Essential Domestic Helper Insurance
Affordable and Reliable Maid Insurance Coverage
Choosing our maid insurance offers numerous benefits to both employers and domestic helpers:
- We provide reliable services to the employer, making their work easier and giving them stress-free assurance.
- Our insurance plans are designed to be the cheapest maid insurance options available without compromising on coverage.
With comprehensive benefits, our policies protect against various risks, ensuring that both you and your maid are well-covered.
Plus, we offer maid insurance renewal reminders, so you never have to worry about lapses in coverage. You can trust us to provide the best maid insurance to safeguard your household and your domestic helper’s well-being.
Maid Insurance Packages
When you choose us for your maid insurance needs, you get a thorough overview of the features, limitations, and benefits of maid insurance policies available in Singapore.
Our policies include:
- Personal accidental protection to ensure your maid's safety in case of unexpected events.
- Hospitalisation and surgical expenses, so you don't have to worry about high medical costs.
- Repatriation expenses to assist in returning your maid to her home country if necessary.
- With daily payouts, we support your maid during recovery periods.
- Additionally, our insurance provides medical coverage, ensuring comprehensive protection.
Let us help you compare maid insurance options and find the best plan for your needs.
How to Claim Maid Insurance?
Here’s a simple step-by-step guide to claiming maid insurance:
- Review Your Policy: Start by checking your policy documents to understand your domestic helper insurance coverage and ensure the claim is valid under your plan.
- Gather Documentation: Collect all necessary documents, such as medical reports, receipts for expenses, and any relevant incident reports. This will help support your claim.
- Contact Your Insurance Provider: Reach out to your insurance provider to inform them of your intention to file a claim. They will guide you on the specific process and any additional forms you need to complete.
- Complete Claim Forms: Fill out the required claim forms provided by your insurance provider. Be sure to include all relevant details and attach your supporting documents.
- Submit Your Claim: Send the completed claim forms and documentation to your insurance provider. This can often be done online, via email, or by postal mail.
- Follow Up: After submission, monitor the status of your claim by contacting your insurance provider. They may require additional information or updates during the review process.
- Receive Payment: Once your claim is approved, you will receive payment according to the terms of your policy. Ensure you understand the payment process and timeline.
Following these steps will help you efficiently manage your claim and make the most of your domestic helper insurance coverage.
Apply for Your Maid Insurance Today
Don’t wait any longer—apply now for our comprehensive maid insurance and give your domestic helper the protection she deserves.
Our plans offer great coverage, including maid insurance with security bond, so you can enjoy complete reassurance. If you have any questions or need more details, feel free to contact us—we’re here to help.
Make sure your maid’s well-being is taken care of and keep your home secure today!
Why Do I Need Maid Insurance in Singapore?
In Singapore, maid insurance is mandatory for hiring a foreign domestic worker (FDW).
This insurance typically covers medical expenses, personal accident benefits, and repatriation expenses in case of the maid's death or permanent disability. Some policies also offer additional benefits, such as wage compensation during hospitalization, coverage for the employer's liability under the Work Injury Compensation Act (WICA), and third-party liability coverage.
Note: It is recommended to include the minimum coverage requirements (in-patient care, personal accident, and personal disability) and consider additional coverage options (including outpatient medical expenses, and alternative therapies).
Understanding the claim process is also essential for comprehensive protection. When searching for the best maid insurance in Singapore, look for policies that include a security bond for added certainty.
Contact Us
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Let us get in touch with you by filling out the email form below.
Your Top Questions About Maid Insurance in Singapore Answered
Frequently Asked Questions
Got questions about maid insurance in Singapore? Our FAQ section covers everything you need to know, from coverage details to finding the best plan, making it easy to get the answers you need.
What is maid insurance?
Maid insurance is there to protect your domestic helper from unexpected expenses. It’s a must-have and can really help you save on extra costs if an emergency arises.
Essentially, domestic helper insurance makes sure your maid is covered for various situations, so you can handle any surprises more smoothly.
How much does maid insurance cost in Singapore?
In Singapore, maid insurance usually costs between $270 and $500 a year, depending on what kind of coverage you’re looking for.
For example, the FWD Maid Insurance - Essential Plan is around $432.37, and the GREAT Maid Protect - Silver Plan is about $416.82. If you're on the hunt for the cheapest maid insurance, you can find options starting at around $270.
To get the best deal, it’s a good idea to compare maid insurance plans and see which one gives you the most value. And if you’re interested in income maid insurance, those plans typically cost about $480. Take a look at your options and find the plan that works best for you!
When should I renew my maid insurance?
Renewing maid insurance in Singapore is straightforward—just follow these steps:
- Check Your Renewal Notice: Around eight weeks before your maid's Work Permit expires, you should receive a renewal notice from MOM.
- Set the Effective Date: When renewing, make sure to set the policy effective date as one day after your maid’s current Work Permit ends.
For smooth and continuous coverage, take a moment to compare maid insurance plans to find what best suits your needs. Whether you're looking for the cheapest maid insurance or need to purchase a security bond, we've got you covered - contact us today.
Does maid insurance cover GP visits?
Yes, maid insurance can cover GP visits in certain situations. For example, some policies offer up to $3,000 for outpatient medical expenses if your helper needs to see a general practitioner (GP) or visit a polyclinic due to an accident.
Just a quick note: you can’t ask your MDW (Maid Domestic Worker) to pay for any of her medical expenses, including anything that goes beyond what the insurance covers.
To make things easier, MOM requires you to have both medical insurance and personal accident insurance with a minimum coverage before you can employ your MDW. It’s a smart move to go for insurance with higher coverage so you’re well protected from any unexpected medical bills.
Does maid insurance cover hospitalisation?
Yes, maid insurance does cover hospitalisation. If your maid experiences a serious injury or illness while outside Singapore, the insurance will cover hospital and surgical expenses, with your permission.
This is if a medical practitioner confirms that urgent treatment is needed to prevent serious harm or death. So, you can have peace of mind knowing that necessary medical costs are covered.
Why is maid insurance for 26 months?
Maid insurance helps protect your domestic helper from unexpected expenses and ensures you’re covered financially.
Typically, the policy lasts for 14 or 26 months instead of the usual 12 or 24 months. This extra coverage, required by MOM, gives your helper an additional two months of protection after her work permit expires, just in case there are delays with her repatriation.
This extended coverage is included at no extra cost and is part of the domestic helper insurance coverage. For the best maid insurance in Singapore, look for policies that offer this extra time to ensure your helper is fully protected.
Can maid insurance be transferred?
Yes, maid insurance can usually be transferred to a new domestic helper. Just be sure to check with your insurer to confirm their policy on transfers. If they don’t allow transfers, you might still be able to get a refund for any unused portion of the insurance when your current maid heads back home at the end of her contract.
What does maid insurance cover?
Maid insurance has you covered in several important ways. It takes care of medical expenses for hospital visits and treatments, and provides personal accident protection with a lump sum if there’s accidental death or permanent disability.
It also includes third-party liability, so you’re protected if your maid accidentally causes damage or injury. On top of that, some policies offer extra benefits like finding a replacement maid if needed, covering repatriation expenses to send her home if necessary, and protecting against theft or damage to your property caused by the maid. It’s a smart way to ensure you and your helper are well-protected and taken care of.
What is the $5,000 security bond for maids?
The $5,000 security bond for maids is essentially a guarantee you provide to the government. It’s a binding pledge to cover any penalties or costs if either you or your helper break the law or violate Work Permit conditions.
This bond comes in the form of a banker's or insurer's guarantee and is required for each helper you employ, except for Malaysian helpers. This is separate from maid insurance, which provides coverage for medical expenses, personal accidents, and other benefits.
What is the insurance guarantee in maid insurance?
The insurance guarantee in maid insurance provides key protections. Certain policies cover up to $20,000 to send your maid back to her home country in the event of permanent disablement or death.
Additionally, as part of the maid insurance guarantee bond, some providers issue a letter of guarantee to the Ministry of Manpower (MOM) for the mandatory $5,000 security bond. This ensures that both you and your maid are well-protected and compliant with the regulations.