Liberty HelperCare Maid Insurance Singapore 2026: Plans & Cover
TL;DR: Liberty sells maid insurance as HelperCare, across four MOM-compliant tiers , Standard, Standard Plus, Superior Plus and Supreme Plus. The top tier covers up to S$100,000 for both medical and accidental death, and the three Plus tiers waive the 25% medical co-payment. It also covers communicable diseases and pre-existing conditions (after 12 months with the same employer). Premiums are quote-based.
This is a factual overview checked against Liberty's own HelperCare page (July 2026). Figures come from that page; confirm the live policy wording and your own quote before buying.
Liberty HelperCare coverage
| Benefit | Standard | Standard Plus | Superior Plus | Supreme Plus |
|---|---|---|---|---|
| Hospital & surgical (per year) | S$60,000 | S$60,000 | S$80,000 | S$100,000 |
| Personal accident (death) | S$60,000 | S$60,000 | S$80,000 | S$100,000 |
| Co-insurance above S$15,000 | 25% | 0% | 0% | 0% |
| Daily hospital allowance (max 60 days) | , | S$20/day | S$20/day | S$20/day |
| Security bond (Letter of Guarantee to MOM) | S$5,000 | S$5,000 | S$5,000 | S$5,000 |
What makes Liberty HelperCare different
- Up to S$100,000 for both hospitalisation and accidental death or permanent disability on the top tier.
- Communicable diseases covered (including COVID-19 and dengue), local and emergency overseas, with up to 90 days pre and post hospitalisation.
- Pre-existing conditions covered if your helper has been employed 12 or more months in Singapore with the same employer.
- Co-payment waived on the three Plus tiers (Standard carries the 25% co-insurance above S$15,000).
- Outpatient TCM / chiropractor cover for injury, and a daily hospital allowance for up to 60 days on the Plus tiers.
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 the plan waives it (the Plus tiers do). See our coverage details and security bond guide.
Pricing
Liberty does not publish a flat premium on its page; the price depends on the tier, your helper's age and the term, and is generated as a quote. For a like-for-like comparison across MOM-approved insurers tailored to your helper, see our helper insurance page.
Frequently asked questions
Does Liberty sell maid insurance in Singapore?
Yes, under HelperCare (previously MaidCare), across four MOM-compliant tiers , Standard, Standard Plus, Superior Plus and Supreme Plus , with the S$5,000 security bond issued as a Letter of Guarantee to MOM.
What are Liberty HelperCare's tiers?
Standard, Standard Plus, Superior Plus and Supreme Plus. Medical and accidental cover rise from S$60,000 up to S$100,000 as you move up, and the three Plus tiers waive the 25% medical co-payment.
What does Liberty HelperCare cover?
Up to S$100,000 hospitalisation and up to S$100,000 accidental death or disability, communicable diseases (COVID-19, dengue), 90 days pre and post hospitalisation, pre-existing conditions after 12 months with the same employer, outpatient TCM or chiropractor, and a daily hospital allowance for up to 60 days on the Plus tiers.
Which Liberty tiers waive the medical co-payment?
Standard Plus, Superior Plus and Supreme Plus waive the 25% co-insurance above S$15,000. The entry Standard tier carries the 25% co-payment.
How much is Liberty HelperCare?
Liberty does not publish a flat premium; it is quote-based on the tier, your helper's age and the policy term. Get a current quote rather than relying on a fixed figure.
Upwill is a licensed MOM employment agency (EA Licence 24C2628), not a licensed insurance intermediary. Educational, sourced from Liberty's public product page, not insurance advice. Confirm all terms with Liberty before purchase.