FWD Maid Insurance Singapore 2026: Plans, Cover & What to Know
TL;DR: Yes, FWD sells maid (foreign domestic worker) insurance in Singapore, across four plans , Essential, Popular, Enhanced and Exclusive , all meeting MOM's S$60,000 medical minimum. Two stand-outs: FWD says it is the only insurer that does not charge you if your MOM security bond is forfeited, and its top Exclusive plan removes the hospitalisation co-payment. Premiums are quote-based, so get a quote for your helper's age and chosen tier.
This is a factual overview of FWD's current maid insurance, checked against FWD's own maid insurance page (July 2026). Figures and features come from that page; always confirm the live policy wording and your own quote before buying.
FWD's maid insurance plans
FWD offers four tiers. Every tier meets MOM's requirement of at least S$60,000 hospitalisation and surgical cover; the higher tiers add outpatient cover and remove the co-payment.
| Benefit | Essential | Popular | Enhanced | Exclusive |
|---|---|---|---|---|
| Hospitalisation & surgical | S$60,000 | S$60,000 | S$60,000 | S$60,000 |
| Co-payment above S$15,000 | 25% | 25% | 0% | 0% (zero out-of-pocket) |
| Outpatient (accident) | S$1,000 | S$2,000 | S$3,000 | see FWD |
| Outpatient (illness) | , | S$500 | S$1,000 | see FWD |
| Daily hospital allowance | , | S$10/day (max 30) | S$10/day (max 30) | see FWD |
An optional top-up raises the hospitalisation limit to S$120,000. FWD also offers riders for cashless outpatient, daily hospital allowance, COVID-19 hospitalisation and repatriation, and home contents. Exact benefit lines for the Exclusive tier vary, so check the current schedule on FWD's page.
What makes FWD different
- Security bond, no charge if forfeited. FWD states it is the only insurer that does not make you pay if MOM forfeits your S$5,000 security bond. For most employers that is the single most valuable line.
- Zero out-of-pocket on Exclusive. The Exclusive plan removes the hospitalisation and surgical co-payment up to the benefit limit.
- Cashless outpatient at network clinics on the higher tiers (up to S$30 a visit).
- Full refund within the first 3 months if you cancel.
How MOM's medical rule works
Every MOM-approved FDW policy, FWD included, must cover at least S$60,000 of medical per year. Under MOM's Enhanced Medical Insurance, the insurer pays the first S$15,000 of admissible inpatient and day-surgery claims in full; above that the employer bears 25% co-insurance unless the plan waives it (FWD's Enhanced and Exclusive do). See our coverage details and security bond guide.
Pricing
FWD does not publish a flat premium; the price depends on your helper's age, the tier, and any riders, and is generated as a quote. Treat any fixed "from S$X" figure you see elsewhere with caution. For a like-for-like comparison across MOM-approved insurers tailored to your helper, see our helper insurance page and we will run the quotes with you.
Frequently asked questions
Does FWD sell maid insurance in Singapore?
Yes. FWD offers maid (foreign domestic worker) insurance across four plans , Essential, Popular, Enhanced and Exclusive , all meeting MOM's minimum S$60,000 medical cover. You buy it online or through an agency.
What are FWD's maid insurance plans?
FWD has four tiers: Essential, Popular, Enhanced and Exclusive. All cover S$60,000 hospitalisation and surgical; the higher tiers add outpatient cover and reduce or remove the co-payment, with Exclusive offering zero out-of-pocket up to the limit.
How much is FWD maid insurance?
FWD does not publish a flat premium. The price depends on your helper's age, the plan tier and any riders, and is generated as a quote. Get a current quote rather than relying on a fixed advertised figure.
Does FWD cover the MOM security bond?
Yes, and FWD states it is the only insurer that will not make you pay if MOM forfeits the S$5,000 security bond. That is one of its most valuable features for employers.
Which FWD plan has no medical co-payment?
FWD's Enhanced and Exclusive plans remove the 25% co-insurance that applies above S$15,000 on the lower tiers, and Exclusive is marketed as zero out-of-pocket for hospitalisation and surgical up to the benefit limit.
Upwill is a licensed MOM employment agency (EA Licence 24C2628), not a licensed insurance intermediary. This article is educational, sourced from FWD's public product page, and does not constitute insurance advice. Confirm all terms with FWD before purchase.