How To Find The Best Maid Insurance In Singapore

The Best Maid Insurance You Can Get

If you want to hire a maid in Singapore, you should take into consideration tons of expenditures such as their day-to-day expenses, their salary, agency fees, and of course, their insurance. Medical and personal accident insurance for migrant domestic workers is mandatory in the country, and you must settle this yourself.

Not only will this ensure your domestic workers get the right medical care in case something happens, but it can also protect you from unforeseen expenses.

Here at OMY Singapore, you will discover the following:

What Is Maid Insurance?

As its name suggests, this is a policy that protects households that have maids from losses related to a domestic worker’s work or non-work accidents. This has been mandated by the Singapore Ministry of Manpower since 2008. Since 2017, the coverage requirements of this policy are S$15,000 for medical coverage and S$60,000 for personal accident coverage.

The Singapore government requires homeowners to purchase a policy as soon as they hire a foreign domestic worker because they are not covered by the Workman Injury Compensation Act.

Therefore, the employer is solely responsible for all the medical expenses they will incur should anything happens. Because a maid will be working in your home, having a comprehensive insurance plan will ensure you will be protected from expenses.

More from OMY: Best Travel Insurance with COVID 19 Coverage

9 Best Maid Insurance In Singapore

Take a look at the best choices for maid insurance in Singapore below. Don’t have time to read each policy? See this table below for a side-by-side comparison of every maid insurance policy we featured.

Premium Highlights
HL Assurance Maid Insurance
  • S$245 Silver
  • S$303 Gold
  • S$396 Platinum
  • S$484 Diamond
  • (26 months coverage)
  • S$60,000 accidental death benefit
  • S$60,000 permanent disablement
  • S$1,000 to S$4,00 medical expenses
  • S$30,000 to S$80,000 hospital and surgical expenses
  • S$1,000 to S$3,000 maid personal belongings
FWD Maid Insurance
  • Quote available here for Essential, Enhanced, and Exclusive tiers
  • S$1,000 to S$3,000 outpatient expenses due to accident
  • S$15,000 to S$25,000 Hospitalisation and surgical expenses (per year)
  • S$300 for ambulance fee
  • Cancellation available
MSIG MaidPlus Insurance
  • Quote available here for Standard, Classic, and Premier tiers
  • S$60,000 personal accident
  • S$15,000 to S$50,000 hospital and surgical expenses
  • Up toS$50 per day (30 days maximum) alternative domestic help benefit
  • S$2,000 to S$3,000 special grant
  • S$300 to S$500 maid’s personal belongings
Etiqa maid insurance
  • S$260 for Plan A
  • S$282 for Plan B
  • S$314.46 for Plan B
  • (26 months coverage)
  • S$60,000 personal accident
  • S$15,000 hospital and surgical expenses
  • S$500 to S$2,000 special grant
  • Up to S$5,000 for physical abuse by maid
  • Promo: 20% off valid until further notice. Enjoy an additional 5% off on their weekly Friday sale
NTUC Income maid insurance
  • Quote available here for Basic, Standard, and Enhanced tiers
  • S$60,000 accidental death/permanent disability
  • S$15,000 hospital and surgical expenses
  • S$1,500 to S$3,000 outpatient medical expenses due to injury
  • S$2,000 to S$3,000 special grant
Great Eastern Maid Insurance
  • S$217.21 for Plan A
  • S$282.20 for Plan B
  • S$353.10 for Plan C
  • (26 months coverage)
  • S$60,00 personal accident
  • S$15,000 to S$30,000 hospital and surgical expenses
  • S$1,000 to S$3,000 special grant
Sompo Maid Insurance
  • S$262.15 (below 40 years old) to S$345.61 (40 years old and above) for Deluxe
  • S$390.55 (below 40 years old) to S$521.06 (40 years old and above) for Superior
  • (26 months coverage)
  • S$60,000 to S$70,000 worldwide personal accident
  • S$30,000 to S$40,00 hospital and surgical expenses (limited to S$15,000 to S$20,000 per year)
  • S$250 to S$500 maid’s personal belongings
  • S$1,000 to S$3,000 special grant
AIA Maid Insurance
  • S$266 for Standard
  • S$307 for Executive
  • S$354 for Comprehensive
  • S$245 for Premier
  • (26 months coverage)
  • S$60,000 for Personal accident
  • S$15,000 to S$20,000 per year for Inpatient care and day surgery (max 180 days treatment)
  • S$1,000 to S$2,000 for outpatient medical expenses
Liberty Maid Insurance
  • S$262.50 for Plan 1
  • S$294.25 for Plan 2
  • S$406.60 for Plan 3
  • (26 months coverage)
  • S$60,000 personal accident
  • S$15,000 hospital and surgical expenses per year
  • S$1,000 to S$3,000 for outpatient kidney dialysis/cancer treatment
  • S$200 to S$300 for maid’s personal belongings

1. HL Assurance Maid Insurance

HL Maid Insurance Singapore

The HL Assurance Enhanced Maid Protect360 is an incredible way to protect your foreign domestic worker because its coverage is comprehensive. This can be your go-to plan if you want to prioritise giving your maid protection for their possessions, coverage for medical treatments, as well as optional medical check-ups, and dental visits.

This maid insurance in Singapore stands out plan has four tiers with 26 months of coverage – silver, gold, platinum, and diamond. It definitely provides amazing value for your money.

Silver Gold Platinum Diamond
Price S$245 S$303 S$396 S$484
Accidental death S$60,000 S$60,000 S$60,000 S$60,000
Permanent Disablement S$60,000 S$60,000 S$60,000 S$60,000
Medical expenses S$1,000 S$2,000 S$3,000 S$4,000
Hospital and surgical S$30,000 S$40,000 S$60,000 S$80,000
Termination and re-hiring expenses S$200 S$300 S$500 S$600
Maid personal belongings n/a S$1,000 S$2,000 S$3,000
Wages compensation and levy reimbursement n/a S$30 S$50 S$60

Get your HL Assurance Maid Protect360 here.

2. FWD Maid Insurance

FWD Maid Insurance

Another great plan you should consider is the FWD maid insurance. With this plan, you can choose add-ons if you want to enhance your coverage. For example, their COVID-19 add on is S$5,000. They also have a current 20% off promo if you use the code “MAID20.” Valid until further notice.

Get a quote here.

3. MSIG MaidPlus Insurance

MSIG MaidPlus Insurance

MSIG maid insurance provides excellent coverage for its premiums. This makes it a high value plan worth considering.

Its extensive benefits including the liability add-on makes it unique for those who want to prioritise benefits over costs. This plan also provides protection for employers from expenses that result from parting with their maid permanently or temporarily.

Standard Classic Premier
Personal accident S$60,000 S$60,000 S$60,000
Hospitalisation and surgical expenses S$15,000 S$30,000 S$50,000
Alternative domestic help benefit Up toS$50 per day (30 days maximum) Up toS$50 per day (45 days maximum) Up toS$50 per day (60 days maximum)
Wages & levy reimbursement Up toS$50 per day (30 days maximum) Up toS$50 per day (45 days maximum) Up toS$50 per day (60 days maximum)
Repatriation expenses S$10,000 S$15,000 S$20,000
Termination expenses S$300 S$600 S$600
Replacement maid expenses S$500 S$500 S$750
Special grant (following death during time of employment) S$2,000 S$3,000 S$3,000
Liability to third parties S$5,000 S$10,000 S$20,000
Maid’s personal belongings S$300 S$300 S$500
Maid insurance guarantee bond (MOM) S$5,000 S$5,000 S$5,000

Get quote here.

4. Etiqa Maid Insurance

Etiqa Maid Insurance

This is one of the most affordable domestic insurance plans you can purchase in Singapore, but it still provides great value in the market, especially considering it offers 26 months of coverage.

This plan also offers unique benefits such as critical illness, and physical abuse. However, keep in mind that its hospitalisation coverage is quite underwhelming.

Etiqa currently has a 20% off promo for the maid insurance. You can enjoy an additional 5% off on their weekly Friday sale. Valid until further notice.

Plan A Plan B Plan C
Price (26 months, without discount S$260.96 S$282.36 S$314.46
Letter of Guarantee to the Ministry of Manpower Singapore S$5,000 S$5,000 S$5,000
Personal accident S$60,000 S$65,000 S$70,000
Repatriation expenses S$10,000 S$10,000 S$10,000
Hospitalisation and surgical expense S$15,000 per year S$15,000 per year S$15,000 per year
Wages and levy reimbursement Up to S$30 per day Up to S$30 per day Up to S$30 per day
Recuperation benefit Up to S$10 per day Up to S$15 per day Up to S$20 per day
Alternative maid services Up to S$10 per day Up to S$15 per day Up to S$20 per day
Termination / Re-hiring expenses S$250 S$300 S$350
Maid’s liability S$5,000 S$7,500 S$10,000
Special grant S$500 S$1,000 S$2,000
Physical abuse by maid Up to S$5,000 Up to S$5,000 Up to S$5,000

Buy it here.

5. NTUC Income Maid Insurance

NTUC Income Maid Insurance

With this insurance, you can enjoy peace of mind that your domestic helper has above average medical cover and liability. Despite this, the premiums for the more expensive plans may not be the best choice for employers who are on a budget.

Basic Standard Enhanced
Accidental death/permanent disability S$60,000 S$60,000 S$60,000
Outpatient medical expenses due to injury S$1,500 S$2,000 S$3,000
Domestic helper’s personal liability (per policy) S$25,000 S$25,000 S$75,000
Special grant due to death n/a S$2,000 S$3,000
Expenses if you have to stop employing your domestic helper n/a S$150 SS$500
Wages compensation (up to 30 days) n/a S$20 per day maximum of 30 days S$35 per day maximum of 30 days
Hospital and surgical expenses (per year) S$15,000 S$15,000 S$15,000
Repatriation S$10,000 S$10,000 S$10,000
Security bond to Ministry of Manpower (not applicable for Malaysian helpers) S$5,000 S$5,000 S$5,000

Get a quote here.

6. Great Eastern Maid Insurance

Great Eastern Maid Insurance

Although the MaidGR8 plan offers incredible coverage, you will need to spend more if you want to enjoy a more comprehensive coverage with its high-tiered plans. Its Plans B and C are amazing for providing value for the price, although the benefits are not as big as other plans on this list.

Plan A Plan B Plan C
Price (26 months) S$217.21 S$282.20 S$353.10
Insurance guarantee n/a S$5,000 S$5,000
Personal accident S$60,000 S$60,000 S$60,000
Hospital and surgical expenses (per year) S$15,000 S$15,000 S$30,000
Repatriation expenses S$10,000 S$10,000 S$10,000
Recuperation expenses n/a S$20 per day maximum of 60 days S$30 per day maximum of 60 days
Wages and levy reimbursement n/a S$35 per day maximum of 60 days S$35 per day maximum of 60 days
Termination and rehiring expenses n/a Up to S$350 Up to S$500
Special grant n/a S$1,000 S$3,000
Employer’s liability to domestic maid n/a Up to S$50,000 Up to S$50,000
Liability to third party n/a Up to S$50,000 Up to S$50,000
Domestic maid effects n/a Up to S$300 Up to S$300

Buy here

7. Sompo Maid Insurance

Sompo Maid Insurance

The Sompo MaidEase Insurance provides balanced protection and below-average prices. Unlike other insurance providers, they only have two tiers but even its most inexpensive plan provides comprehensive coverage in almost all categories.

Deluxe Superior
Worldwide personal accident S$60,000 S$70,000
Repatriation expenses S$10,000 S$10,000
Hospital and surgical expenses S$30,000 subject to S$15,000 per year S$40,000 subject to S$20,000 per year
Wages compensation and levy reimbursement S$15 per day maximum of 60 days S$30 per day maximum of 60 days
Alternative help benefits n/a S$15 per day maximum of 30 days
Recuperation benefit n/a S$20 per day maximum of 60 days
Domestic helper liability S$2,500 S$5,000
Dread diseases n/a S$2,000
Termination expenses and re-hiring expenses S$250 S$500
Domestic helper’s belongings S$250 S$500
Special grant S$1,000 S$3,000
Fidelity guarantee n/a S$1,000

Here’s the insurance premium for 26 months.

Below 40 years old 40 years old and above
Deluxe S$262.15 S$345.61
Superior S$390.55 S$521.06

Fill up the application form here and send it to [email protected]

8. AIA Maid Insurance

AIA Maid Insurance

The AIA Domestic Help Cover Plus is a great choice for employers who want to insure domestic helpers that are 18 to 60 years old. With this plan, you no longer have to worry about the wellness and protection of your maid since it covers complete care for unforeseen situations.

Keep in mind that you may have to choose between the three most expensive offers to get comprehensive benefits.

Standard Executive Comprehensive Premier
Premium for 26 months S$266 S$307 S$354 S$245
Security bond guarantee S$5,000 S$5,000 S$5,000 n/a
Personal accident S$60,000 S$60,000 S$60,000 S$60,000 
Inpatient care and day surgery (max 180 days treatment) S$15,000 per year S$18,000 per year S$20,000 per year S$15,000 per year
Outpatient medical expenses S$1,000 S$1,000 S$2,000 S$2,000
Temporary help expenses n/a S$300 S$500 S$500
Repatriation expenses S$10,000 S$10,000 S$10,000 S$10,000
Termination expenses n/a S$300 S$500 S$300
Wage compensation n/a S$30 per day maximum of 60 days S$30 per day maximum of 60 days S$30 per day maximum of 60 days
Domestic helper liability n/a S$3,000 S$10,000 S$5,000

Know more about this plan here.

9. Liberty Maid Insurance

Liberty Maid Insurance

The MaidCare policy offered by Liberty Insurance has a straightforward coverage fit for every maid. It has all the features you would want in an insurance policy such as same day transmission to the Ministry of Manpower, immediate acknowledgement, and quick turnaround time for claims.

The higher-tiered plans cover outpatient kidney dialysis/cancer treatment, which is not something you can find in other policies.

Plan 1 Plan 2 Plan 3
Premium for 26 months S$267.50 S$294.25 S$406.60
Letter of Guarantee to Ministry of Manpower S$5,000 S$5,000 S$5,000
Personal accident S$60,000 S$60,000 S$60,000
Hospital and surgical expenses S$15,000 per year S$15,000 per year S$30,000 per year
Daily benefit n/a S$20 per day maximum of 60 days S$30 per day maximum of 60 days
Repatriation expenses S$10,000 S$10,000 S$10,000
Wages and levy reimbursement n/a Up to S$30 per day maximum of 60 days Up to S$30 per day maximum of 60 days
Re-hiring expenses n/a S$350 S$500
Outpatient kidney dialysis/cancer treatment n/a S$2,500 S$5,000
Special grant n/a S$1,000 S$3,000
Reimbursement of indemnity paid to insurer Optional Optional Optional
Maid’s personal belongings S$200 S$250 S$300

Know more about it here.

Frequently Asked Questions About Maid Insurance

Do you have additional questions about Singapore maid insurance? We’ll cover them below.

How much is domestic helper insurance in Singapore?

This usually ranges from S$200 to over S$400. Most insurance providers offer a wide range of tiers for their maid insurance plans. If you want to save money, opt for an inexpensive tier which mostly covers the minimum requirements set by Ministry of Manpower (MOM).

Can a maid buy insurance in Singapore?

Yes. All maids in Singapore should have an insurance as mandated by the MOM.

How do I claim maid insurance?

This depends on your insurer, but the process of filing claims usually involves submitting a claim form to the policy provider.

Does maid insurance cover outpatient?

Yes. Maid insurance in Singapore covers both outpatient and inpatient treatment.

Is maid insurance paid monthly?

Singapore maid insurance policies usually cover a minimum 14 months, and maximum of 26 months. You need to pay a one-time fee for this.

When should maid insurance start?

Insurance policies usually start 5 days after the date of purchase. However, this can still vary depending on the provider.

Can domestic helper buy insurance in Singapore?

Employers should pay maid insurance.

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