Domestic Maid Insurance

Our domestic maid insurance offers comprehensive coverage against unforeseen circumstances so that you and your family can be assured that she is well-protected.

Home Personal Protection Domestic Maid Insurance

When hiring a domestic helper, it’s essential to ensure her well-being and financial protection with a reliable insurance plan. Our domestic helper insurance in Singapore provides coverage for both medical and accident-related incidents, giving employers peace of mind. Domestic helper insurance not only complies with local regulations but also demonstrates your care and responsibility as an employer.

Key Benefits

Expenses Incurred due to Communicable Disease

Enjoy coverage extension that includes in-patient expenses in Singapore Government/Restructured Hospitals for communicable disease.

24/7 Global Protection

Get all-year-round global protection against death and permanent disability that are caused by accidents.

Repatriation Expenses

Get reimbursed for any related incurred expenses in the event that your domestic helper has to return home due to being medically unfit.

Hospitalisation and Surgery Expenses

Get covered for hospitalisation charges in the event your domestic helper gets injured or sick caused by accidental bodily injury or illness.

Reimbursement of Salary and Levy

In the event your domestic helper is medically unfit to work, the plan will reimburse any pro-rata salary and domestic helper levy.

Security Bond

Ensures that you are exempted from paying the security deposit of S$5,000 to Ministry of Manpower.

View Coverage

Section	Coverage	Sum Insured (S$)
Section	Coverage	Plan D1	Plan D2	Plan D3
1	Personal Accident Benefits: A) Accident Death B) Permanent Disablement C) Medical Expenses	60,000 60,000 1,000	60,000 60,000 3,500	60,000 60,000 5,000
2	Repatriation Expenses	10,000	10,000	10,000
3	Hospital and Surgical Expenses Annual Limit i. First Dollar Coverage ii. Co-payment (Insured 25% : Insurer 75%)	60,000 Up to 15,000 Next 45,000	60,000 Up to 30,000 Next 30,000	60,000 Up to 60,000 -
4	Termination Expenses	NIL	250	500
5	Wages and Levy Reimbursement	NIL	20 per day Max 60 days	30 per day Max 60 days
6	Recuperation Benefits	NIL	20 per day Max 60 days	30 per day Max 60 days
7	Security Bond	5,000	5,000	5,000
Premium (S$)
Age 50 and Below (26 months)		599.50	654.00	708.50
Age 50 and Below (14 months)		359.70	392.40	425.10

Above 50 years old (26 months)		981.00	1,090.00	1,199.00
Above 50 years old (14 months)		610.40	664.90	719.40
OPTIONAL COVER
8	Bond Protector (Excess S$200) Reimburses the insured for the loss of the Security Bond if forfeiture due to maid's fault, subject to an excess of S$200.	Additional premium of S$54.50
All premiums include GST.

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View Coverage

Section	Coverage	Sum Insured (S$)
Section	Coverage	Plan D1	Plan D2	Plan D3
1	Personal Accident Benefits: A) Accident Death B) Permanent Disablement C) Medical Expenses	60,000 60,000 1,000	60,000 60,000 3,500	60,000 60,000 5,000
2	Repatriation Expenses	10,000	10,000	10,000
3	Hospital and Surgical Expenses Annual Limit i. First Dollar Coverage ii. Co-payment (Insured 25% : Insurer 75%)	60,000 Up to 15,000 Next 45,000	60,000 Up to 30,000 Next 30,000	60,000 Up to 60,000 -
4	Termination Expenses	NIL	250	500
5	Wages and Levy Reimbursement	NIL	20 per day Max 60 days	30 per day Max 60 days
6	Recuperation Benefits	NIL	20 per day Max 60 days	30 per day Max 60 days
7	Security Bond	5,000	5,000	5,000
Premium (S$)
Age 50 and Below (26 months)		599.50	654.00	708.50
Age 50 and Below (14 months)		359.70	392.40	425.10

Above 50 years old (26 months)		981.00	1,090.00	1,199.00
Above 50 years old (14 months)		610.40	664.90	719.40
OPTIONAL COVER
8	Bond Protector (Excess S$200) Reimburses the insured for the loss of the Security Bond if forfeiture due to maid's fault, subject to an excess of S$200.	Additional premium of S$54.50
All premiums include GST.

Protected up to specified limits by SDIC.

No More ‘What Ifs’: Reliable Insurance For Domestic Helpers

4 Key Areas Your Domestic Helper Insurance Should Cover

Useful Tips

What are the minimum insurance requirements?

To protect both the employer and the employee, the Ministry of Manpower (MOM) mandates that all employers of foreign domestic workers (FDWs) maintain a specific level of coverage. At China Taiping Singapore, our domestic helper insurance in Singapore is designed to meet and exceed these regulatory requirements. This includes a minimum of $60,000 per year for personal accident coverage and at least $60,000 annual claim limit for inpatient hospitalisation and day surgery. Additionally, a security bond of $5,000 must be furnished to MOM; China Taiping Singapore can provide a Letter of Guarantee to MOM on your behalf, so you do not have to put up the full $5,000 in cash upfront.

What is the co-payment rule for medical bills?

Under the latest MOM guidelines implemented to manage rising healthcare costs, there is a mandatory co-payment structure for larger medical expenses. For any hospitalisation or surgical bills that exceed $15,000, insurers will cover 75% of the claimable amount, while the employer is responsible for the remaining 25%.

This rule ensures that while the bulk of catastrophic medical costs are insured, there is a shared responsibility in managing the choice of medical treatments and wards. Our plans are structured to clearly outline these limits so you can plan your household finances with certainty.

Does my helper need insurance before she arrives?

Yes, she absolutely does. MOM requires that the insurance policy be active before your helper even sets foot in Singapore. When you apply for a new Work Permit or an In-Principle Approval (IPA), you must provide the details of the insurance policy and the security bond. China Taiping Singapore streamlines this process by transmitting your policy details electronically to MOM, ensuring that your helper is covered from the moment she arrives at the airport, providing you with immediate protection against any travel-related accidents or sudden illnesses during her transit.

Why is the policy for 14 or 26 months instead of 12 or 24?

You might notice that policy durations are slightly longer than a typical calendar year. This is because MOM requires a mandatory 2-month buffer period. Whether you are hiring a helper for a one-year or two-year contract, the insurance must remain valid for an additional two months beyond the Work Permit expiry. This ensures that your helper remains fully covered during any potential delays in repatriation or while she is waiting for her flight home after her contract ends.

Are pre-existing conditions covered?

In the insurance industry, pre-existing conditions (medical issues your helper had before the policy started) are generally excluded from coverage. This means if your helper was already being treated for a chronic illness before she joined your household, those specific treatments would not be claimable. However, if she has been working in Singapore for the same employer for more than 12 months under a continuous policy with China Taiping Singapore, certain chronic conditions that developed after her initial employment may become eligible for coverage. We recommend a thorough medical check-up upon her arrival to establish a clear health baseline.

Are outpatient clinic visits (for flu/fever) covered?

Standard domestic maid insurance plans are primarily designed for events such as accidents or surgeries and do not typically cover routine visits to a General Practitioner (GP) for common ailments like a cold, cough, or flu. These minor outpatient costs are usually out of pocket expenses borne by the employer.

Will I get a refund if I cancel the policy early?

It is important to note that under the specific terms of China Taiping Singapore’s domestic maid insurance, no refunds are permitted once the policy has been issued and the premium paid, regardless of when the cancellation occurs.

In cases where your helper’s employment contract in Singapore is terminated, the policy is officially considered cancelled as of the date stated on the Letter of Discharge issued by MOM. While this serves to formally end the insurance coverage and the security bond liability, the policy remains non-refundable.

Does the insurance cover the 6-Monthly Medical Examination (6ME)?

The mandatory 6-Monthly Medical Examination (6ME) required by MOM, which screens for pregnancy and infectious diseases, is a routine administrative cost and is not covered by standard insurance policies. The employer is responsible for the cost of these screenings at a clinic.

Is my helper covered when she goes on home leave?

Standard domestic insurance policies are specifically territorial, meaning they only provide coverage while the helper is in Singapore. If your helper goes back to her home country for a holiday or home leave, the China Taiping Singapore policy is temporarily suspended for that duration. We strongly advise employers to purchase a separate, short-term Travel Insurance policy for their helper during her trip. This ensures she has coverage for medical emergencies or travel mishaps while she is outside of Singapore’s jurisdiction.

What is Wage & Levy Reimbursement?

If your helper is hospitalised and unable to perform her household duties, you still remain responsible for her basic salary and the monthly government levy. To ease this burden, China Taiping Singapore includes a Wage & Levy Reimbursement benefit. This provides a fixed daily allowance of up to $30 per day) for every day she is in the hospital, up to a maximum period of 60 days. This daily cash benefit helps you offset the ongoing costs of her employment while she is recovering.