Home Products Domestic Helper
Domestic Helper
Our SmartHelper Insurance is a competitive and comprehensive package of benefits developed to meet the needs and obligations of individual employers like yourself beyond the requirements of the Ministry of Manpower. It offers you protection against unforeseen medical or hospitalisation expenses incurred by your domestic helper during her stay with you. Our plans are underwritten exclusively by AXA Insurance Pte Ltd, a member of the AXA Group, one of the world's leading insurance companies.
What is Covered?
  • Security bond of S$5,000 to Ministry of Manpower
  • 24 hour Worldwide Personal Accident Cover of S$60,000 for your domestic helper (except on home leave)
  • Hospitalisation and Surgical Expenses of up to S$40,000 per year
  • Outpatient Cancer Treatment and/or Kidney Dialysis of up to S$3,000
  • Critical Illness of up to S$3,000
  • Special Grant of up to S$3,000
  • Up to S$5,000 for your domestic helper’s liability to third parties
  • In-Hospital Psychiatric Treatment up to S$5,000
  • Dental Care of up to S$3,000
  • Fidelity Guarantee up to S$2,000
  • Re-hiring Expenses of up to S$750
  • Repatriation Expenses in the event of death or permanent disablement
  • Wages Reimbursement of up to S$30 per day (Max 60 days of Hospitalisation)
Benefits and Premium
Plan Premium
Standard Plan
Compre-Plus Plan
Ultimate-Plus Plan
26 Months
$256.80
$278.20
$310.30
14 Months
$192.60
$208.65
$232.73
Coverage
1. Letter of Guarantee to Ministry of Manpower
$5,000
$5,000
$5,000
2. Personal Accident for Insured Person
a. Accidental Death
$60,000
$60,000
$60,000
b. Permanent Disablement
$60,000
$60,000
$60,000
c. Medical Expenses
$1,000
$2,000
$3,000
d. TCM Expenses (Per Accident)
Not applicable
$150
$200
3. Repatriation Expenses
$10,000 when services are provided by our appointed emergency medical assistance provider, HENG-GREF International Assists Pte Ltd (Tel: 6272 6018), OTHERWISE our limit of liability is $3,000
UNLIMITED when services are provided by our appointed emergency medical assistance provider, HENG-GREF International Assists Pte Ltd (Tel: 6272 6018), OTHERWISE our limit of liability is $3,000.

Only "Plus" Policies cover death and/or permanent disablement due to ANY CAUSE, including suicide and/or unexplained causes.
4. Hospitalisation & Surgical Expenses (per year)
$15,000
$15,000
$20,000
5. Outpatient Cancer Treatment and/or Kidney Dialysis
Not applicable
$1,000
$3,000
6. Critical Illness
Not applicable
$1,000
$3,000
7. Wages Reimbursement
Not applicable
$30 per day
$30 per day
8. Re-Hiring Expenses
Not applicable
$500
$750
9. Domestic Helper’s Liability to Third Party
Not applicable
$3,000
$5,000
10. Special Grant
Not applicable
$2,000
$3,000
For 26 Months
Insurance Only (Sections 2 to 10 above)
$214.00
$235.40
$267.50
Letter of Guarantee Only
$100.00
$100.00
$100.00
Philippine Embassy Bond $2,000
$35.00
$35.00
$35.00
Philippine Embassy Bond $7,000
$70.00
$70.00
$70.00
Optional Add-on Benefits
Add-on 1: Security Bond Protector
Reimburses the employer for the Loss of the Security Bond, if forfeited due to the Maid’s fault subject to an excess of $250
  1. If taken at policy inception
$53.50
$53.50
$53.50
  1. If taken within 3 months of policy inception. Subject to acceptance and Waiting Period of 30 days
$85.60
$85.60
$85.60
Add-on 2: Top-up Hospitalisation and Surgical Expenses (Section 4)
A choice to increase annual limit in increments of $5,000 to suit your needs, i.e. $5,000, $10,000, $15,000 or $20,000 up to the maximum equal to the existing Policy For Up to 26 Months or The Expiry Date of Policy whichever is earlier Top-ups are allowed for Policies issued within 3 months & subject to Insurer’s acceptance and a Waiting Period of 30 days
26 Months
Taken at policy inception
26 Months
Taken within 3 months
a. Add $5,000
$42.80
$64.20
b. Add $10,000
$64.20
$96.30
c. Add $15,000
$85.60
$128.40
d. Add $20,000 (For Ultimate-Plus only)
$107.00
$160.50
Add-on 3: Additional Benefits
  1. Daily Hospital Allowance, up to $600 ($20 per day, max 30 days)
  2. Alternative Maid Services, up to $600 ($20 per day, max 30 days)
  3. Ambulance Fees, up to $300
  4. Fidelity Guarantee, up to $2,000
26 Months
14 Months
$32.10
$21.40
Add-on 4: Dental Care Covers dental expenses (non-surgical and medically necessary) arising from tooth decay resulting in an oral cavity Maximum 2 teeth per Period of Insurance Excess of 20% for each and every claim Policy Period follows the main Plan Policy Period Waiting Period of 60 days if taken within 3 months of policy inception
26 Months
14 Months
a. $1,000
$321.00
$235.40
b. $3,000
$428.00
$321.00
Add-on 5: In-Hospital Psychiatric Care Covers psychiatric treatment by a registered psychiatrist as an inpatient in a hospital Policy Period follows the main Plan Policy Period Waiting Period of 60 days if taken within 3 months of policy inception
26 Months
14 Months
a. $3,000
$64.20
$42.80
b. $5,000
$80.25
$53.50
Premium is including GST except for Letter of Guarantee Only and Philippine Embassy Bond. The premium is calculated on 24 months’ period basis in line with the work permit period. We do not charge any premium for the additional two months’ grace period as required by MOM. This additional two months’ period cannot be transferred to the next work permit renewal or extension period. This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for this Policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AXA or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg).