Every FDW (foreign domestic worker) employer must buy medical and personal accident insurance for their helper.
It is a MOM requirement before her work permit can be issued.
And if you wondering if there's any "cheap and good" plans, read on!
+ $50 NTUC Voucher
In partnership with Housekeepers' Agency, get HL Assurance's Maid Protect360 PRO at HLA's prevailing website rate, whatever discount is running at the time.
Every employer who signs up through us receives a $50 NTUC voucher from Searchmaid and Housekeepers' Agency after the first month.
Voucher is valid only if your policy remains active after the first month.
Same price as buying direct. Plus $50 in your pocket.
WhatsApp 8785 8995 to PurchaseWhy HLA Maid Protect360 PRO?
Maid insurance usually kicks in when something big happens... a hospital stay, a surgery, an accident.
Maid Protect360 PRO covers those too. It also comes with everyday clinic benefits:
Think about it.
Hospitalisation is rare. Flu, cough and stomach aches happen all the time.
A GP consultation for your helper can easily cost $50 to $70.
At the panel clinics, that price is reduced.
Outpatient perks apply from the Enhanced plan onwards.
What MOM Requires From You
The Ministry of Manpower (MOM) requires all employers of migrant domestic workers to purchase two types of insurance:
Maid Protect360 PRO meets both requirements on every plan, from Basic to Exclusive.
The Co-Payment Catch Most Employers Miss
Under MOM's rules, medical bills above S$15,000 come with a 25% co-payment from you, the employer.
Real-world example: your helper needs surgery and the bill hits S$30,000.
Swipe left or right to see the full table on mobile.
| S$30,000 hospital bill | Basic plan | Protect360 PRO (Enhanced & up) |
|---|---|---|
| First S$15,000 | Fully covered | Fully covered |
| Next S$15,000 (25% co-pay) | S$3,750 from your pocket | Waived |
| You pay | S$3,750 | S$0 |
Worth knowing before you compare plans on price alone.
Security Bond? Settled Too
Every employer (except those hiring Malaysian helpers) must place a S$5,000 security bond with MOM.
You will not need to tie up S$5,000 in cash.
HLA issues a Letter of Guarantee to MOM on your behalf, included in every plan.
Want extra protection? An optional Waiver of Counter Indemnity caps your liability at just S$250 if MOM ever claims the bond.
Compare the Four Plans
Maid Protect360 PRO comes in four tiers. Going for the lowest premium is tempting, but Basic leaves out the co-payment waiver, the Healthway clinic benefits, hospital cash, wages and levy reimbursement, and third-party liability.
If you want those covered, Enhanced is the minimum tier that includes them. Compare the numbers below and pick what suits your household.
Swipe left or right to see the full table on mobile.
| Coverage | Basic | Enhanced | Premier Most Popular |
Exclusive Best Coverage |
|
|---|---|---|---|---|---|
| PRICES (incl 9% GST, 22% discount applied) | |||||
| Aged 50 & below | 14 months | S$390.40 S$304.51 |
S$428.80 S$334.46 |
S$449.40 S$350.53 |
S$532.80 S$415.58 |
| 26 months | S$507.00 S$395.46 |
S$556.90 S$434.38 |
S$583.60 S$455.21 |
S$692.00 S$539.76 |
|
| Aged 51 & above | 14 months | S$1,081.60 S$843.65 |
S$1,131.40 S$882.49 |
S$1,156.50 S$902.07 |
S$1,239.90 S$967.12 |
| 26 months | S$1,404.70 S$1,095.67 |
S$1,469.30 S$1,146.05 |
S$1,501.90 S$1,171.48 |
S$1,610.30 S$1,256.03 |
|
| COVERAGE (maximum benefit payable) | |||||
| Hospital & surgical (annual limit) | S$60,000 | S$60,000 | S$80,000 | S$80,000 | |
| Waiver of 25% co-payment | ✕ | ✓ | ✓ | ✓ | |
| Healthway outpatient + dental perks | ✕ | ✓ | ✓ | ✓ | |
| Hospital cash (per day, up to 30 days) | – | S$20 | S$30 | S$50 | |
| Wages & levy reimbursement (per day, up to 30 days) | – | S$40 | S$50 | S$60 | |
| Alternative maid services (per day, up to 30 days) | – | S$100 | S$150 | S$200 | |
| Accidental death / permanent disablement | S$60,000 | S$70,000 | S$80,000 | S$100,000 | |
| Outpatient treatment for accidents | S$1,000 | S$2,000 | S$3,000 | S$5,000 | |
| Replacement maid expenses | S$200 | S$300 | S$500 | S$600 | |
| Liability to third parties | – | S$3,000 | S$5,000 | S$7,000 | |
| Home contents (fire caused by helper) | S$5,000 | S$10,000 | S$15,000 | S$30,000 | |
| MOM security bond (Letter of Guarantee) | S$5,000 | S$5,000 | S$5,000 | S$5,000 | |
Benefits and premium rates from HL Assurance's official table of benefits, as at 29 July 2026, with HLA's 22% promotional discount applied. The promotion runs until 30 September 2026. Prices and benefits can change at any time, and the HL Assurance website is always the source of truth if anything differs from this page.
Got questions about what each plan covers? WhatsApp us and we will connect you with our licensed partner, Housekeepers' Agency, who can take you through the details.
Get Covered in 3 Steps
Same prevailing price & discount as HLA website + $50 NTUC voucher after 1st month purchase.
Voucher is valid only if your policy remains active after the first month.
WhatsApp 8785 8995 to Get StartedProtect your maid, protect yourself... because peace of mind is priceless.
Important notice
Searchmaid is not an insurer, insurance broker or licensed financial adviser. We introduce interested employers to our partner Housekeepers' Agency Pte Ltd, which arranges the policy. Maid Protect360 PRO is underwritten by HL Assurance Pte. Ltd. (Co. Reg. No. 201229558W).
The information on this page is general product information for advertising purposes only. It does not take into account your particular needs or circumstances, and it does not constitute financial advice or a recommendation to buy any policy. Please consider whether a plan is suitable for you, and speak to a licensed representative if you need advice.
Benefit figures are summarised from HL Assurance's published product information and are correct as at 29 July 2026. They are not exhaustive. Coverage, limits, exclusions and premiums are subject to the full policy terms and conditions, which prevail in the event of any inconsistency. Policies arranged through Searchmaid are priced at HL Assurance's prevailing website rate for the plan selected. Discounts, promotional rates and third-party clinic benefits are provided by HL Assurance and its panel providers, and may be varied or withdrawn at any time without notice. Where any price or benefit on this page differs from hlas.com.sg, the HL Assurance website prevails.
The $50 NTUC voucher is a goodwill gesture jointly from Searchmaid and Housekeepers' Agency. It is not part of the insurance policy or any benefit offered by HL Assurance. It is issued once per employer, only where the policy is arranged through Searchmaid and remains in force after the first month. Searchmaid and Housekeepers' Agency reserve the right to vary or withdraw this offer at any time.
