Complete guide to Ministry of Manpower (MOM) insurance requirements for Foreign Domestic Workers. Ensure compliance and avoid penalties with our comprehensive checklist.
Under the Employment of Foreign Manpower Act, ALL Foreign Domestic Workers must have valid insurance coverage before work permit approval. Non-compliance results in:
Official requirements from the Ministry of Manpower
| Insurance Type | Minimum Coverage | Status | Description |
|---|---|---|---|
| Medical Insurance | $15,000 | MANDATORY | Covers hospitalization, outpatient treatment, emergency care, and prescription medications Must be valid for entire work permit period |
| Personal Accident Insurance | $60,000 | MANDATORY | Provides compensation for accidental death, permanent disability, and medical expenses from accidents Covers work-related and non-work accidents |
| Repatriation Insurance | No minimum set | RECOMMENDED | Covers costs of returning the FDW to their home country in emergencies Highly recommended by MOM |
Follow these steps to ensure full MOM compliance
Buy insurance meeting MOM requirements before submitting work permit application
Before work permit application
Submit insurance certificate through the Work Permit Online system
During work permit application
Ensure insurance remains valid throughout the FDW's employment period
Throughout employment
Renew insurance before current policy expires to avoid coverage gaps
30 days before expiry
Licensed insurers recognized by the Ministry of Manpower
Highest coverage limits
Best customer service
Most affordable
Basic coverage
Digital convenience
Comprehensive benefits
International expertise
Competitive rates
Serious consequences for violating MOM insurance requirements
Violation Type
Financial Penalty
Additional Consequences
Violation Type
Financial Penalty
Additional Consequences
Violation Type
Financial Penalty
Additional Consequences
Violation Type
Financial Penalty
Additional Consequences
Ensure you meet all requirements before submitting work permit application
Ensure full compliance with Singapore's insurance requirements from approved providers