🚨 Important Update 2025
As of 2025, all domestic helpers in Singapore must have valid insurance coverage before their work permit is approved. This guide covers everything you need to know about compliance and finding the best coverage for your helper.
Legal Requirements in Singapore
Under Singapore's Ministry of Manpower (MOM) regulations, all domestic helpers must have mandatory insurance coverage. The requirements were updated in 2023 to provide better protection for both employers and domestic workers.
Mandatory Coverage Requirements
Medical Insurance
Covers hospitalization, outpatient treatment, emergency care, and prescription medications
Personal Accident
Provides compensation for accidental death, permanent disability, and medical expenses from accidents
Repatriation
Covers costs of returning the helper to their home country in emergencies or upon contract termination
Failure to maintain valid insurance can result in work permit cancellation, fines up to $10,000, and potential prosecution under the Employment of Foreign Manpower Act.
Types of Coverage Explained
Medical Insurance
Covers hospitalization, outpatient treatment, emergency care, specialist consultations, diagnostic tests, and prescription medications.
Personal Accident
Provides lump sum compensation for accidental death, permanent disability, or temporary incapacity due to accidents.
Repatriation
Covers transportation costs to return the helper to their home country due to emergency, contract termination, or death.
Cost Analysis: What You'll Pay
Maid insurance costs in Singapore vary significantly based on coverage levels, helper's age, nationality, and chosen provider. Here's a comprehensive breakdown:
Annual Premium Ranges by Category
💰 Money-Saving Tips
- • Pay annually to save 12-18% vs monthly payments
- • Compare at least 3-4 providers before deciding
- • Consider bundling with other insurance policies
- • Choose younger helpers when possible (lower premiums)
- • Look for group discounts if you have multiple helpers
Top 5 Maid Insurance Providers
NTUC Income
AXA Singapore
Great Eastern
AIG
FWD
Step-by-Step Application Process
Gather Required Information
Helper's passport details, nationality, age, medical history, and employment contract.
Compare Plans and Providers
Use our comparison tool to evaluate coverage, premiums, and benefits from multiple insurers.
Submit Application
Complete the application form online or through an agent, providing all required documents.
Pay Premium
Make payment via credit card, bank transfer, or other accepted methods.
Receive Policy Documents
Download policy certificate immediately or receive via email within 24 hours.
Submit to MOM
Upload insurance certificate to MOM portal for work permit processing.
Frequently Asked Questions
When should I buy maid insurance?
Insurance must be purchased before your helper arrives in Singapore or before their work permit renewal. It's recommended to buy insurance as soon as you decide to hire a domestic helper to avoid delays.
Can I change insurance providers mid-contract?
Yes, you can switch providers, but ensure there's no coverage gap. The new policy should start when the current one expires. Some insurers offer pro-rated refunds for unused premium.
What happens if my helper gets pregnant?
Pregnancy-related coverage varies by insurer and plan. Some policies include maternity benefits, while others exclude pregnancy-related expenses. Check your policy terms carefully.
How do I make a claim?
Contact your insurer's 24/7 hotline immediately. For medical emergencies, seek treatment first and notify the insurer within 48 hours. Keep all receipts and medical documents for claim processing.
Ready to Get the Best Maid Insurance?
Now that you understand Singapore's maid insurance requirements and options, you're ready to find the perfect coverage for your domestic helper. Compare quotes from top providers and ensure you're fully compliant with MOM regulations.