Domestic Helper Insurance

Maid insurance premiums in Singapore are usually influenced by:

• Helper’s or confinement nanny’s age: Premiums are generally higher for helpers who are above 50 years old. As age increases, the likelihood of illness or injury may rise, leading insurers to charge higher premiums to account for the increased risk of claims.
• Policy duration: Longer term domestic helper insurance policies usually have higher upfront costs but often offer better value on a monthly basis.
• Level of coverage: Plans with higher benefit limits, broader coverage, or additional coverage such as add on for hospital and surgical expenses, waiver of co-payment, and MOM security bond protector will increase overall premium but can provide broader financial protection.

Yes, the hospital and surgical expenses will extend to cover specified communicable diseases which include Influenza A flu virus (H1N1), Hand Foot and Mouth Disease (HFMD) and Severe Acute Respiratory Syndrome (SARS).

This is an MOM requirement. MOM requires all insurance and bond to have an additional 2 months of cover so that in any event / reason the maid overstays in Singapore after her work permit has expired, she is still covered under the insurance.

For Income's Domestic Helper Insurance policy, we charge the premium for a 12 or 24 month period only. We do not charge any additional premium for the additional 2 months of cover.

Our maid insurance plans cover pre-existing medical conditions. If your maid had been working as a foreign domestic worker in Singapore for more than 12 months in a row, Income’s Domestic Helper Insurance will cover her for hospitalisation for her pre-existing medical conditions⁴.

Yes, your helper is covered if she is injured while carrying out household duties. Income’s Domestic Helper Insurance provides personal accident and outpatient medical expense coverage across all plan types, with the highest coverage under the Enhanced plan.

Under the Enhanced plan, we provide $80,000 personal accident coverage⁵ if your helper suffers accidental death or accidental permanent disability within 12 months from the date of accident. 

We also cover $3,000 per policy for outpatient medical expenses due to injury if no hospitalisation is required. If hospitalisation is required, we will pay $35 per day, up to 30 days, if your helper is hospitalised or on hospitalisation leave and you have not had domestic services carried out by her because she is in hospital.

In addition, you can enjoy preferential rates for medical consultations via the MediPass² app.

Our maid insurance does, during the period of insurance, cover your domestic helper if she is legally responsible for accidentally:

a) injuring someone; or

b) damaging or causing loss to someone else's property while performing her duties as a foreign domestic helper in Singapore.

We will pay:

a) the legal costs and expenses for representing or defending your domestic helper; or

b) the amount awarded against your domestic helper by the court in Singapore, up to the maximum amount as shown in the relevant section of your policy schedule.

Under Income’s Standard or Enhanced Plan, wages compensation is available for up to 30 days for the period your helper is hospitalised or on hospitalisation leave and you have not had domestic services carried out by her because she is in hospital.

All Income’s Domestic Helper Insurance provides coverage for the following benefits:

1. Sending your domestic helper home

If your domestic helper suffers permanent disability, serious sickness, or serious injury which prevents her from carrying out her duties as a foreign domestic worker, we will pay for the reasonable economy-class transport expenses (air, sea or land travel) needed to send your domestic helper back to her home country.

In addition to the benefits mentioned above, Income’s Standard or Enhanced Plan also provides the following:

2. Expenses if you have to stop employing your domestic helper

If you terminate your domestic helper’s employment because she is suffering from a serious sickness or serious injury, we will pay up to the maximum amount shown in your policy schedule for:

a) the expenses charged by the employment agency for termination of your domestic helper’s employment; and

b) the costs of engaging a temporary helper or cleaning service within 30 days of the termination of your domestic helper’s employment.

Your helper will be covered for the Hospital and Surgical Expenses incurred as an inpatient in a hospital, up to the Hospital & Surgical Expenses benefit limit.

Please refer to Section 7(j) of the policy for more details. 

Yes, pro-ration fee applies for stay in private hospitals. 

Please refer to Section 7(j) of the policy for more details. 

MediPass is a free membership program offered exclusively to our policyholders who have purchased domestic helper insurance, including their family members and helpers. This program is offered through our appointed service provider known as My-Insurer Pte Ltd.

Upon successful issuance of the policy, you will be entitled to an exclusive link to download the MediPass mobile application and sign up as a member of MediPass. This exclusive link can be found in the email you received together with your policy document. 

You will need to provide your name, contact details and date of birth for the purpose of registration as a member of MediPass. This is to allow MediPass to verify patients accurately when they make a booking.

MediPass can be extended to your family members and helpers. They will need to sign up as a member of MediPass using the exclusive link provided in the email you received together with your policy document. 

MediPass provides affordable and reliable healthcare services to its members in Singapore. Members enjoy a host of benefits including preferred rates for health services that range from general and specialist practitioners, teleconsultation, dentists to health screenings at panel clinics.

Members will enjoy preferred rates for the compulsory Foreign Domestic Worker Medical check-up due every 6 months for their helpers. MediPass can assist members to find their preferred clinics for their helpers to undergo the compulsory health screening.  

Members will need to use the MediPass mobile application to make an appointment booking by providing the necessary details asked and received a confirmation on the booking.

You may contact MediPass at +65 9738 5893 during these hours: 

Monday to Friday: 8:30am - 7:00pm

Saturday, Sunday and Public Holidays: 10:30am - 4:00pm

Some of the information that you need to provide include the following: 

1) MediPass Membership ID,

2) Type of appointment or clinic, 

3) Which services you need, 

4) Preferred date and time, and  

5) Income Domestic Helper Insurance Policy Number 

MediPass may require more information to facilitate the booking.  

Payments for the health service rendered are to be made directly to the clinic.

Please visit the A&E of a restructured hospital in the event of an emergency that requires immediate medical attention.

If it is not an emergency, member may use the teleconsultation service which is available 24 hours. A consultation fee of $12 (inclusive of GST) applies.

Hospitals will sometimes require a deposit when your maid is to be hospitalised. As part of your Income Domestic Helper Insurance’s hospital and surgical expenses coverage, Income can provide a Letter of Guarantee, subject to the policy conditions, so that you do not need to place the cash deposit.

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

- Sengkang General Hospital

- Singapore General Hospital

- Tan Tock Seng Hospital

- Woodlands Health

To enjoy greater convenience during admission, you can request the LOG from Income at Send an Enquiry | Income Insurance or the Admission Office at the hospital within 7 days before admission. The LOG will be generated the next working day. For assistance, please contact Income at 6788 1777 from Mondays to Fridays, 9:00am to 6:00pm.

Yes, you can request the LOG from Income or the Admission Office at the hospital. The LOG will be generated the next working day. For assistance, please contact Income at 6788 1777 from Mondays to Fridays, 9:00am to 6:00pm.

The limit for the LOG we may provide is up to a maximum of $60,000 per year depending on the actual total hospitalisation expenses. If you require an LOG for more than $60,000, please contact Income at 6788 1777. All requests will be subject to assessment.

If the hospital deposit exceeds the LOG amount, the hospital may ask you for partial payment of the deposit. Hospitals also have the right to request for payments as required by their internal practices even if the LOG is presented.

No, LOG does not apply to outpatient treatments. It is only applicable to hospitalisation & surgery (inpatient) treatments.

No, the issuance of the LOG does not mean that Income approves or admits any claim made or any claim amount payable (if at all) under the Domestic Helper Insurance policy. The claim will still be subject to claim assessment by Income.

Yes, you will need to complete and submit the Domestic Helper Insurance claim form and the relevant supporting documents to Income. Upon receipt of the documents, the claim will be assessed. If the claim is approved, Income will make payment of the LOG amount to the hospital directly. If the claim is partially approved or rejected, you will have to make prompt payment to the hospital for any outstanding amount.

No, you will need to purchase the insurance package as the $5,000 Security Bond to MOM is not sold separately.

The $5,000 Security Bond to MOM that you purchase with Income only allows us to act as a guarantor by providing a Letter of Guarantee to MOM on your behalf. This frees you from the need to pay the $5,000 cash up front to MOM when you are applying for a domestic helper.

If you or your domestic helper breaches the rules and conditions set by MOM, MOM will call for the bond from Income and we will recover it from you.

You can take up our Security Bond Protector add-on. It will limit your liability on the $5,000 Security Bond to MOM to $250 instead. This is provided that the breach of the $5,000 Security Bond is not due to your negligence or fault.

This is an optional add-on and you will need to pay an additional premium for it.

Yes, you can as long as this Security Bond Protector is added in within the first 30 days from the start date of your Domestic Helper Insurance policy.

You may add on a waiver of co-payment to your Domestic Helper Insurance policy at an additional premium when you apply for the policy. 

You can apply for additional coverage for hospital and surgical expenses under your Domestic Helper Insurance policy at an additional premium. Your upgraded plan if approved by us, will not cover any situation that you were aware of (or could reasonably be expected to know) before the upgrade, that would give rise to a claim.

The applicable pro-ration factor is 50%.

Outpatient Medical Expenses due to Injury benefit will cover any outpatient treatment medical bills incurred due to accidents only. For example, your helper accidentally cuts her hand while cooking and requires stitches.

The Hospital and Surgical Expenses benefit will only cover inpatient treatment medical bills incurred for both accidents and illnesses. This is provided that the illness is not a pre-existing medical condition before the effective date of cover, unless your helper has been working in Singapore for more than 12 months.

Yes, you are covered for outpatient treatments provided that they are a result of accident. This is subject to a maximum limit of $2,000.

Yes, your helper is covered as our insurance provides worldwide accident coverage. The sum insured depends on the chosen plan. The sum insured under the Enhanced plan is up to $80,000 for both Accidental Death and Permanent Disability, and up to $3,000 for Medical Expenses. There is also a Special Grant of $3,000 given to the helper's legal personal representative.

Yes, domestic helper insurance must be bought before your helper arrives in Singapore. This is required by MOM as part of the pre-arrival process (together with the security bond). Valid insurance must be in place before the Work Permit can be issued. Otherwise, MOM will not approve or issue the Work Permit.

Foreign domestic worker insurance in Singapore is mandatory. Employers are required to purchase medical insurance for inpatient care and day surgery with an annual claim limit of at least $60,000 per year and personal accident coverage with a sum assured of at least $60,000 for their helper.

You can make a payment depending on your activation method:

*Please allow 7 days for cheque clearance before we issue the policy and transmit it to MOM.

Income will electronically transmit the Security Bond details to MOM from Monday to Friday at 6pm. For policies issued on Saturday before 1pm, they will be transmitted to MOM on the day itself. Otherwise, the policies will be transmitted to MOM on the following Monday or working day. For cheque payment, the electronic transmission to MOM will only be done upon cheque clearance.

For new/transfer cases, your policy / guarantee details will be transmitted to MOM within 14 days of the policy effective date.

You should note that the electronic transmission to MOM needs to be done before arrival of your helper to Singapore, otherwise Immigration and Checkpoints Authority will deny your helper’s entry and she will be sent back to her home country.

We will issue your Domestic Helper Insurance policy if your application is in order. The policy / security bond details will be transmitted to MOM and you can only proceed on the next day upon successful transmission to do e-Renewal or e-Issuance of your domestic helper's work permit.

If the policy / guarantee details have been transmitted to MOM but the policy has not commenced (i.e., before the start date of the policy), you may visit any of Income branches to make the amendments together with the Security Bond Form (Chapter 91A). However, the amendment status is subject to approval by MOM.

You may add the Security Bond Protector if your request is within 30 days of the start date of your policy. Your upgraded plan if approved by us, will not cover any situation that you were aware of (or could reasonably be expected to know) before the upgrade, that would give rise to a claim.

You must cancel your helper's work permit on the MOM website so that MOM will discharge our liability under the security bond.

We will cancel your policy from the date we receive the discharge letter from the Ministry of Manpower unless benefit 9 - Security bond to Ministry of Manpower, does not apply to your domestic helper in which case we will cancel the policy from the date we receive your notice of cancellation.

For the Domestic Helper Insurance, you will be entitled to the refund amounts as stated under the Cancellation and refund clause in the policy contract. This is provided that your Domestic Helper Insurance policy is cancelled within 365 days for policies with period of insurance of at least 26 months and cancelled within 180 days for policies with period of insurance of less than 26 months.

For cancellation of policy because your helper is unable to come into Singapore, please forward a copy of the IPA Cancellation Letter to [email protected] or submit to any of our branches.