Protect your Helper.
Protect your Peace of Mind.
Compare top-rated, MOM-compliant Foreign Domestic Worker (FDW) insurance plans in Singapore. Find exclusive promo codes, deep discounts, and comprehensive coverage instantly.
Compare Plans from Leading Insurers
FWD Insurance
FWD is a pan-Asian insurer focused on making insurance simple, faster, and smoother. Their maid insurance plans offer comprehensive coverage with highly attractive online discounts.
Essential
Enhanced
Exclusive
Essential
Enhanced
Exclusive
HL Assurance
HL Assurance provides affordable maid insurance with flexible plans. Their coverage includes strong medical expenses, personal accident, and third-party liability protections. The promotion is available until 30 September 2026, offering an extra S$30 discount in addition to the existing 22% discount.
Basic
Enhanced
Premier
Exclusive
Basic
Enhanced
Premier
Exclusive
Income Insurance
Income Insurance is one of Singaporeās leading and most trusted composite insurers, offering affordable and highly comprehensive maid insurance with frequent promo codes.
Basic
Standard
Enhanced
Basic
Standard
Enhanced
Tiq Maid insurance by ETIQA
Tiq Maid Insurance by Etiqa is a comprehensive Foreign Domestic Worker (FDW) insurance plan in Singapore.
Plan A
Plan B
Plan C
Plan A
Plan B
Plan C
India International Insurance
India International Insurance (III) offers highly reliable, no-frills maid insurance plans with competitive pricing and straightforward coverage for cost-conscious employers.
Standard
Enhanced
Standard
Enhanced
MSIG Insurance (Singapore) Pte. Ltd.
MSIG Insurance (Singapore) Pte. Ltd. is a leading general insurer in Singapore offering comprehensive maid insurance coverage for employers and domestic helpers.
Standard
Classic
Premier
Ministry of Manpower (MOM) Guidelines Explained
Before employing a Foreign Domestic Worker in Singapore, employers are legally required to purchase medical and personal accident insurance. Here is what you must know:
Medical Insurance
Mandatory minimum coverage of S$60,000 per year for inpatient care and day surgery expenses during your helper's stay in Singapore.
Personal Accident
Minimum coverage of S$60,000 per year to protect your helper and her family in the event of sudden, unforeseen accidents resulting in permanent disability or death.
Why Upgrade?
Basic plans cover MOM minimums. Enhanced plans cover outpatient expenses, dental, wage compensation, and third-party liabilityāsaving you thousands in unforeseen events.
Maid Insurance in Singapore
Domestic helper insurance (maid insurance) is essential protection for Singapore employers who hire foreign domestic workers. This specialised coverage safeguards both employers and their domestic helpers against unexpected medical expenses, accidents, and liability claims.
Maid insurance is mandatory under Singapore's Ministry of Manpower (MOM) regulations. Every employer must secure adequate domestic helper insurance before their helper arrives in Singapore. Official MOM guidelines
Types of Domestic Helper Coverages
Hospitalization
Inpatient care, surgery, and medical treatments as required by MOM.
Personal Accident
Coverage for accidental death, permanent disability, and injury.
Outpatient Med
Clinic visits, GP consultations, and follow-up treatments.
3rd Party Liability
Protection if your helper accidentally causes injury or property damage.
Step-by-Step Process for Insurance
Find via licensed maid agencies or hire directly.
Employers or employment agents can apply online through MOM. Outcome is usually released within a week.
Purchase a maid insurance policy that meets MOMās requirements. Submit details to MOM so your helperās work permit can be approved.
Coordinate travel arrangements and accommodation in designated cities for training or stopovers en route to Singapore.
As per MOM requirements, your domestic helper must undergo a medical examination within 14 days of arrival.
Upon successful medical examination, your helperās work permit will be officially issued by MOM.
Frequently Asked Questions
Clear answers to help you make an informed decision.
Most insurance providers do not activate coverage immediately after purchase.
If you purchase insurance today (15-09-2026):
- Income Insurance generally requires a 3-day waiting period. Coverage is expected to start from 18-09-2026.
- FWD Insurance generally requires a 5-day waiting period. Coverage is expected to start from 20-09-2026.
Please note that the insurance start date does not mean the security bond is immediately available. After the policy becomes active, the insurance provider must link the security bond to MOM.
Once the Work Permit is cancelled, MOM will issue a discharge letter to both you and the insurance provider.
You will be entitled to a prorated refund based on the remaining insurance coverage period. Process typically takes 2 to 4 weeks.
Yes, maid insurance plans generally provide a Letter of Guarantee (LOG) to MOM in place of the S$5,000 upfront cash security bond.
However, the Waiver of Counter Indemnity (WCI) is not included in all insurance plans. For some insurers, it is only available under selected plans, while for others it is offered as an optional add-on.
All Insurers at a Glance
About FDWInsurance.com
šøš¬ fdwinsurance.com is an independent educational and insurance comparison resource for employers of Foreign Domestic Workers (FDWs) in Singapore. We are not affiliated with the Ministry of Manpower (MOM), any government agency, or any insurance provider. We strive to keep our information, pricing, and promotional codes up to date; however, insurance premiums, coverage, waiting periods, policy terms, and promotional offers may change without notice. Please verify all information directly with the respective insurer before making a purchase decision.
The information provided on this website is for general informational, educational, and comparison purposes only. FDWInsurance aims to help employers understand and compare Foreign Domestic Worker (FDW) insurance plans available in Singapore, including premiums, promotional offers, coverage options, and additional benefits offered by different insurers.
The information provided on this website is for general informational and comparison purposes only and should not be considered financial, legal, or insurance advice. Always review the insurer's official policy wording, terms, conditions, exclusions, and benefits before purchasing any insurance product.