Income (NTUC) Maid Insurance Singapore 2026: Plans & Cover
TL;DR: Income (formerly NTUC Income) sells domestic helper (maid) insurance in Singapore across three plans , Basic, Standard and Enhanced , all meeting MOM's S$60,000 medical minimum. Its stand-out is the Letter of Guarantee, so you do not pay a cash deposit when your helper is admitted to a designated public hospital. Premiums are quote-based and Income runs periodic promotions, so get a current quote.
This is a factual overview checked against Income'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.
Income's domestic helper insurance plans
Income offers three tiers. All three meet MOM's S$60,000 medical requirement; the higher tiers add outpatient, wage compensation and higher personal liability.
| Benefit | Basic | Standard | Enhanced |
|---|---|---|---|
| Hospitalisation & surgical | S$60,000/yr | S$60,000/yr | S$60,000/yr |
| Accidental death / permanent disability | S$60,000 | S$60,000 | S$80,000 |
| Outpatient medical (injury) | S$1,500 | S$2,000 | S$3,000 |
| Personal liability | S$25,000 | S$25,000 | S$75,000 |
| Wages compensation | , | S$20/day (max 30) | S$35/day (max 30) |
| Repatriation | S$10,000 | S$10,000 | S$10,000 |
What makes Income different
- Letter of Guarantee (LOG). No upfront cash deposit for admission at designated public hospitals, up to the S$60,000 annual limit. For many employers this is the single most useful feature.
- Security bond included as a Letter of Guarantee to MOM, with an optional Security Bond Protector add-on that reduces your S$5,000 liability to S$250.
- Optional co-payment waiver and additional hospital/surgical cover; COVID-19 hospitalisation is included.
- Pre-existing conditions covered where the helper has been employed 12 or more consecutive months in Singapore.
How MOM's medical rule works
Every MOM-approved FDW policy must cover at least S$60,000 of medical per year. 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 a waiver rider is added. See our coverage details and security bond guide.
Pricing
Income does not publish a flat premium on its page; the price depends on your helper's age, the plan and any riders, and is generated as a quote. Income also runs periodic promotions, so the right move is a current quote rather than a fixed figure. For a like-for-like comparison across MOM-approved insurers tailored to your helper, see our helper insurance page.
Frequently asked questions
Does Income (NTUC Income) sell maid insurance?
Yes. Income offers domestic helper insurance across three plans , Basic, Standard and Enhanced , all MOM-compliant with at least S$60,000 medical cover and the S$5,000 security bond handled via a Letter of Guarantee.
What are Income's maid insurance plans?
Basic, Standard and Enhanced. All cover S$60,000 hospitalisation and surgical; Standard and Enhanced add outpatient cover, wage compensation and higher personal liability, and Enhanced raises accidental death cover to S$80,000.
What is Income's Letter of Guarantee?
It lets you skip the cash deposit that hospitals normally ask for when your helper is admitted at a designated public hospital, up to the S$60,000 annual limit. The insurer settles directly with the hospital.
How much is Income maid insurance?
Income does not publish a flat premium; it is quote-based on your helper's age, the plan and any riders, and Income runs periodic promotions. Get a current quote rather than relying on a fixed figure.
Does Income cover the MOM security bond?
Yes. The S$5,000 security bond is provided as a Letter of Guarantee to MOM, and an optional Security Bond Protector add-on reduces your liability to S$250 if MOM makes a demand.
Upwill is a licensed MOM employment agency (EA Licence 24C2628), not a licensed insurance intermediary. Educational, sourced from Income's public product page, not insurance advice. Confirm all terms with Income before purchase.