2024 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.
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
Key Requirements
Essential insurance requirements by the Ministry of Manpower
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
Ready to get coverage?
Contact us to discuss insurance options and start the application process