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Maid Insurance in Singapore: Things You Need to Know

What is Maid Insurance?

Maid Insurance: What is it All About?

Maid insurance in Singapore is a form of coverage designed to safeguard both employers and their domestic helpers. It's a legal requirement for employers to purchase maid insurance when hiring through a licensed Indonesian maid employment agency in Singapore.

Why Do I Need It?

Hiring a maid is a significant responsibility, and accidents can happen even in the safest of environments. Maid insurance helps cover medical expenses, repatriation costs, and even liability claims. It ensures that both you and your maid are safeguarded against unexpected expenses.

Key Coverage Areas

What Does It Cover?

  • Personal Accident Coverage

Accidents can happen anytime, anywhere. This coverage helps cover medical expenses and compensation in case of accidental injuries or death of your maid.

  • Medical Expenses

If your maid falls ill or requires medical attention, the insurance can help cover the cost of medical treatment and hospitalization.

  • Hospitalization Expenses

In case your maid needs to stay in the hospital, the insurance can help ease the financial burden by covering hospitalization expenses.

  • Security Bond

This is a requirement set by the Ministry of Manpower (MOM). If your maid runs away or violates her work permit, the insurance can help cover the security bond amount.

Is It Mandatory?

Do I Have to Get Maid Insurance?

Yes, it's a legal requirement in Singapore. The Ministry of Manpower (MOM) mandates employers to provide adequate insurance coverage for their domestic helpers. Failing to do so can result in penalties and legal issues.

Where Can I Buy It?

You can purchase maid insurance through licensed Indonesian maid agencies in Singapore. They often offer insurance packages as part of their services.

Common Misconceptions about Maid Insurance

Misconception 1: Maid insurance covers all your Foreign Domestic Worker’s medical needs.

Fact: Maid insurance covers some medical costs, but not everything. It might pay for hospitalization, but not outpatient clinic visits for minor issues like colds or flu.

Misconception 2: A cheaper policy is good enough.

Fact: Cheaper policies may meet basic requirements, but they often don't cover significant expenses like hospitalization and surgery. Comprehensive policies can also protect against things like theft or lost wages.

Misconception 3: Your insurance is pointless if you terminate your helper's contract.

Fact: Your insurance can still be helpful. It might cover termination expenses and agency fees if your helper can't work due to an accident or illness.

Misconception 4: You'll never need to use your maid insurance.

Fact: You might need it. If your helper gets seriously ill or has an accident, or if the Ministry of Manpower requires you to cover hospital expenses, your insurance can help with the big medical bills.

The Cost of Indonesian Maid Insurance

How Much Will It Cost Me?

The cost of Indonesian maid insurance will vary depending on a few factors, such as the coverage type, insurance provider, and duration of the policy. On average, you can expect to pay around $250 to $350 for a 14-month policy.

Other Considerations

What Else Should I Know?

  • Exclusions

Reading the policy wording is important to understand what the policy covers. Some of the general exclusions that you can expect from Indonesian maid insurance. Any pre-existing medical conditions that your maid has policies may have some imposed restrictions for the maid during her off days and what she could and could not do. Many policies do not cover accidents or injuries related to dangerous sports or activities.

  • Renewal

You will typically review your maid insurance policy on an annual basis. Make sure you keep track of the expiry date of the policy to make sure you have continuous maid insurance.

  • Work Injury Compensation Insurance (WICI)

Work Injury Compensation Insurance (WICI) is not the same as maid insurance. In Singapore, the employer is responsible for taking up separate insurance to cover work-related injuries and illness obligations required by MOM.

Making a Claim

How Do I Make a Claim?

In the unfortunate event that you need to make a claim, follow these steps:

Step 1- Inform Your Insurance Provider

Contact your insurance company as soon as possible and inform them of the incident.

Step 2- Submit Required Documents

Your insurance provider will request relevant documents such as medical reports, police reports, and incident details.

Step 3- Follow the Process

Each insurance company will have its own particular claims process. Be sure to follow their instructions very closely in order to avoid any delays in settling your claim.


While maid insurance in Singapore is a mandatory requirement by MOM.  It serves more as a safety net on your side, rather than the maid. Insurance is a financial protection against anything bad and unexpected that may occur. It makes one feel at ease when picking up difficult decisions at work and at home as a maid and employer.

We all want to see good results and productivity with our current status as an employer. So take that further step and ensure that your maid is well-protected during her stay with you and your family.

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