Maid insurance
MOM-compliant cover for your helper, with the security bond included.
- Hospital and surgical bills, at or above the MOM minimum
- Personal accident cover of S$60,000, as MOM requires
- The S$5,000 security bond, as an insurer guarantee
What's covered
- Hospital and surgical bills, at or above the MOM minimum
- Personal accident cover of S$60,000, as MOM requires
- The S$5,000 security bond, as an insurer guarantee
- Repatriation if your helper passes away or must return home
What's not covered
- Conditions found at your helper's pre-employment medical exam
- Pregnancy and childbirth
- Cosmetic and routine dental treatment
- Self-inflicted injury
Every insurer words its exclusions differently. The plan details on the results page show each one.
How comparing maid insurance works here
Answer a few questions about your helper and the cover you need. Every plan we show meets the Ministry of Manpower's minimum requirements for medical and personal accident cover, and includes the S$5,000 security bond.
When you pick a plan, you finish buying on the insurer's own site, with your answers already filled in. The insurer sends the bond guarantee to MOM.
Before you choose
- Hospital and surgical limits vary between plans. A higher limit means fewer bills left for you if your helper needs a long stay.
- A bond waiver protects you if the bond is forfeited, for example if your helper goes missing.
- Cover should start before your helper starts work, and run for the length of the work permit.
Questions people ask
Is maid insurance compulsory?
Yes. MOM requires employers to buy medical and personal accident cover, and a S$5,000 security bond, before the work permit is issued.
What does the bond waiver do?
If MOM forfeits the bond, the insurer pays it. Without a waiver, the insurer can ask you to repay that S$5,000. With it, they usually cannot.
Why 14 or 26 months?
Work permits run for one or two years. The extra two months cover the time between applying and the permit being issued.