Best Maid Insurance Promotions and Discounts (September 2023)

Your domestic helper also needs protection as she holds down the fort at home. Here are the top maid insurance promos and discounts in Singapore.

Best Maid Insurance Plans in Singapore on SingSaver

• HL Assurance Maid Protect360 - Best for flexible coverage
• TIQ eProtect Maid Plan A - Best for the budget-conscious employer
• FWD Maid Insurance Essential Plan - Best for all-around value
• MSIG MaidPlus - Best for maximum employer protection
• Great Eastern GREAT Maid Premier - Best for well-rounded protection

If you are planning to hire a foreign domestic helper in Singapore, it is compulsory for you to buy medical and personal accident insurance—also known as maid insurance—before she steps foot in the country. The idea is being able to compensate her or her family should a tragedy occur.

This is a Ministry of Manpower (MOM) requirement, and you cannot pass on these costs to her. You can read the full details about what goes into a maid insurance plan (and what to look out for) in our comprehensive guide here.

But if you are already up to speed on all the details and just want to find the best maid insurance plan for you, then read on to learn about our top choices for maid insurance promotions.

Maid Insurance Plan	Highlight	Promotion
HL Assurance Maid Protect360 Apply Now	Offers 4 different variations for medical and personal cover.  Flexible coverage for the employer, in terms of termination, rehiring expenses and wage compensation.	NA
TIQ eProtect Maid Plan A Apply Now	One of the cheapest maid insurance plans on the market that meets all of the MOM’s requirements	Use promo code TIQSINGSAVER to get 33% off when you apply now. Valid till 30 Sep 2023. T&Cs apply.
FWD Maid Insurance Essential Plan   Apply Now	100% money back if you cancel your plan within the first 3 months Pays the MOM security bond (up to S$5,000) without additional payments from the employer.	Use the promo code ENDSEP to receive a 15% discount on your Essential plan. Valid till 30 Sep 2023. T&Cs apply COVID-19 coverage & repatriation expenses for your helper are available as an optional rider for S$55.
MSIG MaidPlus Apply Now	Offers employer’s liability as an optional add on, coverage amount ranges from S$300,000 to S$1,000,000	Get 20% off when you apply now. Valid till 31 October 2023. T&Cs apply. Premiums shown exclude COVID-19 cover. For applications including COVID-19 cover, prices start from S$331.70 (before discount).
Great Eastern GREAT Maid Premier Apply Now	Up to S$60,000 for death or permanent disablement Up to S$10,000 for repatriation Up to S$90,000 for medical expenses including hospitalisation and surgical expenses, overseas medical emergencies and communicable diseases such as COVID-19 Up to S$3,000 outpatient medical expenses Up to S$50,000 for employer’s liability to domestic maid for injuries or disease sustained, with up to another S$50,000 against claims from third party due to her negligence Fidelity guarantee for up to S$5,000	N/A
AIG Domestic Helper Insurance Apply Now		Enjoy S$70 PayNow when you apply NOW. Valid till 30 Sep 2023. T&Cs apply.

HL Assurance: The most flexible coverage

HL Assurance’s Maid Protect360 is a good choice for the well-meaning employer looking to maximise the types of coverage available for their maid. It is extremely flexible, with four different variations depending on how much medical and personal cover you want to provide.

For one, the basic plan covers S$1,000 in medical expenses and S$30,000 in hospital and surgery expenses. For the most premium exclusive plan, these figures increase to S$4,000 and S$80,000, respectively. There is also variable coverage for ambulance fees and types of medical treatments (e.g. physiotherapy). The same goes for cover for the maid’s personal belongings, which can range from nil to S$3,000.

The flexible coverage also extends to the employer for termination and rehiring expenses as well as wage compensation. These can range from S$200 and nil for the basic plan to S$600 and S$60 per day for the exclusive plan.

TIQ: For the budget-conscious employer

TIQ’s—Etiqa’s digital channel—eProtect Maid Plan A is one of the cheapest, if not the cheapest maid insurance plan on the market. If you need to carefully manage all your expenses, then this plan might be best for you. The most basic plan, Plan A, meets all of the MOM’s stipulations, and still goes above and beyond in some aspects, such as the S$5,000 third-party liability coverage, wage reimbursement, and even compensation for alternative maid services (albeit at a much lower amount).

It also has physical abuse cover, which provides up to S$5,000 in benefits should the maid physically abuse the employer’s child, handicapped person, or senior citizen. You can also opt for the slightly more premium Plan B and Plan C, which give higher coverage amounts almost across the board. On the optional side, employers may also be interested in the home cover, which covers you in the event of fire, burglary, or theft by the maid, and even a hospitalisation and surgical expenses coverage in the event the maid has Covid-19.

FWD: All-round value

FWD’s Maid Insurance – Essential Plan is a great choice for employers looking for a mid-tier, well-rounded option that is also customisable. One of its most attractive features is its 100% money back policy if you cancel your plan within the first three months. You can essentially ‘test drive’ it for three months at zero risk to yourself.

Another big draw is its security bond plus feature. It is the only insurer that pays the MOM the security bond (up to S$5,000) without you needing to make any additional payments. The plan also provides medical coverage even for pre-existing conditions at no additional cost, another big plus.

That said, the third-party liability cover starts at the lower end at S$3,000 for the essential plan. However, this can always be upgraded and cover up to S$5,000 if you so choose. Other optional benefits include cashless outpatient medical expenses (above S$10 and up to S$30 for its network of clinics only) and a benefit that covers mandatory medical examinations.

You can read our full review of FWD Maid Insurance here.

MSIG: Maximum employer protection

MSIG’s MaidPlus is not the cheapest maid insurance plan. Much like its other insurance products, MSIG prices itself toward the upper end of the spectrum. But for its above-average price, it delivers way-above-average value, especially to the employer.

The standard maid insurance coverages—S$60,000 per year in personal accident benefits, S$15,000 per year for hospital/surgery expenses, S$5,000 third-party liability coverage, termination and repatriation expenses—are all there. But MaidPlus steps it up by providing replacement maid expenses (S$500), alternative domestic help benefits for if your maid is in the hospital (S$50 per day, above the market standard) as well as cover for your maid’s personal belongings of up to $500.

While its standard plan is already quite comprehensive from the employer’s perspective, it is in the optional add-ons where MaidPlus truly shines. Many employers are interested in the employer’s liability cover, which protects them in the event their maids decide to sue them. This coverage amount starts at S$300,000 and can reach up to S$1,000,000. For the liability-conscious employer, this is a perfect add-on to an already employer-focused plan.

Great Eastern: Providing you and your helper with the ideal maid protection plan

Great Eastern's GREAT Maid Premier offers four tiers of protection - Nanny, Silver, Gold and Platinum.

source: Great Eastern

The biggest enhancement is up to S$90,000 comprehensive medical reimbursement for hospital and surgical expenses worldwide, under the Platinum plan. 

As the name implies, the Nanny Plan is for confinement ladies. For Nanny and Silver plans, if the total amount of hospital and surgical expenses you claim is more than $15,000 in a policy year, you must pay a co-payment as shown in the table below.

An overview of the coverage 

• Up to S$500 for termination and rehiring processes
• Up to S$50,000 coverage for your liability to your domestic maid
• Up to S$50,000 coverage for liability to third parties
• Up to S$5,000 for fidelity guarantee
• Up to S$60,000 for death and permanent disablement
• Up to S$300 for domestic maid effects
• Up to S$90,000 for medical expense coverage

If you terminate the plan within 60 days, there is an administrative fee of S$25 before 80% of the premium paid will be refunded. Do note that the percentage of refund decreases significantly as the cancellation period goes beyond 60 days. 

Which is the Best Maid Insurance Plan for You?

If you want to hire a maid, there’s no getting around having to get a maid insurance plan. But with so many options on the market, it can be hard to narrow it down. Check out our handy maid insurance comparison to help you make the best choice and enjoy the best maid insurance promotions.

Protected up to specified limits by SDIC.

Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

Read These Next:
Hiring Indonesian, Filipino And Indian Maids In Singapore: The Difference In Cost
7 Most Reliable Maid Agencies In Singapore
Maid Insurance: What To Look Out For and How To Find the Best Plan?
Step-By-Step Guide to Hiring a Maid Without an Agency in Singapore
How MSIG’s Maid Insurance Plan Can Minus Your Domestic Helper Woes