What does Singapore Maid Insurance Actually Cover?

Maids, also known as FDW which stands for foreign domestic workers, (or more lovingly “helpers”) are always a hot discussion topic amongst Singapore employers. One of those moments in life that are always good for an exchange of experiences are those where unforeseen things happen. In this case where the FDW maid gets sick and needs medical care or is involved in an accident. Hence the topic of Maid Insurance.

Certain medical expenses are covered by what is also known as FDW insurance. Maid insurance is a mandatory insurance. That means the Ministry of Manpower will not issue a work pass without the employer having bought maid insurance for his/her FDW. I say “certain” because the coverage that these policies can provide varies a lot.

Right off the bat, the first time a maid sees a Singapore doctor, it is probably not covered by your policy, because this will be the medical examination, which needs to be paid by the employer of the Maid Insurance Requirements. 

The Ministry of Manpower (MOM) requires employers to but a policy that provides at least medical coverage of S$15,000 per year for inpatient care and day surgery. In addition, personal accident coverage of S$60,000  covers unexpected and unforeseen incidents resulting in permanent disability or death. FDW insurance in Singapore is generally offered in combination with a security bond of S$5,000. Have a look at our frequently asked questions to learn more about all the terminology and requirements.

Many Singapore households are not aware of the various types of FDW insurance since they rely on the arrangement provided by the maid agency. It may however be a good investment to dig into the details a little, so that you can make an informed decision about which risks you want to cover for your maid and which not, knowing that you are always responsible for your maid and the medical expenses she incurs. 

Choosing your own policy ensures the coverage you purchase would be the ideal coverage for your maid. Now the question arises. How to get good coverage and be insurance for your Helper in Singapore without a financial burden?

Best Maid Insurances in Singapore (December 2019 )

The ranking change almost on a daily basis. It pays off however to compare maid insurance plans side-by-side. You can do that on Insurance Market. You select the plans you want to compare. We have more than 20 on the site.

At present the best selling ones are NTUC Maid Insurance, FWD Maid Insurance, Etiqa Maid Insurance and MSIG Maid Insurance. There are any more however, so best have a look for yourself at the site.

Also Read .

How to hire maid directly in Singapore without maid agency 2019?

 

 

Why buy Maid Insurance from Insurance Market

Looking for the Best maid insurance in Singapore that matches your requirements, you can contact Insurance Market for a more quick and fuss-free experience.

Insurance Market is a market place where we are serious about insurance and where professional parties come together to transact insurance only in the best and most responsible manner. Insurance Market offers a wide range of general insurance products (such as travel insurance, maid insurance, pet insurance and more) online and life insurance through personal advice from our qualified brokers

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  • Get discounts the moment they are live
  • Save time due to autofill of your info
  • 24/7 access to your policies online
  • Control your spend on insurances
  • We are based in Singapore
  • All your information is safe and secure