Domestic Helper Insurance

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.

Hospitals will sometimes require a deposit when your maid is to be hospitalized. 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

- Singapore General Hospital

- Tan Tock Seng Hospital

- Sengkang General Hospital

To enjoy greater convenience during admission, you can request the LOG from Income 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 6616 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 6616 from Mondays to Fridays, 9:00am to 6:00pm.

For policies with start date before 1^st July 2023:

The limit for the LOG will be up to $15,000 and will be reduced when you have a previous claim in the same policy year. If you require an LOG for more than $15,000, please contact Income at 6788 6616. All requests will be subject to assessment.

For policies with start date on or after 1^st July 2023:

The limit for the LOG we may provide is up to a maximum of $60,000 per year depending on the actual total hospitalization expenses. If you require an LOG for more than $60,000, please contact Income at 6788 6616. 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 can apply for additional coverage for hospital and surgical expenses under your Domestic Helper Insurance policy at an additional premium when you apply for the policy. Please note that you will not be able to increase the hospital and surgical coverage for your helper after the commencement of the policy.

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.

Income will electronically transmit the Security Bond details to MOM from Monday to Friday at 7pm. 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.

You will not be entitled to any refund for cancellation of the Performance Bond.

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 pline@income.com.sg or submit to any of our branches.

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.

Once the policy has commenced, you may add the Security Bond Protector if your request is within 30 days of the start date of your policy. If you would like to add the additional hospital and surgical expenses or waiver of co-payment, please note that your upgraded plan will not cover any situation or medical condition that you were aware of (or could reasonably be expected to know) before the upgrade, that would give rise to a claim. 

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. Please note that you will not be able to opt for this waiver after your policy commences.

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 on the first page of your policy contract.

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 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 $15 (inclusive of GST) applies.

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. We will only provide cover for COVID-19 provided the Singapore’s Disease Outbreak Response System Condition (DORSCON) status is Green or at baseline state.

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.