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.
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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 | |
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HL Assurance Maid Insurance |
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FWD Maid Insurance |
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MSIG MaidPlus Insurance |
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Etiqa maid insurance |
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NTUC Income maid insurance |
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Great Eastern Maid Insurance |
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Sompo Maid Insurance |
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AIA Maid Insurance |
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Liberty Maid Insurance |
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1. HL Assurance Maid Insurance

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 | |
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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

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 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 | |
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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

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 | |
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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

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 | |
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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

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 | |
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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

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 | |
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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 | |
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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

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 | |
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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

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 | |
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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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