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Best Maid Insurance in Singapore 2024

Find the best maid insurance for your helper on Seedly. Read reviews to compare coverage, limits, and exclusions from budget-friendly to comprehensive policies. Apply now on SeedlyUpdated March 2024

14 Products Found

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    Etiqa maid Plan A

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000 (25% co-insurance after first $15k)

    HOSPITAL OR SURGICAL BENEFIT

    Up to $1,000

    MEDICAL EXPENSE BENEFIT

    Up to $5,000

    3RD PARTY LIABILITY

    $682

    PREMIUM AMOUNT

    Etiqa maid Plan B

    Up to $65,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000 (25% co-insurance after first $15k)

    HOSPITAL OR SURGICAL BENEFIT

    Up to $2,000

    MEDICAL EXPENSE BENEFIT

    Up to $7,500

    3RD PARTY LIABILITY

    $737

    PREMIUM AMOUNT

    Etiqa maid Plan C

    Up to $70,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000 (25% co-insurance after first $15k)

    HOSPITAL OR SURGICAL BENEFIT

    Up to $3,000

    MEDICAL EXPENSE BENEFIT

    Up to $10,000

    3RD PARTY LIABILITY

    $822

    PREMIUM AMOUNT

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    AIG Domestic helper Insurance Classic

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $15,000

    HOSPITAL OR SURGICAL BENEFIT

    N/A

    MEDICAL EXPENSE BENEFIT

    N/A

    3RD PARTY LIABILITY

    $253.74

    PREMIUM AMOUNT

    AIG Domestic helper Insurance Superior

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $15,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $1,000

    MEDICAL EXPENSE BENEFIT

    Up to $100,000

    3RD PARTY LIABILITY

    $292.46

    PREMIUM AMOUNT

    AIG Domestic helper Insurance Elite

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $20,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $2,000

    MEDICAL EXPENSE BENEFIT

    Up to $100,000

    3RD PARTY LIABILITY

    $379.33

    PREMIUM AMOUNT

    AIG Domestic helper Insurance Premier

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $25,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $3,000

    MEDICAL EXPENSE BENEFIT

    Up to $100,000

    3RD PARTY LIABILITY

    $399.56

    PREMIUM AMOUNT

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    AXA SmartHelper Standard

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $15,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $1,000

    MEDICAL EXPENSE BENEFIT

    N/A

    3RD PARTY LIABILITY

    $259.20

    PREMIUM AMOUNT

    AXA SmartHelper Compre Plus

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $15,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $2,000

    MEDICAL EXPENSE BENEFIT

    Up to $3,000

    3RD PARTY LIABILITY

    $280.80

    PREMIUM AMOUNT

    AXA SmartHelper Ultimate Plus

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $20,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $3,000

    MEDICAL EXPENSE BENEFIT

    Up to $5,000

    3RD PARTY LIABILITY

    $310.20

    PREMIUM AMOUNT

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    China TaiPing Domestic Maid Insurance Plan D1

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $1,000

    MEDICAL EXPENSE BENEFIT

    N/A

    3RD PARTY LIABILITY

    $594

    PREMIUM AMOUNT

    China TaiPing Domestic Maid Insurance Plan D2

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $3,500

    MEDICAL EXPENSE BENEFIT

    N/A

    3RD PARTY LIABILITY

    $648

    PREMIUM AMOUNT

    China TaiPing Domestic Maid Insurance Plan D3

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $5,000

    MEDICAL EXPENSE BENEFIT

    N/A

    3RD PARTY LIABILITY

    $702

    PREMIUM AMOUNT

    DBS Maid Protect II

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    Up to $60,000
    DEATH OR DISABLEMENT BENEFIT
    Up to $60,000
    HOSPITAL OR SURGICAL BENEFIT
    Up to $1,000
    MEDICAL EXPENSE BENEFIT
    Up to $5,000
    3RD PARTY LIABILITY
    $497.90
    PREMIUM AMOUNT
    EQ Insurance EQ Maid

    No rating yet

    0 Reviews

    EQ Maid Insurance Essential

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $2,000

    MEDICAL EXPENSE BENEFIT

    Up to $5,000

    3RD PARTY LIABILITY

    $250.00

    PREMIUM AMOUNT

    EQ Maid Insurance Enhanced

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $3,000

    MEDICAL EXPENSE BENEFIT

    Up to $5,000

    3RD PARTY LIABILITY

    $300.00

    PREMIUM AMOUNT

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    FWD Maid Insurance Essential

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $1,000

    MEDICAL EXPENSE BENEFIT

    Up to $3,000

    3RD PARTY LIABILITY

    $504

    PREMIUM AMOUNT

    FWD Maid Insurance Enhanced

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $2,000

    MEDICAL EXPENSE BENEFIT

    Up to $4,000

    3RD PARTY LIABILITY

    $584

    PREMIUM AMOUNT

    FWD Maid Insurance Exclusive

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $3,000

    MEDICAL EXPENSE BENEFIT

    Up to $5,000

    3RD PARTY LIABILITY

    $663.99

    PREMIUM AMOUNT

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    GREAT Maid Premier Plan (Nanny)

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000 (First $15,000 by insurer; Co-payment of 25% for claims above $15,000)

    HOSPITAL OR SURGICAL BENEFIT

    Up to $2,000

    MEDICAL EXPENSE BENEFIT

    N/A

    3RD PARTY LIABILITY

    N/A

    PREMIUM AMOUNT

    GREAT Maid Premier Plan (Silver)

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000 (First $15,000 by insurer; Co-payment of 25% for claims above $15,000)

    HOSPITAL OR SURGICAL BENEFIT

    Up to $2,000

    MEDICAL EXPENSE BENEFIT

    Up to $50,000

    3RD PARTY LIABILITY

    $277.56 - $435.24 (14 months); $516.24 - $807.84 (26 months)

    PREMIUM AMOUNT

    GREAT Maid Premier Plan (Gold)

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $3,000

    MEDICAL EXPENSE BENEFIT

    Up to $50,000

    3RD PARTY LIABILITY

    $385.36 - $543.24 (14 months); $624.24 - $915.84 (26 months)

    PREMIUM AMOUNT

    GREAT Maid Premier Plan (Platinum)

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $3,000

    MEDICAL EXPENSE BENEFIT

    Up to $50,000

    3RD PARTY LIABILITY

    $453.60 - $732.24 (14 months); $749.52 - $1,266.84 (26 months)

    PREMIUM AMOUNT

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    Hong Leong Maid Protect360 Basic

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $30,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $1,000

    MEDICAL EXPENSE BENEFIT

    N/A

    3RD PARTY LIABILITY

    $239.00

    PREMIUM AMOUNT

    Hong Leong Maid Protect360 Enhanced

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $40,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $2,000

    MEDICAL EXPENSE BENEFIT

    Up to $3,000

    3RD PARTY LIABILITY

    $292.00

    PREMIUM AMOUNT

    Hong Leong Maid Protect360 Premier

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $3,000

    MEDICAL EXPENSE BENEFIT

    Up to $5,000

    3RD PARTY LIABILITY

    $377.00

    PREMIUM AMOUNT

    Hong Leong Maid Protect360 Exclusive

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $80,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $4,000

    MEDICAL EXPENSE BENEFIT

    Up to $7,000

    3RD PARTY LIABILITY

    $456.00

    PREMIUM AMOUNT

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    Income Domestic Helper Insurance Basic

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $1,500

    MEDICAL EXPENSE BENEFIT

    -

    3RD PARTY LIABILITY

    $406.13

    PREMIUM AMOUNT

    Income Domestic Helper Insurance Standard

    Up to $60,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $2,000

    MEDICAL EXPENSE BENEFIT

    -

    3RD PARTY LIABILITY

    $418.98

    PREMIUM AMOUNT

    Income Domestic Helper Insurance Enhanced

    Up to $80,000

    DEATH OR DISABLEMENT BENEFIT

    Up to $60,000

    HOSPITAL OR SURGICAL BENEFIT

    Up to $3,000

    MEDICAL EXPENSE BENEFIT

    -

    3RD PARTY LIABILITY

    $421.22

    PREMIUM AMOUNT

    What Is Maid Insurance?

    Maid insurance is a government-mandated insurance that protects employers against financial losses and unforeseen expenses when you hire a foreign domestic helper. So if you are wondering if it is necessary to purchase a maid insurance policy – yes it is compulsory for all employers to purchase a maid insurance in Singapore. 

    MOM Regulations & Requirements For Employers

    Maid Insurance Requirements

    As part of MOM’s criteria, all employers have to purchase medical insurance and personal accident insurance of the following coverage before your helper arrives:

    • Medical insurance: At least $15,000 per year for inpatient care and day surgery
    • Personal accident insurance: At least $60,000 per year. Cover sudden, unforeseen, and unexpected incidents resulting in permanent disability/death 

    Security Bond

    What is a Security Bond?

    MOM necessitates all employers to purchase a security bond for their domestic helper, except if you employ a Malaysian domestic helper. A security bond is a binding pledge to the government in the event that either you or your domestic worker breaks the law or regulations of the Work Permit conditions. You will need to buy a S$5,000 security bond for every domestic helper you employ. 

    Security bonds can be bought at banks or insurance companies in Singapore in the form of an insurance product, where they often allow you to bundle it together with the mandatory medical and personal accident insurance. In the event that you or your helper is liable for a fine, your insurance company will undertake the responsibility to pay the government instead. 

    When Should I Buy The Security Bond?

    You will need to purchase the security bond before your helper arrives in Singapore. It will also need to come into effect before she arrives in Singapore or she will be refused entry into Singapore. Remember to inform your insurer that they will need to provide MOM the details of the security bond which will take up to 3 working days before confirmation. 

    What Does Maid Insurance Cover in Singapore?

    Coverage Type

    Purposes

    Medical expenses: hospitalisation & surgery

    Hospitalisation

    - In the event that your helper needs to be warder to receive medical treatment or surgery, you can make a claim for the medical expenses incurred for her inpatient treatment. 

    Outpatient treatment

    - Outpatient treatment refers to any surgical or medical treatment that does not require your domestic helper to be hospitalised. The expenses required for this treatment can be reimbursed by your insurance company, albeit the amount is dependent on the coverage amount of your policy.

    - Do note that claimable outpatient treatment is usually only possible when your domestic helper’s injury is due to an accident. 

    Personal Accident

    The government-mandated personal accident coverage is S$60,000. This is the minimum coverage the insurance company must cover should your domestic helper get into an accident which leads to her permanent disability or death. There are some maid insurances that offers a higher coverage. 

    Wage Compensation

    Some policies also provides you with a small daily compensation should your domestic helper be unable to work due to circumstances such as her hospitalisation or illness. The policy will pay a small portion of her wages while she recovers, up to a limited number of days.

    Repatriation Expenses

    In the event of death or permanent incapacitation, some maid insurance policies provides a payout to cover the expenses for repatriating your helper back to her home country. Some policies even extend coverage to cover the costs of her burial/cremation in Singapore, and/or the conveyance of her body/ashes to her home country. 

    Third-Party Liability

    Some insurance policies offer coverage for the expenses incurred from the accidental property or physical damages caused by your helper to a third party.   

    Helper’s Personal Belongings

    Some insurance policies covers your domestic helper’s personal belongings, such as her mobile device, if they get stolen or damaged. You can make a claim for her as the employer for a payout that you or her can use to replace her lost/damaged belonging. 

    Replacement Maid Expenses

    - Should a serious and unexpected event result in you having to terminate your helper’s contract and hire a new helper, some insurance companies will pay the fees needed for your to get a new helper. 

    - Reasons for your termination of the contract have to be of a grave and significant nature, such as her sudden death or permanent disability.

    Maid Insurance Policies in Singapore 2022

    Policy

    Premium

    Personal Accident/Death

    Hospitalisation

    Medical Expense Benefit

    $280.34

    Up to $60,000

    Up to $15,000

    Up to $1,000

    $335.28

    Up to $60,000

    Up to $20,000

    Up to $2,000

    $394.12

    Up to $60,000

    Up to $25,000

    Up to $3,000

    $253.74

    Up to $60,000

    Up to $15,000

    N.A

    $292.46

    Up to $60,000

    Up to $15,000

    N.A

    $379.33

    Up to $60,000

    Up to $20,000

    Up to $2,000

    $399.56

    Up to $60,000

    Up to $25,000

    Up to $3,000

    $184.55

    Up to $60,000

    Up to $15,000

    Up to $1,000

    $195.25

    Up to $65,000

    Up to $65,000

    Up to $2,000

    $222.00

    Up to $70,000

    Up to $15,000

    Up to $3,000

    $262.15

    Up to $60,000

    Up to $15,000

    Up to $1,000

    $390.55

    Up to $70,000

    Up to $20,000

    Up to $2,500

    $267.50

    Up to $60,000

    Up to $15,000

    Up to $1,000

    $363.80

    Up to $15,000

    Up to $30,000

    Up to $2,000

    $417.30

    Up to $15,000

    Up to $50,000

    Up to $3,000

    $252.30

    Up to $60,000

    Up to $15,000

    Up to $1,500

    $324.30

    Up to $60,000

    Up to $15,000

    Up to $2,000

    $333.78

    Up to $80,000

    Up to $15,000

    Up to $3,000

    $333.78

    Up to $80,000

    Up to $15,000

    Up to $3,000

    $267.50

    Up to $60,000

    Up to $15,000

    Up to $1,000

    $294.25

    Up to $60,000

    Up to $15,000

    Up to $2,000

    $406.60

    Up to $60,000

    Up to $30,000

    Up to $3,000

    How Maid Insurance Much Coverage Should I Get?

    Most basic maid insurance plans would have at least fulfilled the minimum requirement of MOM in Singapore. In addition to the mandated coverage types and amounts by the government, most insurance plans should also include these benefits: 

    • Personal Accident
    • Medical and Surgical Expenses
    • Outpatient Expenses
    • Third Party Liability
    • Repatriation Expenses
    • Insurance Guarantee to Ministry of Manpower Singapore (MOM)

    However, you may also choose to add-on to the above coverages: 

    • Insurance Guarantee Bond to the Philippine Overseas Labour Office
    • Waiver for Counter Indemnity for Insurance Guaranteed Bond (MOM)

    Frequently Asked Questions

    What is the $5,000 security bond for and is it necessary?

    The $5000 security bond is a mandatory payment to the Ministry of Manpower for non-Malaysian domestic workers. It serves as a guarantee that you or your domestic worker will not break any laws or work permit conditions. This security bond has to be paid by employers and must be paid before your domestic helper arrives in Singapore.

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

    The additional two months of coverage is a requirement by MOM, to ensure that your helper has an additional two months of coverage after her work permit expires, in case of unforeseen circumstances where her repatriation is not immediate.

    Is the compulsory coverage enough?

    While the compulsory coverage fulfils the mandated requirement by MOM, it does not protect you or your domestic helper against other common losses and risks. It is often recommended to purchase a policy beyond the mandated coverage, especially since it does not cost significantly more.

    Will my helper's outpatient treatment be covered by insurance?

    This would depend on whether your insurance covers for outpatient treatment costs. As it stands, the basic insurance requirement by MOM does not require outpatient treatment coverage. However, most insurance providers do provide coverage for outpatient treatment costs, though usually only covered if the treatment needed is a result of an accident.

    What to consider when you are getting Maid Insurance?

    Besides the basic required coverage by MOM, it is important to consider what is important to you before purchasing a maid insurance. As add-ons do not cost significantly more, it may be worthwhile purchasing a policy with more comprehensive insurance, especially with coverage for medical and hospital expenses.

    How to make a maid insurance claim?

    First notify the your insurance provider and submit the relevant documents and information specified by your provider to kickstart the claims process.

    Can I increase coverage for my domestic helper?

    Yes, you will be able to do so at higher premium charges.

    What is third party liability?

    Third Party Liability coverage provides you with indemnity against paying compensation, in the event that your helper commits any damage or injury to any third parties.

    How long do maid insurance plans last?

    Most insurance companies offer coverage for either 14 or 26 months instead of 12 or 24 months. The additional two months of coverage is a requirement by MOM, to ensure that your helper has an additional two months of coverage after her work permit expires, in case of unforeseen circumstances where her repatriation is not immediate.

    How much does maid insurance cost?

    Maid insurance plans are categorised into three tiers (basic, mid-, top-tier) for durations of either 14 or 26 months, depending on your choice. While the exact cost of maid insurance will eventually depend on the extend and duration of coverage, you should expect to pay about $260-$360 for a 26-month policy across the tiers.

    How to buy maid insurance?

    You may approach any insurance provider to purchase your maid insurance. Some maid agencies may also be able to assist you in purchasing a policy of the required minimum coverage.

    What to do if early termination of maid insurance is required?

    Yes, you should be able to receive a refund of premium calculated based on the remaining period of insurance coverage.

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

    The waiver of counter indemnity is where the insurance provider limits the loss of your $5000 compulsory security bond deposit to $250 or to whichever stated amount in the event of a contract breach by your domestic helper. This is a optional add-on feature to your maid insurance policy.

    When should you start buying a maid insurance policy?

    It is important to know when coverage for your maid insurance kicks in to ensure your domestic helper is covered when she starts work. In general, the start date of a maid insurance is usually five days from the date of purchase and within fourteen days from the date of application.

    Will my maid be covered under the Maid Insurance when she returns to her home country for holiday?

    Coverage will cease when your domestic helper returns back to her home country and resume when she returns.

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    Seedly's Product Comparison Page Listing Guidelines
    For Maid Insurance products to be listed on Seedly's Product Comparison Page, they have to fulfil the following criteria:

    • Policies protected under the Policy Owners’ Protection (PPF) Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC)
    • Provides medical, personal accident coverage to domestic helper
    • Provides a security bond insurance