Hiring a maid makes you legally liable for the health and safety of your helper. MOM has mandated Maid Insurance as one of the basic requirements to be fulfilled.
Why should I buy Maid Bond Package Policy?
Hiring a maid makes you liable for a security bond of S$ 5000 as per Employment of Foreign Manpower (Work Passes) regulations in Singapore. It is a binding pledge to pay the government if either you or your helper breaks the law or Work Permit conditions. Additionally you become responsible for the health and safety of the maid therefore, applying for maid bond insurance provides protection to both you and your helper.
Coverages of the policy mentioned as below:
- Death/Permanent Disability
- Outpatient medical expense
- Treatment by Traditional Chinese Medical Practitioner (TCM)
- Treatment for Dengue fever
- Hospital and Surgical Expenses (Maid’s Health Insurance)
- Wages and levy reimbursement
Am I Eligible?
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Resident of Singapore
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Holds NRIC or FIN
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Employs helper/maid
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Alternative Domestic Health benefit
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Repatriation expense
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Termination / Re-Hiring Expenses
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Maid's Personal Belongings
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Insurance Bond to Philippines Embassy
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Bereavement Expenses
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Waiver of Counter Indemnity for Insurance Guarantee to MOM
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Domestic Maid Liability
What are the basic documents required?
- A copy of the in principle approval letter/Renewal letter from the Work Permit Department of MOM
- Copy of the first page of the passport of the Foreign Domestic maid showing the name, passport no. and photograph
- Copy of NRIC (both sides) of the employer
- ***(If required additional documents may be asked for)
Ensure Peace of Mind for You and Your Helper with Maid Bond Package Policy
India International InsuranceHow much should I cover for?
| Cover | Standard | Enhanced |
|---|---|---|
| Insurance Guarantee to Ministry of Manpower (MOM) | S$ 5,000 | |
| Accidental Death or Permanent Disablement | S$ 60,000 | S$ 60,000 |
| Outpatient Medical Expenses | S$ 1,250 | S$ 2,500 |
| (i) Treatment by TCM | S$ 150 | S$ 300 |
| (ii) Treatment for Dengue Fever | S$ 150 | S$ 300 |
| Hospital and Surgical Expenses (max per year) | S$ 15,000 | S$ 20,000 |
| Wages and Levy reimbursement (Upto S$ per day max for 60 days) | S$ 30 | S$ 50 |
| Alternative Domestic Help Benefit (Upto S$ per day max for 60 days) | S$ 30 | S$ 50 |
| Repatriation Expenses (Upto S$) | S$ 10,000 | |
| Termination / Re - Hiring Expenses | S$ 250 | |
| Maid's Personal Belongings (Upto S$) | S$ 250 | |
| Domestic Maid Liability | S$ 5,000 | |
| Bereavement Expenses | S$ 2,000 | |
| Waiver of Counter Indemnity for Insurance Guarantee to MOM | Optional | |
| Insurance Bond to Philippines Embassy | Optional | |
There are some minimum limits defined by MOM. We have the following plans for you
What is not covered?
- Any breach of your helper’s work permit or work permit conditions as provided for by the Singapore Ministry of Manpower
- Willful participation by you, your family, or your helper in any act that is reckless or illegal
- You, your family, or your helper, not taking all reasonable precautions to safeguard her or herself against any illness or injury, or others against any injury
- Mental, psychological or psychiatric disorders
- Any suicide, attempted suicide or any self-inflicted injury by your helper, or any attempt by your helper to cause self-inflicted injury
- Pregnancy, infertility, contraception, sterilization, sexual dysfunction, miscarriage, menopause, childbirth, abortion or any complications arising from these conditions, suffered by your helper
- Intoxication by alcohol or drugs that are not prescribed by a medical practitioner. Consequences of war, riot, revolution, or any similar event
- Sexually transmitted infections, human immunodeficiency virus (HIV) or any HIV- related illness including acquired immune deficiency syndrome (AIDS) or any mutant derivatives or variations of this no matter how they are caused
How much do I have to pay?
We charge a nominal premium, depending the on the selection of plan as mentioned above. It will take only 30 seconds for you to calculate your own premium, please click below we are almost there
Still have queries on our insurance policies?
We are eager to resolve your queries. Kindly direct all queries to our mail at pncuw@iii.com.sg OR click the "Make an enquiry" button below.