Domestic Helper Insurance Claims

When your maid is admitted to a hospital, the hospital may require a cash deposit before treatment or admission can proceed.

Under the benefit of your Domestic Helper Insurance policy, Income may issue a Letter of Guarantee (LOG), subject to the policy terms and conditions. The LOG serves as a guarantee to the hospital for eligible medical expenses up to the approved LOG limit, allowing admission or treatment to proceed without the required cash deposit upfront.

The LOG is generally used for inpatient hospitalisation or surgery and is subject to:

• Policy coverage and eligibility.
• The available LOG limit under the policy; and
• Income's assessment and approval of the LOG request.

Please note that the LOG is issued to facilitate hospital admission and treatment. It does not automatically constitute a claim approval nor guarantee payment of the medical expenses incurred. All claims will be assessed in accordance with the policy terms, conditions, limits, and exclusions.  Only eligible expenses that are covered under the policy will be payable.

LOG is only applicable to the following Singapore public hospitals:

• Alexandra Hospital
• Changi General Hospital
• Khoo Teck Puat Hospital
• KK Women's and Children's Hospital
• National University Hospital
• Ng Teng Fong General Hospital
• Singapore General Hospital
• Tan Tock Seng Hospital
• Sengkang General Hospital
• Woodlands Health
• Singapore National Eye Centre
• National Cancer Centre

You may request the LOG from the Admission Office through the hospital’s Admission Office within 7 days before the scheduled admission. If approved, the LOG will be generally issued by the next working day.

Alternatively, you may request for LOG directly via our website: Send an Enquiry | Income Insurance

Yes. You may request a LOG through the Admission Office at the hospital after your maid has been admitted.

The LOG limit is up to $60,000 or $80,000 depending on your plan. The amount available may be reduced if:

• There has been a previous claim within the same policy year; or
• If the policy is subject to a co-payment.

 The final LOG amount will be based on the remaining benefits available under the policy.

If the hospital deposit is higher than the approved LOG amount, you may need to pay the difference.  Hospitals may also require payment based on their own admission policies, even when the LOG is presented.

No. The LOG is only applicable for inpatient hospitalisation and surgical treatments. It cannot be used for outpatient treatments.

For outpatient medical expenses, you will need to:

1. Pay the medical bills upfront.
2. Keep the original bills and payment receipts.
3. Submit the claim with the required supporting documents for assessment and reimbursement, subject to the policy terms and conditions.

No. The LOG is issued to facilitate hospital admission and treatment. It does not mean the claim has been approved or that payment is guaranteed under the policy.

All claims are subject to assessment based on the policy terms, conditions, exclusions, and supporting documents provided.

The final claim decision, including whether the claim is payable and the amount payable (if any), will only be determined after we have completed its claim assessment.

Yes. You will need to complete and submit the Domestic Helper Insurance Claim Form together with the relevant supporting documents to us via our online claim portal for claim assessment.

Upon receipt of the required documents, we will assess the claim in accordance with the policy terms and conditions.

• If the claim is approved, we will pay the approved LOG amount directly to the hospital.
• If the claim is partially approved, you will be responsible for paying any amount that is not covered under the policy.
• If the claim is rejected, you will be responsible to pay the outstanding hospital charges directly to the hospital.

Please note that the issuance of a LOG does not constitute approval of the claim. All claims remain subjective to our assessment and the applicable policy terms and conditions apply.

Yes. The Domestic Helper Insurance Policy provides 24-hour worldwide accident coverage, including while your domestic helper is on home leave overseas. If your maid dies because of an accident during home leave, you may submit a claim under the policy, subject to the policy terms and conditions.

No. Expenses incurred for routine medical check-ups, health screenings, preventive care, or medical examinations are not claimable under the Domestic Helper Insurance policy.

The policy covers:

• Outpatient medical expenses incurred as a result of an injury; and
• Hospitalisation expenses incurred as a result of an injury or sickness.

As routine health screenings are not related to the treatment of an injury or sickness, the expenses are not covered under the policy. Claims remain subject to the policy terms, conditions, and exclusions.

Yes. Medical expenses incurred for treatment by a Traditional Chinese Medicine (TCM) practitioner are claimable, provided that:

• The injury was caused by an accident.
• The TCM practitioner is registered and holds a valid practising certificate; and
• The treatment is medically necessary for the injury sustained.

The policy covers up to $100 per accident for TCM treatment, subject to the policy terms, conditions, and exclusions.

Please submit the relevant medical bills, receipts, and supporting documents when making a claim.

View list of registered TCM practitioners

Yes. You may make a claim under Hospital & Surgical Expenses, provided that:

• The day surgery is recommended in writing by a medical practitioner; and
• The surgery is required as a result of an injury, sickness, or disease covered under the policy.

Please note that if the day surgery is performed in a private hospital in Singapore, the claim payment will be subject to pro-ration. The amount payable will be determined by applying the applicable pro-ration factor to the eligible expenses incurred.

All claims are subject to the policy terms, conditions, limits, and exclusions. Please submit the relevant medical reports, bills, receipts, and supporting documents when making a claim.

No, you will not be able to claim for such hospital bills as our Domestic Helper Insurance policy excludes any claim resulting from pregnancy and childbirth.

Yes. You may claim for the pro-rated wages, including the government levy on foreign domestic workers, for a period of up to 30 days while your maid is hospitalised.

This benefit is payable only if the hospitalisation claim is approved under the policy. In other words, the hospitalisation must be due to an injury or illness covered by the policy and meet all applicable policy terms and conditions.

Please submit the relevant supporting documents, including proof of hospitalisation and wages paid, when making a claim. Claims are subject to the policy terms, conditions, limits, and exclusions.

Yes. You may make a claim for the reasonable transportation expenses required to repatriate your maid’s remains to her home country in the event of her death due to bodily injury or sickness, subject to the policy terms and conditions.

Covered expenses may include the cost of transportation by air, sea, or land, up to the applicable limit stated in the policy contract.

Please submit the relevant supporting documents, such as invoices, receipts, death certificate, and any other documents required for claim assessment. All claims are subject to the policy terms, conditions, limits, and exclusions.