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maid insurance
out of 13 plans
from 6 insurers

and get the best policy in Singapore!

Etiqa maid insurance Liberty maid insurance Sompo maid insurance Eq maid insurance Hl maid insurance Msig car insurance
Maid Insurance useful tips
Check accidental medical expenses coverage.
Make sure that policy gives sufficient coverage in case your maid has an accident. Generally the basic maid insurance covers $1000 per annum.
Daily wage and Levy reimbursement can save you.
If your domestic helper is hospitalised, it will be most ideal if your maid insurance policy can cover for her wages during this period.
Waiver of indemnity is important.
For additional cost of $53.50, you can limit your liability on the $5000 security bond needed by MOM to $250. It limits your liability in case your maid breaks any law in Singapore.
Look for Third Party Liability
Covers you against any sums resulting from accidental bodily injury to any third parties, and accidental damage to any third parties’ properties caused by your domestic helper.
Protect your maid with a comprehensive but affordable plan
Choose Carefully!
Insurance Market
There are so many maid insurances policies around, also called fdw insurance for a foreign domestic worker, or domestic helper insurance). How do they compare? We make it easy for you by showing you 13 fdw policies of 6 different insurers side by side. So you can compare and select which policy best fits your needs and circumstances. Find either the cheapest fwd insurance or the best maid insurance as you like. Confused? Feel free to chat or call with us if you need more help or advice.
Quick and Easy
Insurance Market
It takes just 5 minutes to scroll down our offers and to buy insurance for your domestic worker (also called helper insurance or fdw insurance) from our online brokerage website. Just enter a few details about yourself and your maid, make payment online and send us a scanned copy of the renewal notice or in-principle approval (IPA) letter & the passport of the maid. This is all you need to buy insurance.
Ease Compare
Insurance Market
Compare domestic helper insurance side by side. We show you all your options based on your maid's nationality and your preferences. We provide great maid insurance promotions from time to time so you can be sure you are getting the best deal in town! At present for example we are giving 20% OFF on Liberty maid insurance. Since this week we have also added Etiqa maid insurance and HL maid insurance.
Urgent cases
Insurance Market
Oh oh, too late with your submission? Is your maid already on the way and you have not bought your maid insurance policy yet? No worries, give us a call and we can expedite the process of your maid insurance request and secure the insurance transmission to MOM on the same day, provided you can send us with all the required documents before 3 pm.
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Frequently Asked Questions

When employing a Foreign Domestic Worker (FDW, also known as domestic helper or maid), you have quite a few legal responsibilities. One of those is that you are required to bear the full cost of the medical care of your FDW. To limit financial consequences and to comply with the other requirements set by the Ministry of Manpower many insurance companies have developed Foreign Domestic Worker Insurance (FDW Insurance) policies. On our website we have a wide selection of them available to you, so immediately the question begs itself: which one to choose?

It is also up to you

Although not overly complicated in nature,  Foreign Domestic Worker Insurance, like any other, are different and that makes them quite difficult to compare. We have built a comprehensive rating model that will hopefully be able to help you in your selection.

What are major risks covered in a FDW Insurance Policy?

Before we go into the actual scores, we want to explain how we actually go about the rating in our base-line scoring model. Let’s first review the major risks that are covered.

Personal Accident Coverage

You are required to purchase personal accident insurance coverage for the maid, and the minimum sum insured as required by MOM is S$60,000. The amount is claimable should your maid suffers death or permanent disability due to accidents.

Medical Insurance Coverage

MOM requires all foreign domestic workers holding Work Permits to have a minimum medical insurance coverage of S$15,000 a year. Some policies go as high as $40,000 though. Medical expense coverage can help you pay for your maid’s bills if she requires medical treatment.

Security Bond

This is more a service than an insurance. The insurance company will issue a Letter of Guarantee for a S$5,000 security bond on your behalf to Ministry of Manpower, so that you don't have to put up a cash deposit. However, depending on the insurance package and options you purchase, you may still be liable for the $5,000 if your maid fails to comply with Singapore laws. An optional waiver of indemnity limits your $5,000 bond liability to a smaller amount, usually somewhere around $250, if the breach of the bond is not due to your negligence or fault. Since you pay an additional premium, we exclude this feature in our rating model, so as to keep the policies comparable.

Other Benefits

This covers matters such as legal or third party liability resulting from your maid's accidental negligence, coverage for termination expenses when your maid is certified unfit for work by a medical practitioner either due to injury or illness or repatriation expenses which covers the expenses for repatriating your maid's body or ashes due to an accident or illness that results in death.

So how do you tell which has the widest range of features, and which offers the best value? Here's how we did it.

How we choose what we review?

Our maid insurance review currently covers every policy we can sell to you. To that, we have added 1 or 2 more popular policies of insurers with a large market share in Singapore so that you have the full overview of what is available in the market.

How we test?

We look at every aspect of a maid insurance policy to see which ones stand out from the pack. Policies are scored out of 100, with points allocated in the following areas:

Medical: 45 points

We think this is the meat of a policy. The most weight is given to hospital and surgical expenses. This figure we use is the maximum dollar amount your insurer will pay out in a year. In this section, we also score on other medical benefits such as recuperation benefits, out-patient expenses and ability to use TCM.

Personal Accident: 35 points

This section defines what your maid will get disabled in some form or way after she meets with an accident. Do note that if the cause of death or permanent disability is not due to accident (eg. illness) you cannot make a claim under this category. In our rating we have put extra weight on total disability (versus loss of fingers or other parts) since this will render the maid continuing her work very improbable and will have far-reaching financial consequences for her.

Other Benefits: 20 points

In this section we score all the other benefits. Some policies cover for 1 or more critical illnesses, infidelity (theft) by the maid, third party liability, cost of making alternative arrangements when your maid is hospitalised and certain costs related to death of your maid.

Finally, we may add or take out point for what we qualify as anomalies. These are benefits that are not common to other policies (positive) or ones that are absent (negative) where we would expect these to be part of the basic package.

Rewarding policies that stand out

We score policies on the areas where they differ from each other. Policies can differ in many ways, and no single policy could possibly hope to have everything, which means we don't expect any policy to even approach 100 points. To compensate we apply a mathematical calculation to make scores more comparable and understandable that limits the range of the scores.

Premiums that are good value for money

For the Coverage Score we don't take premiums into account when scoring policies. Here you either make up your own mind about whether or not a product is within your budget or not.

How we recommend

We don’t recommend. We just present our professional interpretation of the facts. The choice is yours.

Ready to buy?

Head on over to our Maid Insurance comparison pages and press the buy button of the policy you select.

You need to have the following documents:
  • A copy of In-Principal Approval Letter or Renewal Notice from Ministry of Manpower
  • A copy of FDW’s passport
A short period refund will be payable for the policy cancellation within 365 days from the inception date of the policy. There is normally no refund after 6 months as a general guide. There is also no refund when there is a claim lodged under this policy.
Upon the successful issuance of the domestic helper insurance, the policy details will be transmitted to MOM. Once the details are successfully transmitted, you can proceed to renew or issue your maid’s work permit at MOM website. As for the issuance of Performance Bond, the insurer will issue a Letter of Guarantee to the Philippine Overseas Labour Office in Singapore ("POLO") on your behalf.
This is a Ministry of Manpower(MOM) requirement. MOM requires all insurance and bond to have an additional 2 months of cover so that in any event/ reason the maid overstays in Singapore after her work permit has expired, she is still covered under the insurance.
  • You will need to cancel your maid’s work permit on the MOM website. You will then receive Work Permit Cancellation notice from MOM via email and inform us.
  • Upon receipt of the Discharge Letter from MOM (average 1-2 weeks), you may email us to cancel your FDW insurance policy. The insurer will then proceed with policy cancellation and refund (if any) to you.
Yes, all maid insurance plans available on our portal come with Security Bond as per MOM requirement.
  • Medical insurance cover of at least $15,000 yearly for inpatient care and day surgery while in Singapore.
  • Personal accident insurance sum assured of at least $60,000 yearly.
A security bond is a binding pledge to pay the government (up to $5,000) if you break the law or the conditions governing the employment of a helper. When this Bond is activated, the insurer guarantees to pay the government on your behalf first; then the insurer claims back the money from you.
In the event that the Security Bond is forfeited (up to $5,000), you will only need to pay a small sum called excess (normally $250) while the insurer takes care of the balance payment. This Add-On benefit is available for an additional premium of $53.50. An important point to note is this waiver benefit will not be payable in the event of any breach by the insured (employer) of the conditions of the Security Bond imposed by MOM.
If you purchase maid insurance on our portal plus submission of supporting documents (MOM letter and FDW’s passport copies) to us by 3pm on a working day, MOM transmission and policy issuance by the insurer can be completed the next working day (late morning).