15 December, 2025
Why Maid Insurance Is Required: MOM Guidelines Explained
Hiring a foreign domestic worker (FDW) or maid in Singapore comes with responsibilities that go beyond just providing accommodation and a salary. One crucial requirement is maid insurance, which is mandated by the Ministry of Manpower (MOM). In this article, we break down why maid insurance is required, what the MOM guidelines entail, and how it protects both employers and domestic workers.
What is Maid Insurance?
Maid insurance is a specialized policy that provides coverage for foreign domestic workers (FDWs) employed in Singapore. This insurance protects against medical expenses, personal accidents, and other unforeseen circumstances that may occur during the helper's employment period.
Having domestic helper insurance ensures that both the employer and the worker are protected financially against unexpected events.
MOM Guidelines on Maid Insurance
The Ministry of Manpower requires every employer of a foreign domestic worker to have valid insurance for the entire duration of the helper's employment. This is not optional but a legal obligation that must be met before the work permit is issued and upheld throughout the contract.
Minimum Coverage Requirements
According to MOM guidelines, the insurance policy must provide at least $60,000 in medical and personal accident coverage. This includes hospitalization, surgical procedures, and treatment for injuries sustained while working or during personal time. The policy must remain active for the entire duration of the helper's work permit.
Medical Coverage Details
The medical component covers illnesses and injuries requiring treatment, including hospitalization costs, surgical expenses, and outpatient care. Employers must ensure their policy meets the minimum threshold to comply with MOM regulations and adequately protect their helper's health needs.
Key Components of MOM-Compliant Maid Insurance
A compliant maid insurance policy must cover specific scenarios and meet minimum standards set by the Ministry of Manpower.
Personal Accident Coverage
This component provides compensation for accidental injuries, disability, or death occurring during employment. Coverage applies both during work hours and personal time, ensuring comprehensive protection throughout the helper's stay in Singapore.
Medical and Hospitalization Benefits
The policy must cover medical expenses arising from illness or injury, including emergency treatment, hospitalization, specialist consultations, and prescribed medications. Some policies offer enhanced coverage beyond the minimum requirements.
Repatriation Coverage
Many comprehensive policies include repatriation benefits, covering costs associated with sending the helper home in case of medical emergencies, contract termination, or other circumstances requiring return to their home country.
How to Choose The Right Maid Insurance?
When selecting a policy, consider the following factors:
1.
Coverage Amount: Ensure it meets of exceed MOM’s minimum coverage limit.
2.
Policy Type: Some policies cover only hospitalization, while others include outpatient care and personal accidents.
3.
Claim Process: Choose an insurance provider with a smooth and quick claims process.
Conclusion
Maid insurance is more than a legal requirement. It is a safety net that protects both employers and foreign domestic workers in Singapore. By following MOM guidelines and choosing the right insurance plan, employers can enjoy peace of mind, financial protection, and full compliance with the law.
Securing maid insurance today protects the well-being of your domestic worker and helps you avoid unexpected costs in the future. If you are interested in maid insurance, contact us to request a quote and get started.