Upwill
Manpower Placement Agency

Insurance & Medical Services

Comprehensive insurance coverage and medical examination arrangements for Migrant Domestic Workers, providing peace of mind and compliance with Singapore's Ministry of Manpower regulations.

Your Employer Obligations Made Simple

At Upwill, we handle all insurance and medical requirements for your domestic helper, ensuring full compliance with MOM regulations while protecting you from unexpected expenses.

Under the Employment of Foreign Manpower Regulations, employers are responsible for providing medical care for their Migrant Domestic Workers (MDWs), including both inpatient and outpatient treatment, regardless of whether the conditions are work-related.

Our specialized insurance and medical services ensure that you meet all legal requirements while protecting your financial interests. With the recent enhancement to MDW medical insurance requirements, comprehensive coverage is now more important than ever.

From July 2023, MOM has implemented an increased annual claim limit of $60,000 (up from $15,000) to better protect employers against large medical bills. We help you navigate these requirements and select the best coverage options for your specific situation.

Migrant Domestic Worker Insurance and Medical Services

Comprehensive Coverage Solutions

Learn about the essential insurance and medical requirements for hiring a domestic helper

Mandatory Insurance Requirements

All employers of Migrant Domestic Workers must purchase both medical insurance and personal accident insurance. These policies are essential for protecting both you and your helper.

Key Insurance Requirements:

  • Medical Insurance: Minimum coverage of $60,000 per year for hospitalization and surgical procedures
  • Personal Accident Insurance: Minimum sum assured of $60,000 for injuries, disabilities, or death
  • No additional exclusion clauses beyond those in the Employment of Foreign Manpower Regulations
  • Coverage periods of either 14 months (1-year work permit + 2 months) or 26 months (2-year work permit + 2 months)
  • Co-payment structure for claims above $15,000 (employers pay a percentage of the excess amount)
Get Insurance Coverage

Our Insurance & Medical Services

A comprehensive approach to managing your helper's insurance and medical requirements

Insurance Policy Selection

We help you select the most appropriate insurance policies to meet MOM requirements while considering your specific needs and budget. Our partnerships with leading insurers ensure competitive premiums and comprehensive coverage.

Medical Examination Coordination

We arrange all required medical examinations for your helper, including the initial check within 2 weeks of arrival and subsequent 6-monthly examinations (6ME). Our team sends reminders before due dates to ensure compliance.

Policy Documentation Management

Our team handles all insurance policy documentation and renewals on your behalf. We maintain digital and physical records of all policies, ensuring they remain valid throughout your helper's employment period.

Claims Assistance

Should your helper require medical attention, our team provides comprehensive guidance through the insurance claims process. We help submit the necessary documentation and follow up with insurers to ensure timely processing.

Regulatory Compliance Monitoring

We stay updated with all MOM regulations regarding helper insurance and medical requirements. When requirements change, as with the 2023 enhancements, we notify you promptly and help you make necessary adjustments to maintain compliance.

Cost-Effective Solutions

We provide competitive insurance packages for both 14-month and 26-month coverage periods. Our range of options ensures you can find the right balance between comprehensive protection and affordability, with premiums starting from $367.20 for a 14-month policy.

Frequently Asked Questions

Find answers to common questions about our domestic helper services

Employers must provide two types of insurance: medical insurance with a minimum coverage of $60,000 annually (increased from $15,000 as of July 2023) for inpatient care and day surgery, and personal accident insurance with a minimum sum assured of $60,000. Both policies must extend 2 months beyond the work permit period.

Your helper must complete an initial medical examination within 2 weeks of arriving in Singapore. Subsequently, she must undergo a Six-Monthly Medical Examination (6ME) every 6 months throughout her employment. MOM will send notification when these examinations are due, and failure to comply may affect the work permit status.

Insurance premiums vary based on the coverage period and selected plans. Typically, you can expect to pay around $367.20 for a 14-month policy (covering a 12-month work permit plus the required 2-month buffer) or approximately $550.80 for a 26-month policy (covering a 24-month work permit plus buffer). Premium costs may vary based on the insurer and any additional coverage options you select.

If your helper fails her initial medical examination, her work permit cannot be issued, and she will need to be repatriated. If she fails a subsequent 6ME during her employment, MOM will provide specific instructions, which may include treatment requirements or, in certain cases, repatriation. Our team will guide you through the process and available options if this situation arises.

Under the enhanced medical insurance requirements, for claims above $15,000, employers are required to co-pay a percentage of the amount exceeding $15,000, up to the maximum coverage of $60,000. The specific co-payment percentage depends on the insurance policy you select. This structure helps balance premium costs with coverage while still protecting employers from the full impact of high medical bills.

Still have questions?

Our team is ready to help you with any specific concerns.

Contact Us

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