liability to the Insured Person

      $50,000

    • Special Grant

      $1,000

    • Fidelity Guarantee

      $5,000

    • Insured Person's Belongings

      $300


    DocumentsPolicy Documents

    Policy Brochure

    Read

    Policy Wordings

    Read

    Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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Is Maid Insurance Compulsory?

Yes. Before your helper arrives in Singapore, you must buy medical insurance (MI) and personal accident insurance as part of your medical obligations to her. You cannot pass on the cost of purchasing the insurance to your helper. You are required by the Ministry of Manpower to purchase an insurance policy for your foreign domestic worker. Maid insurance is an insurance policy which covers any work-related accidents and medical care charges sustained by your maid. A lump sum will be compensated to the family of your maid, if an unfortunate accident causes your maid’s death or she suffers from permanent disability.

Why Are the Insurance Periods 14 or 26 Months When Work Permits are Issued at 12 or 24 Months?

This is a standard among all maid insurance products in the market in Singapore. The extra two months’ coverage is a MOM requirement to protect your maid after her work permit expires. In the event where the maid overstays in Singapore (after her work permit has expired), she is still covered under the insurance.

What Does Maid Insurance Not Cover?

Insurers will generally not cover your foreign domestic worker for things that break her employment contract in Singapore or if you commit malicious harm against her. Do be sure to read the policy wording of your policy to know what will and won't be covered. At AMTD PolicyPal Group, we have listed some of the common maid insurance policy exclusions here.

Common General Exclusions

Pregnancy, childbirth, abortionsIntoxication by alcohol or drugs
Consequences of war, riot revolutionSexually transmitted infections, HIV or AIDS
Breach or work permitWillful participation by interested party to commit illegal acts in Singapore or abroad
Non-emergency dental care (unless explicitly stated otherwisePsychiatric care (unless explicitly stated otherwise)

How Do I File a Claim?

Most insurers have online portals where you can submit your claim and all supporting documents.

  • Make Claim

    Note 1: Do Not Wait Too Long to Make a Claim

    Most insurers will require you to make the claim within 30 days of the event. You would want to submit your claims form as soon as possible, as the insurance companies usually take some time to process your claim.

  • Affordable Hospital

    Note 2: Choose An Affordable Hospital Ward (In the Event of Hospitalisation)

    Most insurers only cover up to B2 wards of public hospitals and a pro-ration factor will be applied should your maid be admitted into better wards or private hospitals. From 1 July 2023, although maid insurance comes with a higher annual claim limit of at least S$60,000, there is a co-payment of 25% by employers for claim amounts above S$15,000.

  • Keep Originals

    Note 3: Keep Originals of Everything

    For whatever claim you make, even though claims can be submitted via online portals nowadays, you will still have to be able to prove its authenticity. This means producing original documents when the insurance companies request for them. Hence, do keep the original documents and have them ready when the insurer asks for them. Examples of claim documents include hospital receipts, physician's statement/reports, police reports (for theft), etc.

What Should You Look Out For When You Are Getting Maid Insurance?

Though MOM requires all Maid Insurance to provide at least Personal Accident coverage of S$60,000 and Medical coverage of S$60,000 (with start date effective on or after 1 July 2023), there are still benefits in the policy you can take note of to make it worth your premium.

  • Outpatient Expenses

    Outpatient Expenses

    Ensure that your maid insurance pays for outpatient treatment, and check if this covers just accidents or both accidents and illnesses.

  • Special Grants

    Special Grants

    Special grants are sometimes also referred to as Funeral Grants or Death Benefits. What this means is that it pays a lump-sum benefit following the death of your maid during her employment in Singapore.

  • Third Party Liability

    Third-Party Liability

    This is sometimes also referred to as Maid’s Liability. This benefit payouts if your helper accidentally injures someone or damages another person’s property.

  • Reduction Copayment

    Reduction of Co-Payment for Hospital & Surgical Expenses

    Some insurers might offer this option to reduce the standard 25% co-payment, which you have to bear for eligible claims amount above S$15,000. This benefit usually will come as an optional rider (i.e. an additional cost you will need to top up).

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