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Maid Insurance

Domestic helpers make your life easier as you entrust them the care of your household every day. As a responsible and caring employer, the best way to show your appreciation and ensure your domestic helper is covered from unexpected incidents is by providing them with a comprehensive helper insurance.
Sompo Insurance
Liberty Insurance

Sompo Insurance​

MaidEase

MaidEase covers these benefits:

  • Worldwide Personal Accident whereby up to S$70,000 is paid for accidental death or permanent disablement
  • Hospital and Surgical Expenses (including treatment) from Public and Private Hospitals in Singapore as well as Hospitals outside Singapore
  • Waiver of Counter Indemnity which limits your liability to S$250 (instead of S$5,000), so long as you are not the cause of the breach of the S$5,000 Security Bond
  • Domestic Helper Liability which covers your domestic helper’s unforeseen negligence resulting in accidental bodily injury or accidental property damage. This policy covers your legal liability to compensate the third party
  • Repatriation Expenses are covered for reasonable expenses incurred should you need to send your domestic helper to her home country upon accidental bodily injury, sickness or disease of whatsoever nature
  •  

Section / Schedule of Benefits

Aggregate Limit Per Policy Period

Deluxe

Superior

1. Worldwide Personal Accident

Death OR

$60,000

$70,000

Additional Indemnity for death from accident in Dwelling

$62,500

$75,000

Permanent Disablement

As per scale stated in the Policy

As per scale stated in the Policy

Medical Expenses including
Dental treatment resulting from injury due to an accident

$1,000

$2,500

Treatment by Chinese Physicians

$100 per accident

$100 per accident

Treatment for Dengue Fever

$100

$250

Ambulance Services

$100

$100

2. Repatriation Expenses

$10,000

$10,000

3. Hospital and Surgical Expenses

including Day Surgery, 90 days Pre and Post-Hospitalisation treatment at
Subject to Annual Limit

$30,000 subject to $15,000 per annum (Worldwide)

$40,000 subject to $20,000 per annum (Worldwide)

Singapore Public Hospital

100%

100%

Private Hospital in Singapore

40%

40%

Hospital outside Singapore

40%

40%

4. Wages Compensation & Levy Reimbursement (up to 60 days)

$15 per day

$30 per day

5. Alternative Help Benefit (up to 30 days)

N.A.

$15 per day

6. Recuperation Benefit for each day of hospitalisation (up to 60 days)

N.A.

$20 per day

7. Domestic Helper Liability

$2,500

$5,000

8. Dread Diseases

N.A.

$2,000

9. Termination Expenses and Re-Hiring Expenses (up to 90 days)

$250

$500

10. Domestic Helper’s Belongings

$250

$500

11. Special Grant

$1,000

$3,000

12. Fidelity Guarantee

N.A.

$1,000

Letter of Guarantee / Waiver of Counter Indemnity

13. Letter of Guarantee to the Ministry of Manpower

$5,000

$5,000

14. Waiver of Counter Indemnity for Letter of Guarantee

$5,000 subject to excess of $250

$5,000 subject to excess of $250

Insurance Premium for 26 Months (inclusive of GST)

Deluxe

Superior

Below 40 Years Old

40 Years Old & Above

Below 40 Years Old

40 Years Old & Above

Insurance Benefits Only

$262.15

$345.61

$390.55

$521.09

Insurance + Letter of Guarantee

$310.30

$393.76

$438.70

$569.24

Insurance + Letter of Guarantee + Waiver of Counter Indemnity

$363.80

$447.26

$492.20

$622.74

Cover is intended for employers in Singapore who are:

  • Singaporean, or
  • Singapore Permanent Residents or
  • Foreigners on Employment Pass or holding passes with at least 12 months validity remaining from the proposed inception date of the application

Important Notice

Policy Owners’ Protection Scheme
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Us or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

MaidEase covers these benefits:

  • Worldwide Personal Accident whereby up to S$70,000 is paid for accidental death or permanent disablement
  • Hospital and Surgical Expenses (including treatment) from Public and Private Hospitals in Singapore as well as Hospitals outside Singapore
  • Waiver of Counter Indemnity which limits your liability to S$250 (instead of S$5,000), so long as you are not the cause of the breach of the S$5,000 Security Bond
  • Domestic Helper Liability which covers your domestic helper’s unforeseen negligence resulting in accidental bodily injury or accidental property damage. This policy covers your legal liability to compensate the third party
  • Repatriation Expenses are covered for reasonable expenses incurred should you need to send your domestic helper to her home country upon accidental bodily injury, sickness or disease of whatsoever nature
  •  

Section / Schedule of Benefits

Aggregate Limit Per Policy Period

Deluxe

Superior

1. Worldwide Personal Accident

Death OR

$60,000

$70,000

Additional Indemnity for death from accident in Dwelling

$62,500

$75,000

Permanent Disablement

As per scale stated in the Policy

As per scale stated in the Policy

Medical Expenses including
Dental treatment resulting from injury due to an accident

$1,000

$2,500

Treatment by Chinese Physicians

$100 per accident

$100 per accident

Treatment for Dengue Fever

$100

$250

Ambulance Services

$100

$100

2. Repatriation Expenses

$10,000

$10,000

3. Hospital and Surgical Expenses

including Day Surgery, 90 days Pre and Post-Hospitalisation treatment at
Subject to Annual Limit

$30,000 subject to $15,000 per annum (Worldwide)

$40,000 subject to $20,000 per annum (Worldwide)

Singapore Public Hospital

100%

100%

Private Hospital in Singapore

40%

40%

Hospital outside Singapore

40%

40%

4. Wages Compensation & Levy Reimbursement (up to 60 days)

$15 per day

$30 per day

5. Alternative Help Benefit (up to 30 days)

N.A.

$15 per day

6. Recuperation Benefit for each day of hospitalisation (up to 60 days)

N.A.

$20 per day

7. Domestic Helper Liability

$2,500

$5,000

8. Dread Diseases

N.A.

$2,000

9. Termination Expenses and Re-Hiring Expenses (up to 90 days)

$250

$500

10. Domestic Helper’s Belongings

$250

$500

11. Special Grant

$1,000

$3,000

12. Fidelity Guarantee

N.A.

$1,000

Letter of Guarantee / Waiver of Counter Indemnity

13. Letter of Guarantee to the Ministry of Manpower

$5,000

$5,000

14. Waiver of Counter Indemnity for Letter of Guarantee

$5,000 subject to excess of $250

$5,000 subject to excess of $250

Insurance Premium for 26 Months (inclusive of GST)

Deluxe

Superior

Below 40 Years Old

40 Years Old & Above

Below 40 Years Old

40 Years Old & Above

Insurance Benefits Only

$262.15

$345.61

$390.55

$521.09

Insurance + Letter of Guarantee

$310.30

$393.76

$438.70

$569.24

Insurance + Letter of Guarantee + Waiver of Counter Indemnity

$363.80

$447.26

$492.20

$622.74

Cover is intended for employers in Singapore who are:

  • Singaporean, or
  • Singapore Permanent Residents or
  • Foreigners on Employment Pass or holding passes with at least 12 months validity remaining from the proposed inception date of the application

Important Notice

Policy Owners’ Protection Scheme
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Us or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)

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Liberty Insurance​

MaidCare

1 Meet Ministry of Manpower’s (MOM) requirement – For Security Bond, Personal Accident and Hospitalisation & Surgical expenses
2 Same day transmission to MOM
3 Immediate acknowledgment
4 Quick turnaround time

Plan 1

Plan 2

Plan 3

Section 1

Letter of Guarantee to Ministry of Manpower

S$5,000

S$5,000

S$5,000

Section 2

Personal Accident

A. Death

S$60,000

S$60,000

S$60,000

B. Permanent Disablement

As per scale in
Policy

As per scale in
Policy

As per scale in
Policy

C. Medical Expenses

S$1,000

S$2,000

S$3,000

Section 3

Hospital & Surgical Expenses

S$15,000
per annum

S$15,000
per annum

S$30,000
per annum

Section 4

Daily Benefit

Not covered

S$20 per day
(maximum
60 days)

S$30 per day
(maximum
60 days)

Section 5

Repatriation Expenses

S$10,000

S$10,000

S$10,000

Section 6

Wages & Levy Reimbursement

Not covered

Up to S$30
per day
(maximum
60 days)

Up to S$30
per day
(maximum
60 days)

Section 7

Re-hiring Expenses

Not covered

S$350

S$500

Section 8

Outpatient Kidney Dialysis/Cancer Treatment

Not covered

S$2,500

S$5,000

Section 9

Special Grant 

Not covered

S$1,000

S$3,000

Section 10

Reimbursement of Indemnity
Paid to Insurer

Optional

Optional

Optional

Extension A

Maid’s (Insured person)
Personal Belongings

S$200

S$250

S$300

Extension B

Employer’s and Maid’s Liability

S$10,000
(Any One Accident/
in the aggregate)

S$20,000
(Any One Accident/
in the aggregate)

S$30,000
(Any One Accident/
in the aggregate)

In the event that Liberty Insurance is required to make payment under the Security Bond required by Ministry of Manpower, the Proposer will need to reimburse Liberty Insurance the “Excess” amount only, provided that the payment is not caused by or resulting from the Proposer’s breach of the conditions under the Security Bond.

The “Excess” amount will vary as follows:

  • S$250: If this extension of coverage is purchased when the insurance package is first arranged subject to a waiting period of 30 days from the policy inception date
  • S$500: If this extension is purchased mid-term but within one month of the policy inception date subject to a waiting period of 30 days from the date of inclusion

Premium payable

Plan 1

Plan 2

Plan 3

For 26 months

S$267.50

S$294.25

S$406.60

For 14 months

S$200.63

S$220.69

S$304.95

Additional premium payable (optional)

Flat Rate : S$53.50

The Insured Person must be in the immediate employment of the Insured and hold a valid work permit.
  • Pre-existing conditions
  • Illness, disease, mental defect, infirmity or insanity
  • AIDS and diseases associated with HIV
  • Pregnancy, childbirth, abortion, miscarriage, and or its complications
  • Suicide or self-inflicted injury
  • Drug or alcohol abuse
  • War and nuclear-related events
  • Participation in under-water activities involving artificial breathing apparatus, hunting, potholing, parachuting, sky diving, mountaineering and rock climbing necessitating the use of guides or ropes
  • Flying or other aerial activity except as a fare-paying passenger
  • Any kind of speed contest or racing (other than foot) and motor rallies
1 Meet Ministry of Manpower’s (MOM) requirement – For Security Bond, Personal Accident and Hospitalisation & Surgical expenses
2 Same day transmission to MOM
3 Immediate acknowledgment
4 Quick turnaround time

Plan 1

Plan 2

Plan 3

Section 1

Letter of Guarantee to Ministry of Manpower

S$5,000

S$5,000

S$5,000

Section 2

Personal Accident

A. Death

S$60,000

S$60,000

S$60,000

B. Permanent Disablement

As per scale in
Policy

As per scale in
Policy

As per scale in
Policy

C. Medical Expenses

S$1,000

S$2,000

S$3,000

Section 3

Hospital & Surgical Expenses

S$15,000
per annum

S$15,000
per annum

S$30,000
per annum

Section 4

Daily Benefit

Not covered

S$20 per day
(maximum
60 days)

S$30 per day
(maximum
60 days)

Section 5

Repatriation Expenses

S$10,000

S$10,000

S$10,000

Section 6

Wages & Levy Reimbursement

Not covered

Up to S$30
per day
(maximum
60 days)

Up to S$30
per day
(maximum
60 days)

Section 7

Re-hiring Expenses

Not covered

S$350

S$500

Section 8

Outpatient Kidney Dialysis/Cancer Treatment

Not covered

S$2,500

S$5,000

Section 9

Special Grant 

Not covered

S$1,000

S$3,000

Section 10

Reimbursement of Indemnity
Paid to Insurer

Optional

Optional

Optional

Extension A

Maid’s (Insured person)
Personal Belongings

S$200

S$250

S$300

Extension B

Employer’s and Maid’s Liability

S$10,000
(Any One Accident/
in the aggregate)

S$20,000
(Any One Accident/
in the aggregate)

S$30,000
(Any One Accident/
in the aggregate)

In the event that Liberty Insurance is required to make payment under the Security Bond required by Ministry of Manpower, the Proposer will need to reimburse Liberty Insurance the “Excess” amount only, provided that the payment is not caused by or resulting from the Proposer’s breach of the conditions under the Security Bond.

The “Excess” amount will vary as follows:

  • S$250: If this extension of coverage is purchased when the insurance package is first arranged subject to a waiting period of 30 days from the policy inception date
  • S$500: If this extension is purchased mid-term but within one month of the policy inception date subject to a waiting period of 30 days from the date of inclusion

Premium payable

Plan 1

Plan 2

Plan 3

For 26 months

S$267.50

S$294.25

S$406.60

For 14 months

S$200.63

S$220.69

S$304.95

Additional premium payable (optional)

Flat Rate : S$53.50

The Insured Person must be in the immediate employment of the Insured and hold a valid work permit.
  • Pre-existing conditions
  • Illness, disease, mental defect, infirmity or insanity
  • AIDS and diseases associated with HIV
  • Pregnancy, childbirth, abortion, miscarriage, and or its complications
  • Suicide or self-inflicted injury
  • Drug or alcohol abuse
  • War and nuclear-related events
  • Participation in under-water activities involving artificial breathing apparatus, hunting, potholing, parachuting, sky diving, mountaineering and rock climbing necessitating the use of guides or ropes
  • Flying or other aerial activity except as a fare-paying passenger
  • Any kind of speed contest or racing (other than foot) and motor rallies
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