2025 Enhanced Medical Insurance Requirements
MOM has enhanced the minimum medical insurance requirements for all domestic workers. These changes are being implemented in two stages:
Stage 1: July 2023
Currently in effect
Stage 2: July 2025
Upcoming changes
Co-payment Calculator
Use this calculator to understand how the co-payment structure works for medical claims exceeding S$15,000.
Compare Maid Insurance Plans
Standard Plan
Essential coverage meeting MOM requirements
- Medical Insurance (S$60,000 coverage)
- Personal Accident Insurance (S$60,000)
- Security Bond (S$5,000)
- COVID-19 Coverage
- Basic Outpatient Care
Meets all mandatory MOM requirements for helper insurance
Deluxe Plan
Enhanced protection with additional benefits
- All Standard Plan Benefits
- Enhanced Medical Coverage (S$80,000)
- Dental Care Coverage
- Repatriation Expenses
- Replacement Helper Expenses
Recommended for comprehensive protection and peace of mind
Premier Plan
Maximum coverage with premium benefits
- All Deluxe Plan Benefits
- Premium Medical Coverage (S$100,000)
- Critical Illness Coverage
- Emergency Medical Evacuation
- Wage & Levy Reimbursement
Best value for complete protection and maximum benefits
Add-On Options
Optional coverage enhancements
- Waiver of Counter Indemnity
- Letter of Guarantee
- Outpatient Clinical Visits
- Dental Treatment
- Home Contents Coverage
Can be added to any plan based on your specific needs
MOM Insurance Requirements
Essential insurance requirements mandated by the Ministry of Manpower for all foreign domestic workers in Singapore
Medical Insurance
Minimum S$60,000 coverage for inpatient care and day surgery
Personal Accident
S$60,000 coverage for work-related injuries and accidents
Which Maid Insurance Plan Should You Choose?
Choosing the right maid insurance plan depends on your budget, your helper's age, and how much financial protection you want beyond MOM's minimum requirements. Here is a quick comparison to help you decide:
The Standard Plan (from S$566.80) is ideal for cost-conscious employers who want to meet all MOM requirements without extras. It includes S$60,000 medical coverage, S$60,000 personal accident, the mandatory S$5,000 security bond, and basic outpatient care. If your helper is young, healthy, and you are comfortable covering additional expenses out-of-pocket, this plan offers solid baseline protection.
The Deluxe Plan (from S$648.50) adds enhanced medical coverage up to S$80,000, dental care, repatriation expenses, and replacement helper costs. This is the most popular choice among employers who want peace of mind without paying top-tier premiums — particularly if your helper is over 35 or has been working for several years.
The Premier Plan (from S$730.30) provides maximum protection with S$100,000 medical coverage, critical illness coverage, emergency evacuation, and wage & levy reimbursement if your helper is hospitalized. This plan is best for employers with older helpers (above 45) or those who want the most comprehensive coverage available.
Not sure which plan is right for you? Contact our team for a personalized recommendation based on your helper's profile and your budget, or view the full coverage details for a side-by-side plan comparison.
Ready to get coverage?
Contact us to discuss insurance options and start the application process