Insurance - 25% Discount off

Maid Insurance for Your Domestic Helper

Hiring a foreign domestic worker (FDW) in Singapore comes with responsibilities, one of the most important being insurance coverage.

As an employer, knowing your maid is well insured not only fulfills legal obligations but also provides you with peace of mind.

A robust insurance plan safeguards both you and your helper against unexpected medical and personal accident scenarios, ensuring she’s cared for and your finances are protected.

Here's how you can secure a 25% discount through Searchmaid today.

Medical and Personal Accident Insurance Requirements

The Ministry of Manpower (MOM) in Singapore requires all employers of migrant domestic workers (MDWs) to purchase two key types of insurance: medical insurance and personal accident insurance.

These are non-negotiable and designed to protect your helper during her stay in Singapore.

1. Medical Insurance Coverage

• • • MOM mandates a minimum annual claim limit of S$60,000 per year.
    • This covers inpatient care (e.g., hospital stays) and day surgery, ensuring your helper receives proper treatment without you bearing the full financial burden.
    • Starting July 2023, this requirement reflects rising healthcare costs, making insurance a critical safety net.

2. Personal Accident Insurance

• • • A minimum sum assured of S$60,000 per year is required.
    • This covers sudden, unforeseen, and unexpected incidents that result in permanent disability or death—think accidents like falls or road mishaps.
    • In such cases, the payout supports your helper or her family, easing the emotional and financial strain.

Failing to secure these policies isn’t just a legal risk... it could leave you exposed to significant costs and liabilities.

But beyond compliance, a good insurance plan shows care for your helper’s well-being, fostering a positive working relationship.

Beyond the Cheapest Plan: Watch Out for Co-Payments

When shopping for maid insurance, it’s tempting to go for the cheapest option.

However, employers should look beyond the price tag and consider the fine print... especially the co-payment structure.

MOM requires that for medical claims exceeding S$15,000, employers co-pay 25% of the amount, with insurers covering the remaining 75% up to the S$60,000 limit.

• • Real-World Impact: Imagine an unexpected surgery costing S$50,000. After the first S$15,000 (fully covered by insurance), the remaining S$35,000 triggers the 25% co-payment. That’s S$8,750 out of your pocket—a hefty sum many employers don’t anticipate. Forums are full of stories from employers hit with such bills, wishing they’d opted for a plan with lower co-pays or broader coverage.

Choosing a plan with enhanced options, like reducing the co-payment to 0% might cost a bit more upfront...

but could save you thousands in a crisis.

It’s about balancing affordability with protection.

Security Bond Coverage: How Does It Work?

Another key feature to check is whether your insurance includes the security bond—a mandatory S$5,000 guarantee to MOM (except for Malaysian FDWs).

This bond ensures compliance with work permit conditions, such as repatriating your helper if her permit ends or is revoked.

• • How It Works: Instead of tying up S$5,000 in cash, most insurers offer a Letter of Guarantee as part of the insurance package. They pledge the S$5,000 on your behalf to MOM.
  • What Happens if MOM Claims It: If you breach a condition (e.g., failing to send your maid home), MOM can claim the bond. The insurer pays MOM, then seeks reimbursement from you.
  • Why It Matters: A plan covering the security bond saves you from upfront cash deposits and simplifies the process—just ensure this feature is included when comparing options.

Invest in Protection, Invest in Peace of Mind

Your domestic helper plays a vital role in your household, and ensuring she’s well insured is a win-win.

With MOM’s requirements as a baseline... S$60,000 for medical and personal accident coverage...

and Searchmaid’s exclusive 25% discount via Housekeepers’ Agency, there’s no better time to secure a plan.

Don’t settle for the cheapest option without weighing co-payments and extras like security bond coverage.

Email insurance@housekeeper.com.sg your interest with SEARCHMAID25 today and we'll send you the details and coverage.

Whatsapp us if you have any questions.

Take the first step toward worry-free employment.

Protect your maid, protect yourself... because peace of mind is priceless.