HL Assurance Maid Insurance Singapore 2026: Plans, Cover & Premiums
TL;DR: HL Assurance sells maid insurance as Maid Protect360 PRO, across four MOM-compliant tiers , Basic, Enhanced, Premier and Exclusive. It publishes its premiums: a 26-month policy for a helper aged 50 or under runs S$507.00 (Basic), S$556.90 (Enhanced), S$583.60 (Premier) or S$692.00 (Exclusive), including 9% GST. Enhanced and above waive the 25% medical co-payment.
This is a factual overview checked against HL Assurance's own Maid Protect360 PRO page (July 2026). Figures come from that page; confirm the live policy wording and your own quote before buying.
Maid Protect360 PRO coverage
| Benefit | Basic | Enhanced | Premier | Exclusive |
|---|---|---|---|---|
| Accidental death / permanent disablement | S$60,000 | S$70,000 | S$80,000 | S$100,000 |
| Hospital & surgical (annual limit) | S$60,000 | S$60,000 | S$80,000 | S$80,000 |
| Waiver of 25% co-payment | , | Yes | Yes | Yes |
| Alternative maid services (per day, max 30) | , | S$100 | S$150 | S$200 |
| Repatriation | S$10,000 | S$10,000 | S$10,000 | S$10,000 |
| Security bond (Letter of Guarantee to MOM) | S$5,000 | S$5,000 | S$5,000 | S$5,000 |
| Third-party liability | , | S$3,000 | S$5,000 | S$7,000 |
Higher tiers add outpatient and dental privileges, home contents cover, a family grant, and wage/levy reimbursement. Cover extends to infectious diseases and up to 90 days pre and post hospitalisation.
HL Assurance Maid Protect360 PRO premiums
HL Assurance publishes its premiums (including 9% GST) on its page. As of July 2026, for a 26-month policy:
| Helper age | Basic | Enhanced | Premier | Exclusive |
|---|---|---|---|---|
| 50 and under | S$507.00 | S$556.90 | S$583.60 | S$692.00 |
| 51 and above | S$1,404.70 | S$1,469.30 | S$1,501.90 | S$1,610.30 |
These are HL Assurance's listed prices at the time of writing (a 14-month policy costs less), and promotions run periodically, so confirm the current premium on HL's site or your quote.
Security bond and co-payment
- Security bond. A Letter of Guarantee to MOM for the S$5,000 bond is included. An optional Waiver of Counter Indemnity rider (about S$54.50) reduces your liability to an excess of S$250 if MOM makes a demand.
- Co-payment. The 25% co-insurance above S$15,000 is waived on the Enhanced, Premier and Exclusive plans; Basic carries it.
How MOM's medical rule works
Every MOM-approved FDW policy must cover at least S$60,000 of medical per year, and the policy runs 14 or 26 months. The insurer pays the first S$15,000 of admissible claims in full; above that a 25% co-payment applies unless waived. See our coverage details and security bond guide, or compare across insurers on our helper insurance page.
Frequently asked questions
Does HL Assurance sell maid insurance?
Yes, under Maid Protect360 PRO, across four MOM-compliant tiers , Basic, Enhanced, Premier and Exclusive , with the S$5,000 security bond issued as a Letter of Guarantee to MOM.
How much is HL Assurance maid insurance?
HL publishes its premiums (incl. 9% GST). For a 26-month policy for a helper aged 50 or under: Basic S$507.00, Enhanced S$556.90, Premier S$583.60, Exclusive S$692.00. Older helpers cost more, and a 14-month policy is cheaper. Confirm the current price on HL's site.
What are HL Assurance's maid insurance tiers?
Basic, Enhanced, Premier and Exclusive. Medical cover runs S$60,000 to S$80,000 and accidental cover S$60,000 to S$100,000 as you move up; the 25% co-payment is waived on Enhanced and above.
Which HL plans waive the 25% co-payment?
The Enhanced, Premier and Exclusive plans waive the 25% co-insurance on hospital bills above S$15,000. The Basic plan carries the co-payment.
Does HL cover the MOM security bond?
Yes. A Letter of Guarantee to MOM for the S$5,000 bond is included, and an optional Waiver of Counter Indemnity rider (about S$54.50) reduces your liability to an S$250 excess if MOM makes a demand.
Upwill is a licensed MOM employment agency (EA Licence 24C2628), not a licensed insurance intermediary. Educational, sourced from HL Assurance's public product page, not insurance advice. Confirm all terms with HL Assurance before purchase.