Maid Insurance

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Maid insurance, also known as Foreign Domestic Worker (FDW) insurance, is a mandatory insurance policy in Singapore for all employers of foreign domestic workers. It provides essential coverage for your helper, protecting both her and you, the employer, from various risks and liabilities.

TLDR: Maid insurance isn’t just required by law — it protects your helper’s well-being and shields you from unexpected costs. It’s a responsible way to ensure peace of mind for both of you.

Purpose: The primary purpose of maid insurance is to ensure the well-being of your foreign domestic worker and to protect you, the employer, from potential financial liabilities arising from her employment. It covers medical expenses, personal accident, and other unforeseen circumstances, as mandated by the Ministry of Manpower (MOM) in Singapore.

Coverage: Maid insurance policies in Singapore typically include:

• Personal Accident Coverage: This is a mandatory component, providing a lump sum payout to your helper or her beneficiaries in case of accidental death or permanent disability. The minimum sum assured is S$60,000.
• Medical Expenses: This is also mandatory, covering hospitalization and surgical expenses for your helper. The minimum annual coverage is S$15,000.
• Repatriation Expenses: Covers the cost of sending your helper home in case of serious illness, injury, or death. The minimum sum assured is S$10,000.
• Employer's Liability: Protects you, the employer, against legal liabilities if your helper suffers an injury or illness arising from her work, as per the Work Injury Compensation Act (WICA).
• Optional Benefits: Many policies offer additional benefits such as coverage for critical illnesses, dental expenses, theft by the helper, alternative helper expenses, and even termination or re-hiring expenses.

Use-Case: Suppose your foreign domestic worker accidentally slips and falls while cleaning your home, resulting in a fractured arm that requires surgery and hospitalization. Without maid insurance, you, as the employer, would be fully responsible for all her medical bills, which could be thousands of dollars. With maid insurance, the policy would cover her medical expenses up to the insured limit, and also protect you from any potential legal claims under WICA, significantly easing your financial burden and ensuring your helper receives the necessary care.

Hiring a helper? Our expert advisors are here to help you choose the right maid insurance plan. We work with 18 trusted insurance partners in Singapore to ensure you meet MOM’s requirements and protect both your helper and yourself.