Coverage Overview
Understanding the key components of your helper's insurance protection
Medical Insurance
Annual coverage for inpatient care and day surgery
- Hospitalization expenses
- Surgical procedures
- Pre and post hospitalization
- Day surgery
- Emergency treatment
Enhanced coverage as per July 2023 MOM requirements
Personal Accident
Protection against accidents and injuries
- Accidental death
- Permanent disability
- Medical expenses due to accident
- Temporary disability
- Emergency evacuation
Mandatory coverage for work-related accidents and injuries
Additional Benefits
Extra protection and support services
- Wage compensation
- Repatriation expenses
- Repatriation expenses
- Termination & rehiring
- Special grant
- Helper's liability
Optional benefits to enhance your helper's protection
Security Bond
Required guarantee to MOM
- MOM security deposit
- Counter indemnity
- Bond insurance
- Letter of guarantee
- Bond protector
Mandatory security bond as required by MOM regulations
Available Insurance Plans
Choose the right level of coverage for your needs
Basic Plan
From S$566.80
- S$60,000 medical coverage
- S$60,000 personal accident
- S$5,000 security bond
- S$1,500 outpatient coverage
- Basic COVID-19 coverage
Standard Plan
From S$648.50
- S$70,000 medical coverage
- S$70,000 personal accident
- S$2,000 outpatient coverage
- S$20/day wage compensation
- Enhanced COVID-19 coverage
Premium Plan
From S$730.30
- S$80,000 medical coverage
- S$80,000 personal accident
- S$3,000 outpatient coverage
- S$30/day wage compensation
- Premium COVID-19 coverage
MOM-Compliant Insurance Coverage
All insurance policies offered by Upwill meet or exceed the Ministry of Manpower's minimum requirements
Since July 2023, the Ministry of Manpower (MOM) has enhanced the medical insurance requirements for all migrant domestic workers in Singapore. Employers are now required to provide medical insurance with a minimum coverage of $60,000 per year (increased from the previous $15,000) for inpatient care and day surgery.
In addition to medical insurance, employers must also provide personal accident insurance with a minimum sum assured of $60,000. Both policies must extend 2 months beyond the work permit period, ensuring your helper remains covered even after the work permit expires.
Upwill's maid insurance plans are designed to provide comprehensive coverage that not only meets these requirements but also offers additional benefits to protect both you and your helper from unexpected expenses. Learn more about our claims process or check our insurance FAQ for more details.
Comprehensive Coverage Options
Explore our range of coverage options to find the perfect protection for your domestic helper
Insurance Coverage at a Glance
Our maid insurance plans offer varying levels of coverage to suit your needs and budget. All plans meet MOM's requirements while providing additional benefits for comprehensive protection.
| Coverage Benefits | Basic Plan | Standard Plan | Premium Plan |
|---|---|---|---|
| Accidental Death or Permanent Disability | $60,000 | $70,000 | $80,000 |
| Medical Insurance Coverage (per year) | $60,000 | $70,000 | $80,000 |
| Outpatient Medical Expenses (due to injury) | $1,500 | $2,000 | $3,000 |
| Domestic Helper's Personal Liability | $5,000 | $10,000 | $25,000 |
| Employer's Liability | - | - | - |
| Domestic Helper's Personal Accident | - | - | - |
| Domestic Helper's Belongings | - | - | - |
| Employer's Letter of Guarantee | - | - | - |
| Domestic Helper's Hospitalization | - | - | - |
| Domestic Helper's Outpatient | - | - | - |
| Domestic Helper's Dental | - | - | - |
| Domestic Helper's Repatriation | $10,000 | $10,000 | $10,000 |
| Domestic Helper's Wages Compensation | - | $20/day (up to 30 days) | $30/day (up to 30 days) |
| Security Bond to MOM | $5,000 | $5,000 | $5,000 |
| Special Grant (Death Benefit) | - | $2,000 | $3,000 |
| Termination & Re-hiring Expenses | - | $300 | $500 |
| COVID-19 Coverage | Included | Included | Included |
Enhanced Medical Insurance Coverage
Understanding the July 2023 enhancements to medical insurance requirements for domestic helpers
Stage 1 Requirements (July 2023)
Higher annual claim limit
Increased from $15,000 to at least $60,000 per year
Co-payment structure
75% by insurers and 25% by employers for claim amounts above $15,000
First dollar coverage
Full coverage for the first $15,000 with no co-payment
Stage 2 Requirements (July 2025)
Standardized exclusion clauses
Consistent exclusions across all insurance providers
Age-differentiated premiums
Different rates for helpers aged 50 and below, and those above 50
Direct insurer reimbursement
Insurers required to reimburse hospitals directly upon claim admissibility
Security Bond Explained
Understanding the $5,000 security bond requirement and how to protect yourself
What is the Security Bond?
The Security Bond is a mandatory $5,000 guarantee required by the Ministry of Manpower (MOM) from all employers of foreign domestic workers. It serves as a form of financial guarantee to ensure that both employers and helpers comply with MOM regulations throughout the employment period.
All our plans include a Letter of Guarantee to MOM that removes the need for you to pay the $5,000 upfront, as we act as your guarantor.
Security Bond Protector
For additional peace of mind, our Security Bond Protector add-on limits your liability on the $5,000 Security Bond to just $250 if the bond is forfeited due to reasons not caused by your negligence or fault.
This optional add-on provides an extra layer of protection against potential bond forfeitures due to circumstances beyond your control, such as your helper running away or breaking the law without your knowledge.
Optional Coverage Enhancements
Customize your domestic helper insurance with additional coverage options
Waiver of Co-payment
Remove the 25% co-payment requirement for hospital and surgical expenses above $15,000. This add-on means we will cover 100% of eligible medical expenses up to the policy limit, reducing your out-of-pocket expenses during claims.
Enhanced Medical Coverage
Increase your helper's medical insurance coverage beyond the standard limits for greater peace of mind. Options include higher hospitalization limits, extended outpatient coverage, and additional critical illness benefits.
Dread Disease Coverage
Provides additional financial support if your helper is diagnosed with a critical illness. This add-on is available with our Standard and Premium plans, offering coverage of up to $3,000 for specified serious conditions.
Fidelity Guarantee
Provides coverage against financial loss due to your helper's dishonesty, fraud, or theft. This add-on is available with our Standard and Premium plans, offering protection of up to $5,000 for eligible claims.
Choose the Right Plan
Compare our insurance plans to find the perfect coverage for your domestic helper
Frequently Asked Questions about Coverage
Find answers to common questions about maid insurance coverage in Singapore