AIG Maid Insurance Singapore 2026: Plans, Cover & What to Know
TL;DR: Yes, AIG sells domestic helper (maid) insurance in Singapore, across four tiers , Classic, Superior, Elite and Premier , all MOM-compliant. AIG advertises pricing from S$0.81 a day. The higher tiers raise personal accident to S$100,000 and offer a no-co-insurance option. Final premiums are quote-based.
This is a factual overview checked against AIG's own domestic helper insurance page (July 2026). Figures and features come from that page; confirm the live policy wording and your own quote before buying.
AIG's domestic helper insurance tiers
AIG offers four coverage levels. The main differences are the personal-accident sum, the medical limit, and whether a co-insurance applies.
| Benefit | Classic | Superior | Elite | Premier |
|---|---|---|---|---|
| MOM security bond | S$5,000 | S$5,000 | S$5,000 | S$5,000 |
| Worldwide personal accident | S$60,000 | S$60,000 | S$100,000 | S$100,000 |
| Hospitalisation & surgery | S$60,000 (20% co-ins) | S$60,000 (no co-ins) | S$100,000 (20% co-ins) | S$100,000 (no co-ins) |
| Repatriation | S$10,000 | S$10,000 | S$10,000 | S$10,000 |
| Helper liability | S$100,000 | S$100,000 | S$100,000 | S$100,000 |
| Helper's belongings | S$2,250 | S$2,250 | S$4,500 | S$4,500 |
AIG also offers optional riders including dread disease cover (S$2,000) and a security bond waiver (S$5,000).
What makes AIG different
- No-co-insurance option. The Superior and Premier tiers cover hospitalisation and surgical with no 20% co-insurance, so you are not exposed to the employer share above S$15,000.
- Higher personal accident. Elite and Premier lift worldwide personal accident to S$100,000.
- Helper liability of S$100,000 across all tiers, plus repatriation cover.
How MOM's medical rule works
Every MOM-approved FDW policy must cover at least S$60,000 of medical per year. Under MOM's Enhanced Medical Insurance, the insurer pays the first S$15,000 of admissible inpatient and day-surgery claims in full; above that the employer bears 25% co-insurance unless the plan waives it (AIG's Superior and Premier do). See our coverage details and security bond guide.
Pricing
AIG advertises domestic helper insurance from S$0.81 a day, but the final premium depends on your helper's age, the tier and any riders, and is generated as a quote. Use the advertised figure as a starting point only. For a like-for-like comparison across MOM-approved insurers tailored to your helper, see our helper insurance page.
Frequently asked questions
Does AIG sell maid insurance in Singapore?
Yes. AIG offers domestic helper (maid) insurance across four tiers , Classic, Superior, Elite and Premier , all MOM-compliant with at least S$60,000 medical cover and the S$5,000 security bond included.
What are AIG's domestic helper insurance tiers?
Classic, Superior, Elite and Premier. Classic and Superior cover S$60,000 medical; Elite and Premier raise medical and personal accident to S$100,000. Superior and Premier come without the 20% medical co-insurance.
How much is AIG maid insurance?
AIG advertises from S$0.81 a day, but the final premium depends on your helper's age, the chosen tier and any riders, and is generated as a quote. Treat the advertised figure as a starting point.
Which AIG tier has no medical co-insurance?
The Superior and Premier tiers cover hospitalisation and surgical with no 20% co-insurance, so the employer is not exposed to the co-payment share above S$15,000. Classic and Elite apply the 20% co-insurance.
Does AIG cover repatriation and helper liability?
Yes. All four AIG tiers include repatriation expenses of S$10,000 and helper personal liability of S$100,000, plus cover for the helper's belongings and the MOM security bond.
Upwill is a licensed MOM employment agency (EA Licence 24C2628), not a licensed insurance intermediary. This article is educational, sourced from AIG's public product page, and does not constitute insurance advice. Confirm all terms with AIG before purchase.