Insurance requirements for foreign domestic worker
You need to buy medical and personal accident insurance for your helper. Find out the coverage required and how to submit the insurance details.
Before your helper arrives in Singapore, you must buy medical insurance and personal accident insurance as part of your medical obligations to her.
You cannot pass on the cost of purchasing the medical insurance to your helper.
You need to buy medical insurance with coverage of at least $15,000 per year for inpatient care and day surgery during your helper’s stay in Singapore.
You also need to submit the medical insurance details online when you are issuing or renewing your helper’s work permit. You can get your employment agency to submit the details for you.
Personal Accident Insurance
You need to buy personal accident insurance with a minimum coverage of $40,000 for your helper.
The compensation should be made payable to her or her beneficiaries.
Domestic Worker Medical Obligation – Click Here to View
Most of the insurer offer Maid Insurance Package which includes:
- Letter of Guarantee ($5,000 Bond to MOM)
- $15,000 Medical Insurance
- $40,000 Personal Insurance
There is also an option to purchase with “Reimbursement of Indemnity Paid to Insurer”. Should MOM forfeit the Guarantee, insured can be freed from this obligation by purchasing this option which usually have an excess of $250.