Home News What you need to know about Maid Insurance in Singapore – (July 2025 Edition)

What you need to know about Maid Insurance in Singapore – (July 2025 Edition)

📌 Introduction: Understanding Maid Insurance in Singapore

Hiring a domestic helper in Singapore comes with specific legal responsibilities, and maid insurance is one of the most important. As of July 2025, the Ministry of Manpower (MOM) has updated its guidelines to enhance protection for foreign domestic workers (FDWs). This article outlines everything employers need to know about maid insurance in Singapore—whether you’re hiring for the first time or renewing your helper’s contract.

💼 Why Maid Insurance Is Mandatory

Maid insurance is required to protect both the employer and the helper. It ensures that foreign domestic workers receive proper medical attention while reducing the employer’s financial liability.

MOM mandates all employers to purchase:

Medical insurance for inpatient care and day surgery
Personal accident insurance
Communicable disease coverage (effective July 2025)

📋 Updated Maid Insurance Coverage Requirements (2025)

Medical Insurance (Inpatient and Surgery)
- Minimum coverage: S$60,000 per year
- Must include direct billing with hospitals and standardised exclusions
- From July 2025, plans must cover communicable diseases such as COVID-19, dengue, and TB
Co-Payment Clause (Important Update)
- For hospital bills exceeding S$15,000: insurers cover 75% of the excess, employers pay 25%
- Employers must understand this shared liability and choose their plans accordingly
- There are plans available that covers the full coverage at a higher premium. (100% insurance coverage
Personal Accident Insurance
- Minimum S$60,000 coverage for accidental death or permanent disability
Security Bond
- S$5,000 bond required for non-Malaysian FDWs

📦 What’s Included in Most Maid Insurance Packages

Comprehensive plans offered by MOM-approved insurers typically include:

Medical insurance (S$60,000 minimum)
Personal accident insurance (S$60,000)
S$5,000 security bond
Optional add-ons: outpatient visits, wage reimbursement, repatriation costs

⚠️ Cheap Insurance Plans vs Co-Payment Risks

Some low-cost maid insurance plans appear attractive but come with co-payment conditions. This means:

You may have to co-pay hospital bills over a certain amount
Out-of-pocket costs can be higher than expected

💡 Tip: Always ask the insurer:

Is the policy a co-payment plan?
Are communicable diseases covered?
Are direct billing arrangements in place with hospitals?

Able Best works with reputable insurance partners to offer fully transparent and MOM-compliant plans.

✅ Employer Responsibilities

Before your helper arrives:

Purchase maid insurance that meets the 2025 requirements
Submit proof of insurance when applying for or renewing the Work Permit
Understand the terms—including co-payment responsibilities

🛡️ How Able Best Helps

At Able Best, we:

Recommend trusted MOM-compliant insurers
Guide you in selecting full coverage vs co-payment plans
Ensure timely policy activation before your helper arrives
Explain all coverage in simple, employer-friendly terms

With 20+ years of experience, Able Best makes hiring and compliance stress-free.

📌 Maid Insurance Checklist (2025)

✔ S$60,000 medical insurance
✔ S$60,000 personal accident insurance
✔ Co-payment terms understood
✔ Communicable disease coverage included
✔ Security bond of S$5,000
✔ All documents ready before FDW arrival

🔗 Helpful Resources