10 Best Maid Insurance in Singapore – Our Top Picks [2021]

Your domestic helper plays an important role in your household, protect her with the right coverage today!

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While purchasing maid insurance in Singapore may not be an uphill task, it is also not an easy decision as there often lies overlooked factors for consideration. The Ministry of Manpower (MOM) in Singapore mandates that one would need to buy medical, personal accident and liability insurance for their domestic helper as parts of medical obligations to the domestic helper.

Most maid agencies offer insurance as part of the contract, but if you choose to opt-out and source for the insurance package which can best cater to your foreign domestic worker needs, this article would probably come in handy. Or if you’re simply looking to get more protection and coverage that is most suited for your domestic helper’s needs, read on to find out more on some of the most popular industry offerings!

Insurance policies can cover a whole lot of areas and these are just some of the few:

  1. Personal accident coverage
  2. Medical expenses coverage
  3. Repatriation and termination expenses
  4. Replacement Maid Expenses
  5. Wages and levy reimbursement
  6. Termination Expenses

Here is our list of the 10 best maid insurance in singapore that we think are worth considering.

* Check out the special promos SingSaver has managed to arrange with some of the maid insurance providers.

1. FWD Essential

Type of InformationDetails
Websitehttps://www.fwd.com.sg/maid-insurance/
Coverage and BenefitsFor your Maid
– Personal Accident Cover
– Funeral Grant
– Third-Party Liability

For You
– Outpatient expenses due to accident
– Termination/ Re-hiring expenses
– Ambulance fees
– Security bond guarantee
COVID-19 Cover Add-OnFWD Maid insurance provides COVID-19 coverage for all maids, whether returning to or entering Singapore, at no additional cost. It covers up to S$25,000 for hospitalisation costs incurred by your helper if she is diagnosed with COVID-19 during the period of insurance.
CostTotal premium of $297.50 SGD for the most basic essential plan with 26 months coverage

FWD’s maid insurance plans are known for their comprehensive suite of medical coverage. With a focus on medical needs, FWD offers an array of independent medical add-ons such as cashless outpatient medical expenses which pays up to $30 SGD per doctor’s visit. Also, their 6 month medical examination package covers MOM’s mandatory 6-monthly medical tests (for pregnancy and syphilis).

Plan pricing highlights - Maid Insurance

What We Like About FWD Essential

Independent Add-ons: Offers flexibility in the case of one holding an existing maid insurance from any insurer, he/she would be able to purchase the attractive independent add-ons from FWD.

Comprehensive range of add-ons: In addition to the high level of coverage, the range of add-ons offer customisability, for each client to only add the necessary insurance needed which are best suited to the needs of their domestic helper.

2. TIQ eProtect Maid

Type of InformationDetails
Websitehttps://www.tiq.com.sg/product/maid-insurance/

*SingSaver promo – Get rewarded with S$5 via PayNow and 20% off your premium!
Coverage and BenefitsFor your Maid
– Critical illness
– 24-hr worldwide protection
– Repatriation expenses

For You
– Recuperation benefit
– Termination/Re-hiring expenses
– Physical abuse by maid
– Security bond guarantee
COVID-19 Cover Add-On21 days COVID-19 cover protection of up to S$15,000 for your maid’s hospitalisation and surgical expenses due to COVID-19 treatment
CostTotal premium of $208.77 SGD for the most basic plan A for a coverage period of 26 months

TIQ eProtect Maid insurance offers 3 plans under its umbrella of schemes with different levels of sum insured. They also offer a multitude of add-ons to customize your eProtect Maid insurance plan, some of which includes critical illness coverage in case of such unfortunate incidents and also home coverage due to fire, burglary or theft by maid.

Plan pricing highlights - Maid Insurance

What We Like About TIQ eProtect Maid

Affordability: Maid insurance made affordable, flexible and easy – touted as one of the most affordable insurance plans in Singapore, do consider this if budget is high up your priority list. On top of its competitive offerings, there is a 25% discount going on now.

User-Friendliness: Another plus point of eTiQa’s insurance is their online platform which allows you to get a quote in seconds, saving you lengthy and time-consuming calls / research just to compare prices.

In addition, SingSaver is currently having a promotion for TIQ eProtect Maid with a S$5 reward via PayNow and 20% off your premium when you apply. Valid till 31 October 2021. T&Cs apply.

3. HL Assurance Maid Protect 360

Type of InformationDetails
Websitehttps://www.hlas.com.sg/personalinsurance/maidinsurance/

*SingSaver promo – Get rewarded with S$10 via PayNow!
Coverage and BenefitsFor your Maid
– Accidental Death
– Permanent Disablement
– Hospital & Surgical
– Dental Coverage (Non-Basic plan)

For You
– Termination/Re-hiring expenses
– Security bond guarantee
COVID-19 Cover Add-OnEnhanced Medical Benefits Rider – Cover your helper with the protection from COVID-19 (including during Stay-Home Notice)
CostTotal premium of $239 SGD for the most basic Maid Protect 360 Plan for a coverage period of 26 months

Comparing across the board, the Maid Protect 360 plan may not offer the most competitive prices but its coverage for your domestic helper is extensive. However, limited liability protection benefits for the employer may not appeal to those looking for more employer coverage.

In short, the Maid Protect 360 plan, for the range of offered benefits is not as value for money compared to other insurance plans at similar price points but there seems to be more aspects of coverage. This may not be your go-to option unless you are looking for the most basic set of services.

Plan pricing highlights - Maid Insurance

What We Like About Maid Protect 360

Medical Coverage: Maid Protect360 also provides you with optional covers to save up to 50% when your maid does her 6-monthly medical check-up in the List of Clinics For Six-Monthly Medical Examination and/or Enhanced Medical Benefits to give your helper more coverage and protection against infectious Diseases, critical Illnesses and COVID-19. Employers will also enjoy savings of up to 50% on medical GP consultation when your maid visits the panel of preferred clinics.

Speaking of which, SingSaver is currently having a promotion for HL Assurance Maid Protect 360 with S$10 reward via PayNow when you apply. Valid till 31 October 2021. T&Cs apply.

4. MSIG MaidPlus

Type of InformationDetails
Websitehttps://www.msig.com.sg/personal-insurance/maidplus

*SingSaver promo – Enjoy 20% off and also get rewarded with S$20 via PayNow! For Classic and Premier plans, your helper can enjoy a free medical checkup from MSIG.
Coverage and BenefitsFor your Maid
– Hospital and Surgical Cover
– Personal Accident Cover
– Replacement Maid Hiring Expenses

For You
– Daily Wages & Levy Reimbursement 
– Maid Insurance Guarantee Bond
– Medical Expenses Benefit
– Alternative Domestic Help Benefit
COVID-19 Cover Add-OnMSIG’s policyholders can include the COVID-19 benefit to their MaidPlus policy with an additional premium of $64.20 (inclusive of 7% GST) for up to 26-month cover, subject to the prevailing discount if applicable
CostTotal premium of $265.36 SGD for the standard plan for a coverage period of 26 months

MaidPlus is known for its extensive coverage on both fronts – higher employer liability coverage and higher benefits for the domestic helpers. This would be a good option for those who value the security of having more coverage over costs. There are 3 plans to choose from, the Standard, Classic and Premier plan. When comparing 26-month premiums, the Standard plan costs 12% below average, making it one of the cheaper options on the market.

Plan pricing highlights - Maid Insurance

What We Like About MaidPlus

Value for money: The price for the amount of coverage in its standard plans makes it super worth it, benchmarking it other industry offerings. However, do note that MaidPlus only comes in the 26-month plan, without the 14-month plan option.

What’s more, SingSaver is currently having a promotion for MSIG MaidPlus insurance plan with 20% off and a S$20 reward via PayNow when you apply. Valid till 31 October 2021. For Classic and Premier plans, your helper can enjoy a free medical checkup from MSIG. T&Cs apply.

5. Great Eastern MaidGR8

Type of InformationDetails
Websitehttps://www.greateasternlife.com/sg/en/personal-insurance/our-products/maid-insurance/maidgr8.html
Coverage and BenefitsFor your Maid
– Death
– Permanent disablement
– TCM Treatment
– Medical expenses

For You
– Domestic worker’s liability 
– Employer’s liability
– Reimbursement of hospital and surgical expenses
COVID-19 Cover Add-OnNo special add-on protection but do refer to COVID-19 coverage
CostTotal premium of $265.36 SGD for the plan B with a coverage period of 26 months

The GR8 Maid plan confers great benefits to the employer with extensive liability coverage. If you are looking to avoid lawsuits or to get a greater safety net, the GR8 Maid plan might be just what you are looking for.

Plan pricing highlights - Maid Insurance

What We Like About GR8 Maid

Though it may not offer the most attractive rates, it’s definitely value for money – depending on what you’re looking for really! The amount of coverage for the price, especially with the focus on employer liability coverage ranks this amongst the top few in our list.

6. AXA Smart Helper

Type of InformationDetails
Websitehttps://www.axa.com.sg/helper-insurance#plans
Coverage and BenefitsFor your Maid
– 24-hour Worldwide Personal Accident Cover
– Critical Illness Cover
– Repatriation Cover

For You
– Personal Liability Cover
– Repatriation Cover
COVID-19 Cover Add-OnNo special add-on protection but do refer to COVID-19 coverage
CostTotal premium of $256.80 SGD for the standard plan with a coverage period of 26 months

Through the cost might be a little more on the ‘hefty’ side, if you are looking for a plan with more comprehensive medical coverage, SmartHelper might be the one for you. Do consider this if you have a more flexible budget and are looking for a plan which offers a wider coverage of a range of medical conditions

Plan pricing highlights - Maid Insurance

What We Like About SmartHelper

The range of unique add-ons: From Top-Up Covers for Hospitalisation & Surgical (in blocks of $5000), Psychiatric Care and also dental care, these add-ons are not commonly seen in other maid insurance plans.

7. NTUC Income Domestic Helper Insurance

Type of InformationDetails
Websitehttps://www.income.com.sg/domestic-helper-insurance
Coverage and BenefitsFor your Maid
– Special grant due to death
– Outpatient medical expenses due to injury
– Hospital and surgical expenses

For You
– MOM Security Bond Protector
– Additional hospital and surgical expenses coverage
COVID-19 Cover Add-OnIn the event your domestic helper is diagnosed with COVID-19 within 14 days of entry or re-entry to Singapore, the 14-day COVID-19 cover will pay up to $30,000 per incident for the treatment costs of hospitalisation in restructured hospitals and community care facilities.
CostTotal premium of $314.36 SGD for the basic plan with a coverage period of 26 months
Plan pricing highlights - Maid Insurance

What we like about NTUC Income Domestic Helper Insurance

Convenience: One thing we note is the courier service provided, where after they handle all the paperwork for your helper’s work permit renewal and insurance, they will courier the documents right to your doorstep. Coverage and add-ons wise, the NTUC insurance is pretty much similar to other industry offerings but at a much heftier rate. If budget ranks at the top of your priority, this would likely not be your preferred choice.

8. DBS Maid Protect

Type of InformationDetails
Websitehttps://www.dbs.com.sg/personal/promotion/maid-protect
Coverage and BenefitsFor your Maid
– Accidental Permanent Total Disablement
– Accidental Medical Expenses Reimbursement
– Hospital and Surgical Expenses

For You
– Liability To Third Parties
– Insurance Guarantee Bond
COVID-19 Cover Add-OnCOVID-19 Hospital Cash insurance policy
CostTotal premium of $209.19 SGD for the basic plan with a coverage period of 26 months

Maid Protect is an insurance plan underwritten by Chubb Insurance Singapore Limited, providing coverage in line with MOM’s revised requirements. Currently, DBS is offering a 15% discount on Maid Protect packages purchased from 1 June 2021 to 30 September 2021.

Plan pricing highlights - Maid Insurance

What We Like About Maid Protect

Its comprehensive insurance coverage for your maid and how easy it is to apply for the policy online. If you are looking for a package with basic coverage at a great cost, Maid Protect might just be what you’re looking for! However, do note that the policy only comes in the 26-month option.

9. AIG Personal Accident Plan

Type of InformationDetails
Websitehttps://www.aig.sg/personal/domestic-helper-insurance?utm_source=home-page-domestic&utm_medium=website-main&utm_campaign=topnav
Coverage and BenefitsFor your Maid
– Worldwide personal accident coverage
– Post-hospitalisation coverage
– Medical reimbursement for infectious disease

For You
– Salary and government levy reimbursement
– Hire a part-time helper
– Termination costs coverage
COVID-19 Cover Add-OnNil
CostTotal premium of $253.74 SGD for the basic plan with a coverage period of 26 months
Plan pricing highlights - Maid Insurance

What We Like About AIG

AIG has a extensive range of plans to choose from, to find the one that would best meet your needs and budget. It has about equal emphasis on medical benefits for your domestic helper and also liability coverage for yourself. The superior plan price lies slightly on the higher end while the classic plan provides just the most basic coverage, at a slightly higher price than its peers.

10. Sompo MaidEase

Type of InformationDetails
Websitehttps://www.sompo.com.sg/products/maidease#ChildVerticalTab_1
Coverage and BenefitsFor your Maid
Worldwide personal accident coverage
Hospital and Surgical Expenses from private and public hospitals
For You
Waiver of Counter Indemnity
Domestic Helper Liability
Repatriation Expenses 
COVID-19 Cover Add-OnNil
CostTotal premium of $262.15 SGD for the basic plan with a coverage period of 24 months

Sompo’s premium rating is computed for 24 months period in line with Work Permit Period. They do not charge any premium for the additional 2 months buffer period required by MOM for the current work permit. As such, these additional 2 months cannot be transferred to the next Work Permit renewal period or extension period.

Plan pricing highlights - Maid Insurance

What We Like About MaidEase

Though not one of the more popular policies out in the market, its unique medical coverage is a deciding factor for choosing MaidEase. From guarding against dengue fever to Chinese physician treatments, it covers medical expenses related to these treatments, something we do not see in many other policies.

Conclusion

Do you have any reviews and comments to share regarding our choices for the best maid insurance in Singapore?

While SBO is committed to supporting our local businesses, we welcome any feedback and anonymous sharing regarding your experience with the above-listed maid insurance policies in Singapore.

We hope that this guide will be useful in helping you to make an informed decision when it comes to finding the best maid insurance in Singapore.

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    Always on the hunt for new ideas! I enjoy analysing how market conditions affect businesses and coming up with solutions intrigues me. Apart from this geeky side of me, I'm often in the gym HIIT-ing it out to some heart-pumping music.
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