Insurance requirements for foreign domestic worker

We need to buy medical and personal accident insurance for our helper. Find out the coverage required and how to submit the foreign maid insurance in Singapore. Before our helper arrives in Singapore, we must buy medical insurance and personal accident insurance as part of our medical obligations to her. We cannot pass on the cost of purchasing the insurance to our helper.

Medical insurance

We need to buy medical insurance with coverage of at least $15,000 per year for inpatient care and day surgery during our helper’s stay in Singapore.

We also want to submit the medical insurance details online when we are issuing or renewing our helper’s work permit. We can get our employment agency to submit the details to us.

Best outpatient cover for our maid

Our maid insurance protects us against unexpected expenses as we hire a new maid or renew our maid’s work permit. We will provide medical insurance and accident cover for our maid and issue a security bond to the Ministry of Manpower.

Insurance that protects us and our maid

Security bond plus

We know we want a peace of mind so we pay for the security bond without additional charges.

Cancellation refund

We understand that sometimes we may find our maid or helper unsuitable and require a replacement, so we are the first insurer to offer a full premium refund if we cancel our policy within the first 3 months.

Protection for our family

Our family matters the most to us. If our child, an elderly or handicapped family member is physically harmed by our maid or helper, we will pay for their medical expenses and the cost to hire a replacement or temporary maid service.

Make a great plan even better. Add on

Outpatient medical expenses

We are the first in the market to cover our maid or helper’s medical expenses, should she fall sick and need to see a doctor.

Top up hospitalization & surgical expenses

Secure ourselves against additional hospitalization operating cost for our maid or helper, worldwide.

Daily hospital allowance

We will pay a daily hospital allowance for up to 30 days in case our maid or helper gets hospitalized because of an injury or illness.

How to choose the best maid insurance policies?

It is not easy to decide which the best maid insurance policy in Singapore is. That is because the definition of what is “best” differs from individuals depending on what it is that we prioritize.

For some, the lower cost policies that fulfill MOM requirements would be the best policies to choose from. For others, it could whichever policies provide the highest coverage regardless of cost. At the same time, some policies with high medical coverage may also exclude other benefits. So which is best?

To help us verify which the best maid insurance policy in Singapore is, we are working with Insurance Market to provide Singaporeans with a comparison platform customized for maid insurance in Singapore.

For example, if what is important to us is price, then it will recommend to us affordable policies to consider. If what we want is coverage, it will recommend us policies with extensive coverage. If we want a mixture of both, it will recommend to us policies that provide the best value for money.

In addition, we can also personalize the type of benefits that are important to us. For example, if we think medical expenses is more important while third party liability is not critical, the platform will adjust its recommendations based on our preference.

The best part of the platform is that it allows us to compare and buy the insurance policies we want conveniently online. So we no longer need to buy whatever insurance policies the maid agencies recommend, or be forced to do our own comparison. For more details, you can visit our page at medical insurance for foreign workers in Singapore.

Share this:

Leave a Comment