Maid Insurance Promotions Singapore 2026 — Active Discounts Across Every Insurer
Maid insurance in Singapore is one of the few personal lines where the same policy can cost 35% less depending on which channel you click through. Identical underwriting, identical claims process, identical 36-month policy — but the headline price you see on the insurer's own site is almost never the cheapest. The cheapest version usually lives behind a MoneySmart, SingSaver or MoneyHero affiliate funnel, where the insurer pays the aggregator a referral fee and the aggregator rebates most of it back to you as a PayNow transfer, voucher or hardware gift (AirTags, tablets, even an Apple Watch in past cycles).
The catch: these promos rotate every 2–8 weeks, and the exact same insurer can run three different promos simultaneously — one on its own website, one on MoneySmart, one on SingSaver — with no single source of truth. This page is our living promo aggregator. We re-verify every entry every two weeks. Everything below was last checked in May 2026; promo terms always change, so screenshot the discount at checkout before you pay so you have proof if billing diverges from the advertised rate.
Reviewed by Wendy Tan, Licensed Employment Agent — EA Personnel Registration No. R1xxxxxx, operating under Upwill Employment Pte Ltd, MOM EA Licence 24C2628.
2026 promo snapshot — insurer × channel × discount
Numbers below are headline promos as of May 2026. The "effective price" column is for a 26-month standard plan with S$15k medical, S$60k personal accident and standard wage indemnity, after the headline discount and any rebate netted out. Always re-check before purchase — these change weekly.
| Insurer | Channel | Headline discount | PayNow / gift | Effective 26-mth price (std) | Verified |
|---|---|---|---|---|---|
| AIG | Direct (aig.sg) | 30% off | S$250 e-vouchers | ~S$320 net | May 2026 |
| AIG | MoneySmart | 20% off | S$200 PayNow | ~S$308 net | May 2026 |
| AIG | SingSaver | 20% off | S$150 PayNow | ~S$358 net | May 2026 |
| FWD | Direct (fwd.com.sg) | Promo code at checkout | Rotating gift (tablet/voucher) | ~S$340 net | May 2026 |
| MSIG MaidPlus | Direct | 30% off + S$15 e-voucher | S$15 e-voucher | ~S$410 net | May 2026 |
| MSIG MaidPlus | SingSaver | 30% off | Up to S$115 PayNow OR 3× Apple AirTags | ~S$295 net (PayNow option) | May 2026 |
| Great Eastern Maid Protect | SingSaver | 20% off (code MAID20) | Up to S$110 PayNow OR 3× Apple AirTags | ~S$307 net | May 2026 |
| Etiqa TIQ | Direct (tiq.com.sg) | ~35% off + Premium Freeze | Rotating gift | ~S$295 net | May 2026 |
| NTUC Income | Direct | Union (NTUC) member rate + seasonal % off | None typical | ~S$365 net | May 2026 |
Read this carefully: "effective net price" subtracts the PayNow rebate from the post-discount premium. It is the real out-of-pocket cost after the rebate clears (typically 6–8 weeks post-purchase). If you cancel mid-term, most aggregators claw back the rebate.
AIG promotions — three concurrent channels
AIG's maid insurance runs the cleanest three-way channel split in the market. Each channel has a deliberately different mix of headline discount vs voucher/PayNow value, so the "best" channel depends on whether you value cash-equivalent (PayNow) or insurer-branded vouchers.
AIG direct (aig.sg/maid)
- 30% off the published premium across all plan tiers
- S$250 in e-vouchers (typically Grab, NTUC or Takashimaya — rotates)
- Vouchers are NOT cash — they are tied to a specific retailer and have expiry (usually 6 months)
- Best for: buyers who would spend at the voucher retailer anyway, or who don't want to wait 6–8 weeks for a PayNow rebate
AIG via MoneySmart
- 20% off + S$200 PayNow rebate
- PayNow rebate clears 6–8 weeks after policy issuance (do not cancel in this window)
- Best for: buyers who want cash-equivalent rebate
AIG via SingSaver
- 20% off + S$150 PayNow rebate
- Lower rebate than MoneySmart on the same insurer — only choose SingSaver if you're stacking it with a separate SingSaver gift campaign (e.g. their seasonal "new sign-up bonus")
For full plan-tier and claims experience detail see our AIG maid insurance review.
FWD promotions
FWD typically does not publish a headline percentage on the maid product page — instead you enter a promo code in the quote calculator. Active codes in 2026 have included tablet gifts and S$30–S$50 GrabFood vouchers, alongside discounts of around 15–25% depending on cycle.
- FWD's direct funnel is faster than aggregators (instant policy issuance, no rebate wait)
- Check the FWD promotions page for the active code before quoting
- Best for: buyers who want instant coverage same-day (e.g. helper arriving in 48 hours and you need WP-eligible cover before the IPA confirmation)
See our FWD maid insurance review for plan-tier breakdown.
MSIG MaidPlus promotions
MSIG is the most aggressive promo discounter in May 2026 — 30% off direct, and 30% off via SingSaver with a S$115 PayNow rebate stacked on top. The SingSaver channel is meaningfully cheaper than direct.
- Direct: 30% off + S$15 e-voucher (flash sale, ends 25 May 2026 at time of writing — almost certainly extended)
- SingSaver: 30% off, choose between up to S$115 PayNow or 3× Apple AirTags (~S$130 retail)
- The AirTag option is taxable as a benefit-in-kind in some interpretations — most buyers take PayNow
MSIG's underlying plan is one of the strongest at the mid-tier; combined with this promo, it's the current price-performance leader for households who want the S$60k–S$75k medical band. See MSIG MaidPlus review.
Great Eastern Maid Protect promotions
Great Eastern runs the cleanest aggregator-only promo in the market — you cannot get the discount on the Great Eastern direct site at the same level as via SingSaver.
- SingSaver: 20% off with promo code MAID20 at checkout, plus up to S$110 PayNow OR 3× Apple AirTags
- Code MAID20 must be entered manually — the discount does not auto-apply
- Direct site usually runs a smaller (~10–15%) seasonal discount only — always go through SingSaver for GE
See Great Eastern Maid Protect review.
Etiqa TIQ promotions
Etiqa (TIQ) ran one of the strongest direct-channel promos in 2025–2026, hovering around 35% off with a Premium Freeze guarantee (the renewal premium will not increase for the second 13 months of the 26-month policy, regardless of claims). This is unique — every other insurer reserves the right to re-rate at renewal.
- Direct (tiq.com.sg): ~35% off + Premium Freeze on renewal
- No aggregator stack — TIQ's direct channel is usually the cheapest because Etiqa keeps the affiliate margin in-house
- Premium Freeze is the highest-value non-monetary perk in the maid insurance market right now — it protects you against the post-claim re-rating that AIG and MSIG have historically applied
See Etiqa TIQ maid insurance review for claim-by-claim coverage detail.
NTUC Income promotions
Income's maid product is structured around NTUC Union membership rather than aggregator promos. If you're an NTUC member, you get a member rate that typically runs 8–12% below the published rate, sometimes layered with a seasonal % off (5–10% in recent cycles).
- Union member rate: published on income.com.sg after you log in to your member account
- Seasonal % off: small (5–10%) and rotates quarterly
- No PayNow rebate, no voucher stack — Income's value is the underlying claims experience, not the promo
- Worth it only if you're already an NTUC member; otherwise the S$30/year membership fee usually erases the discount
Best deal by tier (cheapest, mid, premier)
Based on the May 2026 promo cycle, after netting rebates against post-discount premium:
Cheapest tier (basic MOM-compliant cover)
Etiqa TIQ direct at ~35% off lands around S$295 net for 26 months on the basic plan — and adds the Premium Freeze guarantee. MSIG via SingSaver (30% + S$115 PayNow) is within S$5 of TIQ but with a wait for the rebate.
Mid tier (S$60k medical, standard wage indemnity)
MSIG MaidPlus via SingSaver is the clear winner — 30% off plus S$115 PayNow gets the effective price near S$295 net for a plan tier that usually retails around S$580.
Premier tier (S$75k+ medical, outpatient dental, hospitalisation cash)
AIG direct with the S$250 voucher is usually the strongest because AIG's premier tier has the deepest hospitalisation cash benefit and the vouchers offset the higher base premium. Great Eastern via SingSaver with MAID20 is the budget alternative if you don't need AIG's hospitalisation cash rider.
How to stack promotions (referral + tier + PayNow)
Stacking is where most buyers leave money on the table. The maximum theoretical stack in May 2026:
- Start at the aggregator (MoneySmart or SingSaver) — never the insurer's own page. The aggregator-routed funnel triggers the affiliate rebate; the direct funnel does not.
- Apply the insurer's promo code in the quote tool if the aggregator funnel has a code field (e.g. MAID20 for Great Eastern). Some codes stack with the headline discount; some don't — try it and watch the quote update.
- Use the aggregator's own sign-up bonus if you're new to that aggregator. MoneySmart and SingSaver both run "first purchase" bonuses (typically S$20–S$50) that apply on top of the maid insurance promo.
- Refer a friend after purchase — both MoneySmart and SingSaver have referral programs that pay S$10–S$30 per successful referral. If a relative is also buying maid insurance, refer them.
- Pay with the right card — DBS Live Fresh and OCBC 365 typically give 1.5–3% cashback on online insurance purchases, depending on quarterly merchant categorisation. That's a quiet 3% on top of everything else.
Realistic max stack for a S$580 mid-tier plan: 30% discount + S$115 PayNow + S$30 aggregator sign-up + 3% card cashback = effective net cost around S$270, which is 53% below the insurer's published price.
How to verify the promo at checkout
Promo disputes are the #1 complaint we hear from employers. The aggregator advertises a S$115 PayNow rebate, you buy, and 6 weeks later the rebate that lands in your account is S$80 — because you accidentally selected the wrong plan tier, or the code expired the day before, or the rebate was capped at "up to" S$115 contingent on a specific premium band.
Five-step verification at checkout:
- Screenshot the promo landing page (the page that listed the discount and rebate amount) BEFORE you click through to the insurer's quote form. Make sure the URL is in the screenshot.
- Screenshot the final quote screen showing the post-discount premium, the promo code applied, and any rebate / gift selection.
- Screenshot the payment confirmation page (the one that shows the policy reference number).
- Save the confirmation email from both the insurer (policy schedule) and the aggregator (rebate eligibility confirmation). The aggregator email is what you'll need if the rebate doesn't arrive.
- Diarise the rebate arrival date — usually 6–8 weeks from policy inception. If it doesn't land by week 9, raise a ticket with the aggregator, attaching all four screenshots above.
If a dispute arises, the aggregator will ask for evidence; without screenshots you almost always lose. With them you almost always win — the aggregators run reputable rebate programs and honour them when proof is provided.
For broader product comparison beyond promos, see our maid insurance comparison guide. For end-to-end MOM-compliant hiring including insurance pairing, see our helper insurance hiring service.
Reviewed by
Wendy Tan — Licensed Employment Agent, EA Personnel Registration No. R1xxxxxx, operating under Upwill Employment Pte Ltd, MOM EA Licence 24C2628. Wendy has placed over 1,400 foreign domestic workers in Singaporean households since 2017 and reviews every promotional cycle across all six major maid insurers quarterly. This article was last verified in May 2026; promo terms change frequently — always screenshot the discount at checkout for proof.