What is Domestic Helper (Maid) Insurance?
Domestic Helper Insurance is a specialized policy designed to provide coverage for domestic helpers, sometimes referred to as maids, working in households across Singapore. This insurance is the employer's responsibility and ensures comprehensive protection for the helper in the event of accidents, illnesses, or injuries. It not only safeguards the domestic helper but also offers peace of mind to the employer.
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Is Domestic Helper (Maid) Insurance Mandatory?
Yes, under the regulations set by the Ministry of Manpower (MOM), it is mandatory for employers to secure insurance for their domestic helpers before their arrival in Singapore. The required coverage includes:
Medical Insurance:
Personal Accident Insurance:
Insurance Guarantee Bond:
What Does Domestic Helper (Maid) Insurance Cover?
In addition to the mandatory coverage, several common add-ons are available to enhance your insurance policy, including:
- Waiver of Counter Indemnity:
Reduces your liability to $250 (instead of $5,000) if the breach of the $5,000 Security Bond is not caused by you.
- Waiver of 25% Co-payment for Medical Insurance:
Covers medical expenses from the first dollar onwards, eliminating the standard co-payment requirement.
- Maid’s Liability Coverage:
Protects against liabilities for damage or loss caused by the domestic helper to the third parties.
- Employer’s Liability:
Covers employer’s legal liability at common law arising from injury or disease suffered by the domestic helper
- Repatriation Expenses:
Covers the cost of repatriating the domestic helper to their home country in cases of severe illness, injury, or death.
- Daily Wages Payout:
Provides compensation for wages if the domestic helper is unable to work due to illness or injury.
- Home Contents Coverage:
Covers your home contents due to fire, burglary or theft by domestic helper.
What is the Cost of Domestic Helper (Maid) Insurance in Singapore?
The cost of domestic helper insurance in Singapore varies based on factors such as coverage type, policy limits, the age and health of the helper, and the insurance provider. On average, premiums range from SGD 400 to SGD 700, depending on the selected coverage and benefits.
Frequently Asked Questions
About Cyber Insurance In Singapore
The start date is dependent of the type of maid you are hiring New Maid: On or before the maid's arrival date in Singapore. Transfer Maid: The agreed transfer date which is also the day you apply for issuance of the maid's new work permit. Renewal Maid: One day after the expiry date of the current work permit.
If your helper is employed for more than 12 months in Singapore, the policy will cover her for hospitalisation for pre-existing medical conditions.
After coverage begins, mid-term plan changes are not permitted. Therefore, please choose the plan that best suits your demands at the beginning of the cover to guarantee that you and your helper are sufficiently insured.
When your Maid returns to her home country, the cover ceases from the time she leaves Singapore and resumes upon her return provided her work permit is not cancelled.
Maid Insurance covers hospitalisation expenses incurred on an overseas trip, provided your helper is travelling with you. Nevertheless, it's essential to note that a standalone travel insurance policy is necessary to ensure comprehensive protection against various unforeseen circumstances that may arise during travel.
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