Best Maid Insurance in Singapore 2021

Maid insurance is a mandatory insurance policy for your FDW that provides medical, personal accident and liability coverage. Below, you can compare the best FDW insurance policies that our insurance experts found after thoroughly analysing the 50 policies currently available in Singapore based on price and level of coverage.

Best Value for Money Plans
  • FWD Essential: Best value for money plan; provides great medical coverage
  • MSIG MaidPlus Classic: High value option for medical coverage; hospitalisation benefit is 55% greater than average
  • Etiqa Plan B: Great option for generally healthy FDW's; premiums are 36% cheaper than average
  • Great Eastern MaidGr8 Plan B: High value for money option with comprehensive liability coverage
Cheapest Plans
Plans With Above Average Benefits
  • Most Comprehensive Plans Overall:
  • FWD Maid Insurance Exclusive: Top-tier plan with highly comprehensive coverage; good for those who like customisation
  • MSIG MaidPlus Premier: Top-tier plan that costs average but provides impressive medical coverage and above average peace of mind benefits
  • AXA SmartHelper Ultimate Plus Plan: Most comprehensive medical coverage; offers psychiatric and routine dental add-ons
  • HL Assurance Maid Protect360 Exclusive: Another plan offering some of the most comprehensive medical coverage
  • Insured United Plan 3A: High coverage policy providing 38% more overall coverage and 242% more liability coverage than the market average
  • FWD & Etiqa: Our top picks for employers of Filipino & Malaysia FDW's due to affordability and bond requirement coverage

What is the best maid insurance plan?

Since hiring a foreign domestic worker is already quite expensive, it is important to find a policy that not only provides good coverage, but also fits within your budget. Below, we have handpicked the cheapest, highest value, and most comprehensive policies to make choosing a maid insurance policy a little easier for you. All of the policies discussed below meet the Ministry of Manpower's requirements for having at least S$60,000 personal accident and $15,000 hospitalization coverage and premiums include the waiver of counter indemnity.

Cheapest Maid Insurance Graph

Best Value Maid Insurance: FWD Essential

Promotion:

Consider this if you have a flexible budget and want a customisable policy
  • Hospitalisation Coverage
    • S$15,000
    • Outpatient Expense Coverage
      • S$1,000
      • Third Party Liability Coverage
        • S$3,000
        Premiums & BenefitsFWD EssentialBasic Plan Avg.
        26-Month PremiumS$224.27S$241.60
        Value ($Insured/Premium)1.210.97
        Hospitalisation/SurgeryS$15,000S$15,000
        Outpatient Accident ExpenseS$1,000S$1,375
        3rd Party LiabilityS$3,000S$7,833
        Maid's Personal BelongingsS$300S$279
        Premiums include promotions

        We believe FWD's Essential Maid Insurance plan will give customers the best value for their money while providing well-balanced coverage. First, this plan costs 20% below the average market rate for basic level policies. However, it provides more coverage than its competitors. These additional benefits include coverage for your maid's belongings, liability coverage and up to S$3,000 of coverage in the event your maid harms you or your family.

        FWD also offers a few other unique benefits. For example, it is the only domestic worker insurer that provides medical coverage for illness-related expenses beyond hospitalisation and accidents. Furthermore, FWD can also save you money on fees, as they reimburse you for FDW agency fees, offer a full refund for policy cancellation within the first 3 months, and include the bond waiver option for free (other insurers charge an additional S$53.50). Overall, this plan is a great option for people hiring a domestic worker for the first time and want a good balance of medical and non-medical coverage on a budget.

        Promotion:

        Consider this if you have a flexible budget and want a customisable policy
        • Hospitalisation Coverage
          • S$15,000
          • Outpatient Expense Coverage
            • S$1,000
            • Third Party Liability Coverage
              • S$3,000
              Premiums & BenefitsFWD EssentialBasic Plan Avg.
              26-Month PremiumS$224.27S$318.32
              Value ($Insured/Premium)1.210.97
              Hospitalisation/SurgeryS$15,000S$15,000
              Outpatient Accident ExpenseS$1,000S$1,375
              3rd Party LiabilityS$3,000S$7,833
              Maid's Personal BelongingsS$300S$279

              We believe FWD's Essential Maid Insurance plan will give customers the best value for their money while providing well-balanced coverage. First, this plan costs 20% below the average market rate for basic level policies. However, it provides more coverage than its competitors. These additional benefits include coverage for your maid's belongings, liability coverage and up to S$3,000 of coverage in the event your maid harms you or your family.

              FWD also offers a few other unique benefits. For example, it is the only domestic worker insurer that provides medical coverage for illness-related expenses beyond hospitalisation and accidents. Furthermore, FWD can also save you money on fees, as they reimburse you for FDW agency fees, offer a full refund for policy cancellation within the first 3 months, and include the bond waiver option for free (other insurers charge an additional S$53.50). Overall, this plan is a great option for people hiring a domestic worker for the first time and want a good balance of medical and non-medical coverage on a budget.

              Best Value Maid Insurance for Medical Coverage: MSIG MaidPlus Classic

              Promo: 20% off + Free Medical Check-Up
              Consider this if you want generous medical coverage and above average benefits for employment/termination
              • Hospitalisation Coverage
                • S$50,000
                • Outpatient Expense Coverage
                  • S$3,000
                  • Third Party Liability Coverage
                    • S$20,000
                    Premiums & BenefitsMaidPlus ClassicIndustry Avg.
                    26-Month PremiumS$333.84S$336.24
                    Value ($Insured/Premium)1.271.00
                    Hospitalisation/SurgeryS$30,000S$19,913
                    Personal AccidentS$60,000S$60,500
                    3rd Party LiabilityS$5,000S$13,135
                    Wage Reimbursement (annual)S$1,350S$1,090
                    Temporary Help (annual)S$2,250S$853
                    Premium includes bond waiver benefit and prevailing promotions

                    MSIG's MaidPlus Classic is a great option for people looking for above average medical coverage. It's also a high value plan—for a premium that hovers around the industry average, your hospitalisation benefit will be 55% above average and you'll have worldwide emergency medical and surgical expenses, S$2,000 of medical expense coverage and Dengue fever, accidental dental injury and TCM coverage (up to S$100 each). MSIG also provides a pro-rated payout for A wards and private hospitals, which can be helpful if you want your domestic worker to use your doctor.

                    MSIG also offers a wide variety of peace of mind coverage, including termination expenses, domestic worker belongings damage, re-hiring expenses and repatriation. With the exception of your worker's belongings coverage and the 3rd party liability benefit, MaidPlus Classic benefits are well above the industry average. However, please note that this plan only provides 26-month plan options.

                    Promo: 20% off + Free Medical Check-Up
                    Consider this if you want generous medical coverage and above average benefits for employment/termination
                    • Hospitalisation Coverage
                      • S$50,000
                      • Outpatient Expense Coverage
                        • S$3,000
                        • Third Party Liability Coverage
                          • S$20,000
                          Premiums & BenefitsMaidPlus ClassicIndustry Avg.
                          26-Month PremiumS$333.84S$336.24
                          Value ($Insured/Premium)1.271.00
                          HospitalisationS$30,000S$19,913
                          Personal AccidentS$60,000S$60,500
                          3rd Party LiabilityS$5,000S$13,135
                          Wage Reimbursement (annual)S$1,350S$1,090
                          Temporary Help (annual)S$2,250S$853
                          Premium includes bond waiver benefit and prevailing promotions

                          MSIG's MaidPlus Classic is a great option for people looking for above average medical coverage. It's also a high value plan—for a premium that hovers around the industry average, your hospitalisation benefit will be 55% above average and you'll have worldwide emergency medical and surgical expenses, S$2,000 of medical expense coverage and Dengue fever, accidental dental injury and TCM coverage (up to S$100 each). MSIG also provides a pro-rated payout for A wards and private hospitals, which can be helpful if you want your domestic worker to use your doctor.

                          MSIG also offers a wide variety of peace of mind coverage, including termination expenses, domestic worker belongings damage, re-hiring expenses and repatriation. With the exception of your worker's belongings coverage and the 3rd party liability benefit, MaidPlus Classic benefits are well above the industry average. However, please note that this plan only provides 26-month plan options.

                          Best Value Maid Insurance for Renewal: Etiqa Plan B

                          20% off with code MAID20. Save up to 27% when you purchase home & maid insurance together
                          Consider this if you have a healthy maid that doesn't require copious amounts of medical coverage
                          • Hospitalisation Coverage
                            • S$15,000
                            • Outpatient Expense Coverage
                              • N/A
                              • Third Party Liability Coverage
                                • S$7,500
                                Premiums & BenefitseProtect Maid BIndustry Avg.
                                26-Month PremiumS$247.87S$336.24
                                Value ($ Insured/Premium)S$1.341.00
                                Hospitalisation/SurgeryS$15,000S$19,913
                                Personal Accident/DeathS$65,000S$61,630
                                Accident/Injury ExpensesS$2,000S$2,114
                                3rd Party LiabilityS$7,500S$13,135
                                Wage Reimbursement (annual)S$900S$1,090
                                Premium includes bond waiver benefit and prevailing promotions

                                If you already have a trusted, healthy domestic helper but are on a restricted budget, Etiqa's eProtect Maid plan B is a great value maid insurance plan that will provide you and your foreign domestic worker with great protection. With all promotions included, Etiqa's mid-tier Plan B stands out with a price of S$247.87 (for 26 months)—35.8% lower than its peer average, and even 27.9% lower than the market average of the most basic plans.

                                While its overall coverage amount isn't the highest, it does offer some notable benefits. This includes S$65,000 of personal accident and death coverage, S$7,500 of domestic helper's liability coverage in the event that the maid causes harm or injury, S$15 per day of hospital recuperation for your maid, S$450 of coverage for hiring temporary help while your maid is ill, protection for your family members against abuse and worldwide medical protection.

                                20% off with code MAID20. Save up to 27% when you purchase home & maid insurance together
                                Consider this if you have a healthy maid that doesn't require copious amounts of medical coverage
                                • Hospitalisation Coverage
                                  • S$15,000
                                  • Outpatient Expense Coverage
                                    • N/A
                                    • Third Party Liability Coverage
                                      • S$7,500
                                      Premiums & BenefitseProtect Maid BIndustry Avg.
                                      26-Month PremiumS$247.87S$336.24
                                      Value ($ Insured/Premium)S$1.341.00
                                      HospitalisationS$15,000S$19,913
                                      Personal Accident/DeathS$65,000S$61,630
                                      Accident/Injury ExpensesS$2,000S$2,114
                                      3rd Party LiabilityS$7,500S$13,135
                                      Wage Reimbursement (annual)S$900S$1,090
                                      Premium includes bond waiver benefit and prevailing promotions

                                      If you already have a trusted, healthy domestic helper but are on a restricted budget, Etiqa's eProtect Maid plan B is a great value maid insurance plan that will provide you and your foreign domestic worker with great protection. With all promotions included, Etiqa's mid-tier Plan B stands out with a price of S$247.87 (for 26 months)—35.8% lower than its peer average, and even 27.9% lower than the market average of the most basic plans.

                                      While its overall coverage amount isn't the highest, it does offer some notable benefits. This includes S$65,000 of personal accident and death coverage, S$7,500 of domestic helper's liability coverage in the event that the maid causes harm or injury, S$15 per day of hospital recuperation for your maid, S$450 of coverage for hiring temporary help while your maid is ill, protection for your family members against abuse and worldwide medical protection.

                                      Best Value Maid Insurance for Liability Coverage: Great Eastern MaidGr8 Plan B

                                      Consider this if you are looking for a plan with high liability and theft coverage
                                      • Hospitalisation Coverage
                                        • S$15,000
                                        • Outpatient Expense Coverage
                                          • N/A
                                          • Third Party Liability Coverage
                                            • S$50,000
                                            Premiums & BenefitsMaidGr8 Plan BIndustry Avg.
                                            26-Month PremiumS$331.70S$336.24
                                            Value ($ Insured/Premium)S$1.411.00
                                            Personal Accident/DeathS$60,000S$61,765
                                            Hospitalisation/SurgeryS$15,000S$19,913
                                            3rd Party LiabilityS$50,000S$13,135
                                            Replacement/Re-hiringS$350S$409
                                            FidelityS$5,000S$2,786
                                            Wage Reimbursement (annual)S$1,050S$1,090
                                            Premium includes bond waiver benefit and prevailing promotions

                                            The Great Eastern's MaidGr8 Plan B is a great value option if you are looking to get high levels of liability protection for mid-range prices. For an around-the-market-average price of S$331.70 for 26 months, MaidGr8 offers 15% more liability and medical coverage compared to its competitors. Furthermore, due to the generous S$100,000 of third party liability coverage and S$5,000 of theft coverage, MaidGr8 is a great option for those looking to maximise protection against lawsuits and theft by your domestic helper.

                                            Consider this if you are looking for a plan with high liability and theft coverage
                                            • Hospitalisation Coverage
                                              • S$15,000
                                              • Outpatient Expense Coverage
                                                • N/A
                                                • Third Party Liability Coverage
                                                  • S$50,000
                                                  Premiums & BenefitsMaidGr8 Plan BIndustry Avg.
                                                  26-Month PremiumS$331.70S$336.24
                                                  Value ($ Insured/Premium)S$1.411.00
                                                  Personal Accident/DeathS$60,000S$61,765
                                                  HospitalisationS$15,000S$19,913
                                                  3rd Party LiabilityS$50,000S$15,235
                                                  Replacement/Re-hiringS$350S$409
                                                  FidelityS$5,000S$2,786
                                                  Wage Reimbursement (annual)S$1,050S$1,090
                                                  Premium includes bond waiver benefit and prevailing promotions

                                                  The Great Eastern's MaidGr8 Plan B is a great value option if you are looking to get high levels of liability protection for mid-range prices. For an around-the-market-average price of S$331.70 for 26 months, MaidGr8 offers 15% more liability and medical coverage compared to its competitors. Furthermore, due to the generous S$100,000 of third party liability coverage and S$5,000 of theft coverage, MaidGr8 is a great option for those looking to maximise protection against lawsuits and theft by your domestic helper.

                                                  Cheapest Maid Insurance: Etiqa eProtectMaid Plan A

                                                  20% off with code MAID20. Save up to 27% when you purchase home & maid insurance together
                                                  Consider this if you have a healthy maid that doesn't require copious amounts of medical coverage
                                                  • Hospitalisation Coverage
                                                    • S$15,000
                                                    • Outpatient Expense Coverage
                                                      • N/A
                                                      • Third Party Liability Coverage
                                                        • S$5,000
                                                        Premiums & BenefitsEtiqa eProtect Plan ABasic Tier Avg.
                                                        26-Month PremiumS$195.72S$244.14
                                                        26-Month Premium (No Bond Waiver)S$231.82S$318.32
                                                        14-Month PremiumS$138.42S$169.07
                                                        14-Month Premium (No Bond Waiver)S$130.89S$222.23
                                                        Hospitalisation/SurgeryS$15,000S$15,000
                                                        Personal Accident/DeathS$60,000S$60,000
                                                        Recuperation/dayS$15S$15
                                                        Premiums include prevailing promotions

                                                        The cheapest maid insurance for those on a restricted budget is Etiqa's eProtectMaid Plan A, which costs 195.72 and S$138.42 for 26- and 14-month plans, respectively. Even though these prices are around 40% below the market average, Etiqa's FDW insurance plans offer a good amount of coverage beyond the basic medical requirements. This includes a payment benefit for alternative domestic help if your foreign domestic worker gets hospitalised, S$5,000 of liability coverage if your FDW causes accidental harm and up to $250 in termination and re-hiring expenses. Lastly, there is also coverage for your children, elderly and disabled relatives in the unfortunate event of abuse.

                                                        It is worth mentioning that you can purchase Etiqa's Plan A at an even cheaper price if you don't want to add the waiver of indemnity option (if you have a Malaysian domestic worker, for instance), making it cost S$231.82. If you purchase the plan on a friday, you will be able to save an additional 5% off your policy.

                                                        on_current="true" align="left" expander="false"
                                                        20% off with code MAID20. Save up to 27% when you purchase home & maid insurance together
                                                        Consider this if you have a healthy maid that doesn't require copious amounts of medical coverage
                                                        • Hospitalisation Coverage
                                                          • S$15,000
                                                          • Outpatient Expense Coverage
                                                            • N/A
                                                            • Third Party Liability Coverage
                                                              • S$5,000
                                                              Premiums & BenefitsEtiqa eProtect Plan ABasic Tier Avg.
                                                              26-Month PremiumS$195.72S$244.14
                                                              26-Month Premium (No Bond Waiver)S$231.82S$318.32
                                                              14-Month PremiumS$138.42S$169.07
                                                              14-Month Premium (No Bond Waiver)S$130.89S$222.23
                                                              Hospitalisation/SurgeryS$15,000S$15,000
                                                              Personal Accident/DeathS$60,000S$60,000
                                                              Recuperation/dayS$15S$15
                                                              Premiums include prevailing promotions

                                                              The cheapest maid insurance for those on a restricted budget is Etiqa's eProtectMaid Plan A, which costs 195.72 and S$138.42 for 26- and 14-month plans, respectively. Even though these prices are around 40% below the market average, Etiqa's FDW insurance plans offer a good amount of coverage beyond the basic medical requirements. This includes a payment benefit for alternative domestic help if your foreign domestic worker gets hospitalised, S$5,000 of liability coverage if your FDW causes accidental harm and up to $250 in termination and re-hiring expenses. Lastly, there is also coverage for your children, elderly and disabled relatives in the unfortunate event of abuse.

                                                              It is worth mentioning that you can purchase Etiqa's Plan A at an even cheaper price if you don't want to add the waiver of indemnity option (if you have a Malaysian domestic worker, for instance), making it cost S$231.82. If you purchase the plan on a friday, you will be able to save an additional 5% off your policy.

                                                              Most Comprehensive Insurance Policies for Foreign Domestic Workers

                                                              For those who are looking for the most protection and are a bit more flexible with cost, we have come up with some of the top, most comprehensive policies on the market to ensure that you and your FDW are protected in case of any unforeseen accident or event.

                                                              Most Comprehensive Maid Insurance Overall

                                                              FWD Maid Insurance Exclusive

                                                              Promotion:

                                                              Consider this if you have a flexible budget and want a customisable policy
                                                              Premiums & BenefitsFWD ExclusiveTop-Tier Avg.
                                                              26-Month PremiumS$315.30S$388.52
                                                              Value ($Insured/Premium)0.851.06
                                                              Hospitalisation/SurgicalS$25,000S$27,308
                                                              Outpatient AccidentS$3,000S$4,500
                                                              Ambulance Sub-limitS$300S$100
                                                              3rd Party LiabilityS$5,000S$17,750
                                                              FDW's Personal BelongingsS$500S$1,133
                                                              Premiums include promotions

                                                              For those who want coverage for almost any event possible, FWD's Exclusive Maid Insurance policy is an optimal choice. FWD balances exceptional coverage for your foreign domestic helper and your home with temporary help coverage, recuperation benefits for your maid's stay in the hospital, outpatient expenses, wage reimbursement, and a variety of liability coverages. Furthermore, their ambulance coverage is higher than the market average, dengue fever treatment is fully covered, and you can add up to S$30,000 in additional medical coverage.

                                                              Additionally, FWD offers add-ons for protection against fire, burglary and theft by your FDW for S$28, daily maid allowance if she is hospitalised, and outpatient medical expenses to see a doctor. These add-ons will mainly be a better option for those with a flexible budget, as they can quickly increase your total price by as much as $118.

                                                              Promotion:

                                                              Consider this if you have a flexible budget and want a customisable policy
                                                              Premiums & BenefitsFWD ExclusiveTop-Tier Avg.
                                                              26-Month PremiumS$315.30S$388.52
                                                              Value Ratio0.851.06
                                                              Hospitalisation/SurgicalS$25,000S$23,071
                                                              Outpatient AccidentS$3,000S$3,800
                                                              3rd Party LiabilityS$5,000S$17,750
                                                              FDW's Personal BelongingsS$500S$720
                                                              Premiums include promotions

                                                              For those who want coverage for almost any event possible, FWD's Exclusive Maid Insurance policy is an optimal choice. FWD balances exceptional coverage for your foreign domestic helper and your home with temporary help coverage, recuperation benefits for your maid's stay in the hospital, outpatient expenses, wage reimbursement, and a variety of liability coverages. Furthermore, their ambulance coverage is higher than the market average, dengue fever treatment is fully covered, and you can add up to S$30,000 in additional medical coverage.

                                                              Additionally, FWD offers add-ons for protection against fire, burglary and theft by your FDW for S$28, daily maid allowance if she is hospitalised, and outpatient medical expenses to see a doctor. These add-ons will mainly be a better option for those with a flexible budget, as they can quickly increase your total price by as much as S$118. Lastly, FWD also offers up to S$25,000 of hospitalisation coverage in the event your domestic helper gets diagnosed with COVID-19, a great peace of mind benefit during the current climate.

                                                              MSIG MaidPlus Premier

                                                              Promo: 20% off + Free Medical Check-Up
                                                              Consider this if you want generous medical coverage and above average benefits for employment/termination
                                                              • Hospitalisation Coverage
                                                                • S$50,000
                                                                • Outpatient Expense Coverage
                                                                  • S$3,000
                                                                  • Third Party Liability Coverage
                                                                    • S$20,000
                                                                    Premiums & BenefitsMaidPlus PremierTop-Tier Avg.
                                                                    26-Month PremiumS$376.64S$388.52
                                                                    Value Ratio1.471.06
                                                                    Hospitalisation/SurgicalS$50,000S$27,308
                                                                    Personal AccidentS$60,000S$63,462
                                                                    Temporary Help (annual)S$3,000S$1,090
                                                                    Wage Reimbursement (annual)S$1,800S$1,329
                                                                    FDW ReplacementS$750S$545
                                                                    FDW's Personal BelongingsS$300S$720
                                                                    Premium includes bond waiver benefit and prevailing promotions

                                                                    MSIG's MaidPlus Premier provides a plethora of benefits, many of which have higher than average limits, enticing consumers who care more about having maximum coverage as opposed to getting the lowest price. For instance, its S$50,000 of hospitalisation coverage limit and S$1,800 wage reimbursement limit (if your domestic worker is in the hospital and you need to cover her wages) are more than double the top-tier average and its termination expense coverage is the highest on the market. Furthermore, MSIG also offers a pro-rated payout for private hospitals and higher class wards if you prefer your domestic worker to visit a particular doctor. This is in addition to the already worldwide cover for emergency medical and surgical expenses.

                                                                    However, MSIG doesn't simply excel in medical coverage. It also provides coverage for everything from fire and flood damage done to your domestic worker's belongings to re-hiring and termination expenses. These benefits all come at a reasonable price, which hovers just around the average for top-tier plans. However, you should note this plan is only available for a 26-month period. If you are looking for a 14-month plan, you will have to look for another insurer. Lastly, FWD also offers up to S$25,000 of hospitalisation coverage in the event your domestic helper gets diagnosed with COVID-19, a great peace of mind benefit during the current climate.

                                                                    Promo: 20% off + Free Medical Check-Up
                                                                    Consider this if you want generous medical coverage and above average benefits for employment/termination
                                                                    • Hospitalisation Coverage
                                                                      • S$50,000
                                                                      • Outpatient Expense Coverage
                                                                        • S$3,000
                                                                        • Third Party Liability Coverage
                                                                          • S$20,000
                                                                          Premiums & BenefitsMaidPlus PremierTop-Tier Avg.
                                                                          26-Month PremiumS$376.64S$388.52
                                                                          Value Ratio1.471.06
                                                                          Hospitalisation/SurgicalS$50,000S$27,308
                                                                          Personal AccidentS$60,000S$63,462
                                                                          Temporary Help (annual)S$3,000S$1,090
                                                                          Wage Reimbursement (annual)S$1,800S$1,329
                                                                          FDW ReplacementS$750S$545
                                                                          FDW's Personal BelongingsS$300S$720
                                                                          Premium includes bond waiver benefit and prevailing promotions

                                                                          MSIG's MaidPlus Premier provides a plethora of benefits, many of which have higher than average limits, enticing consumers who care more about having maximum coverage as opposed to getting the lowest price. For instance, its S$50,000 of hospitalisation coverage limit and S$1,800 wage reimbursement limit (if your domestic worker is in the hospital and you need to cover her wages) are more than double the top-tier average and its termination expense coverage is the highest on the market. Furthermore, MSIG also offers a pro-rated payout for private hospitals and higher class wards if you prefer your domestic worker to visit a particular doctor. This is in addition to the already worldwide cover for emergency medical and surgical expenses.

                                                                          However, MSIG doesn't simply excel in medical coverage. It also provides coverage for everything from fire and flood damage done to your domestic worker's belongings to re-hiring and termination expenses. These benefits all come at a reasonable price, which hovers just around the average for top-tier plans. However, you should note this plan is only available for a 26-month period. If you are looking for a 14-month plan, you will have to look for another insurer.

                                                                          Most Comprehensive Medical Benefits

                                                                          HL Assurance Maid Protect360 Exclusive

                                                                          Consider this if you need above average healthcare benefits for your domestic helper
                                                                          • Hospitalisation Coverage
                                                                            • S$30,000
                                                                            • Outpatient Expense Coverage
                                                                              • N/A
                                                                              • Third Party Liability Coverage
                                                                                • S$5,000
                                                                                Premiums & BenefitsHLAS ExclusiveTop Tier Avg.
                                                                                26-Month PremiumS$509.50S$388.52
                                                                                Value ($Insured/Premium)0.001.06
                                                                                Hospitalisation/SurgicalS$40,000S$27,308
                                                                                Accident/Injury Medical ExpensesS$4,000S$4,500
                                                                                Recuperation (annually)S$1,500943
                                                                                Wage reimbursement (annual)S$1,800S$1,329
                                                                                Re-Hiring ExpensesS$750S$545
                                                                                Premium includes bond waiver benefit and prevailing promotions

                                                                                HL Assurance's Maid Protect360 Exclusive is a great option for domestic helper employers who are looking to minimise their worker's healthcare costs as much as possible. In fact, the exclusive plan has one of the highest benefit limits for healthcare related expenses, with hospitalisation, outpatient, recuperation and special grant benefits all well above the top-tier plan average. Furthermore, HL Assurance also provides a free medical teleconsultation benefit, a 50% off the 6-monthly medical examination and HLAS member rates for outpatient visits at general practitioner and dental clinics.

                                                                                One drawback is the plan's expensive premium, which without promotions or add-ons costs 27% above the top-tier plan average. However, with an ongoing promotion of a S$50 FairPrice voucher for customers who are looking to switch insurers to HL Assurance will be able to offset at least some of that cost. All in all, HL Assurance's Exclusive plan can be a great option for employers who prioritise great medical coverage over price.

                                                                                Consider this if you need above average healthcare benefits for your domestic helper
                                                                                • Hospitalisation Coverage
                                                                                  • S$30,000
                                                                                  • Outpatient Expense Coverage
                                                                                    • N/A
                                                                                    • Third Party Liability Coverage
                                                                                      • S$5,000
                                                                                      Premiums & BenefitsHLAS ExclusiveTop Tier Avg.
                                                                                      26-Month PremiumS$509.50S$388.52
                                                                                      Value ($Insured/Premium)0.001.06
                                                                                      Hospitalisation/SurgicalS$40,000S$27,308
                                                                                      Accident/Injury Medical ExpensesS$4,000S$4,500
                                                                                      Recuperation (annually)S$1,500943
                                                                                      Wage reimbursement (annual)S$1,800S$1,329
                                                                                      Re-Hiring ExpensesS$750S$545
                                                                                      Premium includes bond waiver benefit and prevailing promotions

                                                                                      HL Assurance's Maid Protect360 Exclusive is a great option for domestic helper employers who are looking to minimise their worker's healthcare costs as much as possible. In fact, the exclusive plan has one of the highest benefit limits for healthcare related expenses, with hospitalisation, outpatient, recuperation and special grant benefits all well above the top-tier plan average. Furthermore, HL Assurance also provides a free medical teleconsultation benefit, a 50% off the 6-monthly medical examination and HLAS member rates for outpatient visits at general practitioner and dental clinics.

                                                                                      One drawback is the plan's expensive premium, which without promotions or add-ons costs 27% above the top-tier plan average. However, with an ongoing promotion of a S$50 FairPrice voucher for customers who are looking to switch insurers to HL Assurance will be able to offset at least some of that cost. All in all, HL Assurance's Exclusive plan can be a great option for employers who prioritise great medical coverage over price.

                                                                                      AXA SmartHelper Ultimate Plus Plan

                                                                                      AXA SmartHelper Ultimate Plus
                                                                                      AXA SmartHelper Ultimate Plus
                                                                                      Consider this if you want flexible and generous medical coverage
                                                                                      • Hospitalisation Coverage
                                                                                        • S$20,000
                                                                                        • Outpatient Expense Coverage
                                                                                          • S$3,000
                                                                                          • Third Party Liability Coverage
                                                                                            • S$5,000
                                                                                            Premiums & BenefitsAXA SmartHelperTop Tier Avg.
                                                                                            26-Month PremiumS$363.80S$388.52
                                                                                            Value ($Insured/Premium)0.781.06
                                                                                            Hospitalisation/SurgicalS$20,000S$27,308
                                                                                            Outpatient Critical IllnessS$3,000S$4,500
                                                                                            3rd Party LiabilityS$5,000S$17,750
                                                                                            Re-Hiring ExpensesS$750S$545
                                                                                            Premium includes bond waiver benefit and prevailing promotions

                                                                                            For those looking for the most comprehensive medical coverage for your FDW, the AXA SmartHelper Ultimate Plus plan provides extensive medical options that go above and beyond most other maid insurance plans on the market. While slightly more expensive than the market average at S$363.80, AXA offers above market average coverage in outpatient, personal accident, and maid replacement expenses.

                                                                                            For those who are willing to pay extra, AXA is unique in providing add-on options like $5,000 in psychiatric coverage, up to $3,000 in dental coverage and unlimited repatriation coverage in the event of your maid's disablement or death (provided you use their medical provider). This plan is a great option for those who have long-term maids who have developed medical issues that are not covered by other plans or for those who want to maximize protection against any type of medical cost.

                                                                                            AXA SmartHelper Ultimate Plus
                                                                                            AXA SmartHelper Ultimate Plus
                                                                                            Consider this if you want flexible and generous medical coverage
                                                                                            • Hospitalisation Coverage
                                                                                              • S$20,000
                                                                                              • Outpatient Expense Coverage
                                                                                                • S$3,000
                                                                                                • Third Party Liability Coverage
                                                                                                  • S$5,000
                                                                                                  Premiums & BenefitsAXA SmartHelperTop Tier Avg.
                                                                                                  26-Month PremiumS$363.80S$388.52
                                                                                                  Value ($Insured/Premium)0.781.06
                                                                                                  Hospitalisation/SurgicalS$20,000S$27,308
                                                                                                  Outpatient Critical IllnessS$3,000S$4,500
                                                                                                  3rd Party LiabilityS$5,000S$17,750
                                                                                                  Re-Hiring ExpensesS$750S$545
                                                                                                  Premium includes bond waiver benefit and prevailing promotions

                                                                                                  For those looking for the most comprehensive medical coverage for your FDW, the AXA SmartHelper Ultimate Plus plan provides extensive medical options that go above and beyond most other maid insurance plans on the market. While slightly more expensive than the market average at S$363.80, AXA offers above market average coverage in outpatient, personal accident, and maid replacement expenses.

                                                                                                  For those who are willing to pay extra, AXA is unique in providing add-on options like $5,000 in psychiatric coverage, up to $3,000 in dental coverage and unlimited repatriation coverage in the event of your maid's disablement or death (provided you use their medical provider). This plan is a great option for those who have long-term maids who have developed medical issues that are not covered by other plans or for those who want to maximize protection against any type of medical cost.

                                                                                                  Most Comprehensive Liability Protection: Insured United Plan 4A

                                                                                                  InsuredUnited Domestic Maid Insurance Plan 3A
                                                                                                  InsuredUnited Domestic Maid Insurance Plan 3A
                                                                                                  Consider this if you want flexible and generous medical coverage
                                                                                                  • Hospitalisation Coverage
                                                                                                    • S$30,000
                                                                                                    • Outpatient Expense Coverage
                                                                                                      • S$5,000
                                                                                                      • Third Party Liability Coverage
                                                                                                        • S$75,000
                                                                                                        Premiums & BenefitsInsured United Plan 4ATop-Tier Avg.
                                                                                                        26-Month PremiumS$416.50S$388.52
                                                                                                        Value ($Insured/Premium)1.141.06
                                                                                                        Death/Personal AccidentS$75,000S$63,462
                                                                                                        Hospitalisation/SurgeryS$35,000S$27,308
                                                                                                        Outpatient Critical IllnessS$5,000S$4,500
                                                                                                        3rd Party LiabilityS$75,000S$24,727
                                                                                                        Wage Reimbursement (annual)S$14,600S$12,410
                                                                                                        FDW's Personal BelongingsS$500S$1,133
                                                                                                        FDW ReplacementS$500S$490
                                                                                                        Premium includes bond waiver benefit and prevailing promotions

                                                                                                        For those who want maximum protection against potential losses from non-medical reasons like lawsuits or theft, Insured United's Domestic Maid Insurance Plan 3A is a great comprehensive option that costs S$354.97 for a 26 month policy. Though this is around the average market price for high-end plans, this policy provides 38% more overall coverage and 242% more liability coverage than the market average.

                                                                                                        Furthermore, you'll receive S$75,000 in third party and employer's liability coverage to protect you and your FDW from outside lawsuits, a $5,000 fidelity coverage to protect your belongings from theft by your FDW and $500 of coverage for your maid's belongings. Insured United's Plan 3A also offers $20,000 in repatriation coverage to send your maid back home if she is not able to perform her duties due to illness — higher than anything else on the market.

                                                                                                        InsuredUnited Domestic Maid Insurance Plan 3A
                                                                                                        InsuredUnited Domestic Maid Insurance Plan 3A
                                                                                                        Consider this if you want flexible and generous medical coverage
                                                                                                        • Hospitalisation Coverage
                                                                                                          • S$30,000
                                                                                                          • Outpatient Expense Coverage
                                                                                                            • S$5,000
                                                                                                            • Third Party Liability Coverage
                                                                                                              • S$75,000
                                                                                                              Premiums & BenefitsInsured United Plan 4ATop-Tier Avg.
                                                                                                              26-Month PremiumS$416.50S$388.52
                                                                                                              Value ($Insured/Premium)1.141.06
                                                                                                              Death/Personal AccidentS$75,000S$63,462
                                                                                                              Hospitalisation/SurgeryS$35,000S$27,308
                                                                                                              Outpatient Critical IllnessS$5,000S$4,500
                                                                                                              3rd Party LiabilityS$75,000S$24,727
                                                                                                              Wage Reimbursement (annual)S$14,600S$12,410
                                                                                                              FDW's Personal BelongingsS$500S$1,133
                                                                                                              FDW ReplacementS$500S$490
                                                                                                              Premium includes bond waiver benefit and prevailing promotions

                                                                                                              For those who want maximum protection against potential losses from non-medical reasons like lawsuits or theft, Insured United's Domestic Maid Insurance Plan 3A is a great comprehensive option that costs $354.97 for a 26 month policy. Though this is around the average market price for high-end plans, this policy provides 38% more overall coverage and 242% more liability coverage than the market average.

                                                                                                              Furthermore, you'll receive S$75,000 in third party and employer's liability coverage to protect you and your FDW from outside lawsuits, a $5,000 fidelity coverage to protect your belongings from theft by your FDW and $500 of coverage for your maid's belongings. Insured United's Plan 3A also offers $20,000 in repatriation coverage to send your maid back home if she is not able to perform her duties due to illness — higher than anything else on the market.

                                                                                                              Cheapest Maid Insurance for Filipino and Malaysian Maids

                                                                                                              Promotion:

                                                                                                              Consider this if you want high value coverage for Filipino & Malaysian FDWs
                                                                                                              • Hospitalisation Coverage
                                                                                                                • S$15,000
                                                                                                                • Outpatient Expense Coverage
                                                                                                                  • S$1,000
                                                                                                                  • Third Party Liability Coverage
                                                                                                                    • S$3,000
                                                                                                                    20% off with code MAID20. Save up to 27% when you purchase home & maid insurance together
                                                                                                                    Consider this if you want cheap coverage for Filipino & Malaysian FDWs
                                                                                                                    • Hospitalisation Coverage
                                                                                                                      • S$15,000
                                                                                                                      • Outpatient Expense Coverage
                                                                                                                        • N/A
                                                                                                                        • Third Party Liability Coverage
                                                                                                                          • S$5,000

                                                                                                                          Etiqa's eProtect Maid or FWD's Essential Maid Insurance are the two cheapest maid insurance options for those who wish to hire a maid from the Philippines or Malaysia. Hiring a Filipino maid requires paying a S$7,000 bond to the Philippines Embassy. For plans that offer coverage for this, FWD charges $297.29 and Etiqa charges $264.22 with waiver of indemnity included.

                                                                                                                          Since Malaysian maids are not subject to any form of foreign or local government bonds, these prices drop to S$238.29 for FWD and S$182.67 for Etiqa. While their prices are low, you can still expect great coverage for your maid including the required health insurance and the additional benefits discussed in our review of these policies above.

                                                                                                                          {"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImage--root \"\u003E\n \u003Cdiv class=\"ShortcodeImage--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate maid_insurance_companies: Etiqa eProtect maid Plan A - Image\" data-eventlabel=\"Etiqa eProtect maid Plan A\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa eProtect maid Plan A\" href=\"\/redirect\/maid_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fetiqa.com.sg%252Fonline%252Faffiliate%252FeProtect-Maid%253Freferral%253DValueChampion%2526utm_source%253Dvaluechampion%2526utm_medium%253Daffiliate%2526utm_campaign%253Dvaluechampion%252B2020%252Bmaid\"\u003E\u003Cimg alt=\"Etiqa eProtect maid Plan A\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/tiq-etiqa-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate maid_insurance_companies: Etiqa eProtect maid Plan A - 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Image\" data-eventlabel=\"Etiqa eProtect maid Plan A\" rel=\"nofollow noopener\" target=\"_blank\" title=\"Etiqa eProtect maid Plan A\" href=\"\/redirect\/maid_insurance_companies\/11?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fetiqa.com.sg%252Fonline%252Faffiliate%252FeProtect-Maid%253Freferral%253DValueChampion%2526utm_source%253Dvaluechampion%2526utm_medium%253Daffiliate%2526utm_campaign%253Dvaluechampion%252B2020%252Bmaid\"\u003E\u003Cimg alt=\"Etiqa eProtect maid Plan A\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/tiq-etiqa-1\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/tiq-etiqa-1 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate maid_insurance_companies: Etiqa eProtect maid Plan A - 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Image\" data-eventlabel=\"FWD Maid Insurance Essential\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD Maid Insurance Essential\" href=\"\/redirect\/maid_insurance_companies\/5?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Fmaid-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003E\u003Cimg alt=\"FWD Maid Insurance Essential\" class=\"ShortcodeImage--image lazyload\" style=\"width: 200px;\" data-src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4\" src=\"\/\/res.cloudinary.com\/valuechampion\/image\/upload\/e_blur:1000,q_1,f_auto\/referral_logos\/sg\/insurance\/fwd-4\" data-srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/sg\/insurance\/fwd-4 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate maid_insurance_companies: FWD Maid Insurance Essential - 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Button\" data-eventlabel=\"FWD Maid Insurance Essential\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"FWD Maid Insurance Essential\" href=\"\/redirect\/maid_insurance_companies\/5?link=https%3A%2F%2Faffiliate.valuechampion.sg%2Fredirect%3Flink%3Dhttps%253A%252F%252Fwww.fwd.com.sg%252Fmaid-insurance%252F%253Futm_source%253DAffiliate%2526utm_medium%253DValuepenguin%2526utm_campaign%253DNonAPI\"\u003EGet a Quote \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}
                                                                                                                          Consider these plans if you want affordable coverage and bond benefits for your Filipino & Malaysian FDWs
                                                                                                                          • Etiqa Promotion: 20% off with code MAID20. Save up to 27% when you purchase home & maid insurance together
                                                                                                                          • Etiqa Add-ons: S$7,000 Philippine Embassy LOG, Indemnity reimbursement, hospitalisation top-up, critical illness coverage, home cover, liability top-up
                                                                                                                          • Read our full review of Etiqa Maid Insurance
                                                                                                                          • FWD Promotion:
                                                                                                                          • FWD Add-ons: Outpatient medical, 6-month medical examination, S$7,000 Philippine Embassy LOG, hospitalisation top-up, daily hospital allowance, home contents cover
                                                                                                                          • Read our full review of FDW Maid Insurance

                                                                                                                          Etiqa's eProtect Maid or FWD's Essential Maid Insurance are the two cheapest maid insurance options for those who wish to hire a maid from the Philippines or Malaysia. Hiring a Filipino maid requires paying a S$7,000 bond to the Philippines Embassy. For plans that offer coverage for this, FWD charges $297.29 and Etiqa charges $264.22 with waiver of indemnity included.

                                                                                                                          Since Malaysian maids are not subject to any form of foreign or local government bonds, these prices drop to S$238.29 for FWD and S$182.67 for Etiqa. While their prices are low, you can still expect great coverage for your maid including the required health insurance and the additional benefits discussed in our review of these policies above.

                                                                                                                          How Do I Choose the Best Maid Insurance?

                                                                                                                          When choosing an domestic worker insurance plan for you and your foreign domestic worker, it is imperative that you do proper research regarding possible out-of-pocket costs you can incur due to your family's lifestyle. For instance, if you are new to foreign domestic workers, consider a plan that will give you good all around protection until you know exactly what kind of insurance will suit your future needs.

                                                                                                                          If you are living in a high-rise apartment building, ensure there are proper safety precautions for your maid and consider a plan that has more accident insurance to prevent high hospital bills and to give her ample medical coverage in the event of an accident. Lastly, be sure to read the fine print and policy wording before making any concrete decisions to prevent misunderstandings and understand exactly what is protected under your insurance plan.

                                                                                                                          How to Renew Your Worker's Contract and Insurance

                                                                                                                          If you are looking to renew your worker's contract and insurance plan then you will need to submit a scanned copy of your worker's passport's personal particulars page, security bond and proof of a valid maid insurance policy. While you could go to your maid agency and have them do it for you, it's much easier to do it yourself and you have the added bonus of choosing the maid insurance plan that you want to purchase. There's nothing special you need to do to renew your worker's insurance. Simply compare the policies you're interested in and apply. You should just be sure to do this in advance of your existing policy's and permit's expiration. Once you have these documents ready, you'll need to go to the Ministry of Manpower's website to renew your worker's work permit.

                                                                                                                          What You Need to Know About Security Bonds

                                                                                                                          Singapore, Philippines and Indonesia all require bonds. The security bond of S$5,000 that Singapore imposes is to ensure that you will not do anything to breach the work contract or break any laws. Unless your worker is Malaysian, you will need to get the security bond. Once your worker is discharged from your service (work permit is cancelled and the worker is sent home), the bond will be released. It's important to note that you will not be liable to pay the bond if your worker gets pregnant or does something illegal. Most insurers will include the security bond payment as part of their benefits and some will also offer a counter of indemnity benefit that will reduce your bond liability to S$250 if a breach of contract happens.

                                                                                                                          The Philippines bond of S$2,000 and S$7,000 is there to ensure that Filipino domestic workers are treated as laid out in the Standard Employment Contract for a Filipino Household Worker. Similarly, you will have to get a $6,000 Indonesian Embassy performance bond if you choose to hire an Indonesian domestic worker. Similar to the MOM security bond, insurers may often offer a letter of guarantee for the bond that will cover these bonds so you don't have pay the embassy in cash.

                                                                                                                          Frequently Asked Questions

                                                                                                                          Have a question about maid insurance? Find your answer below.

                                                                                                                          Yes. You are required by the Ministry of Manpower to purchase an insurance policy for your foreign domestic worker.

                                                                                                                          Maid insurance provides financial coverage if your worker suffers from a personal accident, gets hospitalised or needs to be sent home. Maid insurance will also provide miscellaneous coverage for things like paying for a temporary maid and covering your worker's salary if she is hospitalised. There are also outpatient benefits if your worker has an accident. The insurance plan you buy must have at least S$15,000 of hospitalisation coverage and S$60,000 of personal accident/death coverage.

                                                                                                                          Insurers will generally not cover your domestic worker for things that break her employment contract in Singapore or if you commit malicious harm against her. You should be sure to read the policy wording of your plan to know what will and won't be covered. Below, we've listed some of the common maid insurance policy exclusions.

                                                                                                                          Common General Exclusions
                                                                                                                          Pregnancy, childbirth, abortionsIntoxication by alcohol or drugs
                                                                                                                          Consequences of war, riot revolutionSexually transmitted infections, HIV or AIDS
                                                                                                                          Breach or work permitWillful participation by interested party to commit illegal acts in Singapore or abroad
                                                                                                                          Non-emergency dental care (unless explicitly stated otherwisePsychiatric care (unless explicitly stated otherwise)

                                                                                                                          Most insurers have online portals where you can submit your claim and all supporting documents. In other cases, you may have to mail them to the address provided on their site. You typically have 30 days to file your claim.

                                                                                                                          Methodology

                                                                                                                          We looked at 18 different insurance companies and analysed 50 insurance plans to come up with the best options for cost-effectiveness, value, and inclusiveness. Going through the policy wording and terms and conditions of each insurer, we were able to map out each plan's coverage and premiums and use that information to make our decisions for the most comprehensive and best value plans. We created a score for the value of each plan by using a ratio of benefits and coverage offered divided by the premium price.

                                                                                                                          In order to be as accurate as possible when creating our value metrics, we weighted different benefits based on their importance and popularity. We were then able to compare each plan to the market average and come up with plans that can be tailored for anyone's foreign domestic worker needs.

                                                                                                                          Sample of Insurers
                                                                                                                          FWDEtiqaInsured UnitedGreat Eastern
                                                                                                                          IncomeMSIGAXAHL Assurance
                                                                                                                          AIALonPacIndia International InsuranceEQ
                                                                                                                          POSBTokioMarineChina TaipingECICS
                                                                                                                          SompoLiberty Insurance
                                                                                                                          Anastassia Evlanova

                                                                                                                          Anastassia is a Senior Research Analyst at ValueChampion Singapore, evaluating insurance products for consumers based on quantitative and qualitative financial analysis. She holds degrees in Economics and International Business Management and her prior working experience includes work in the capital markets sector. Her analyses surrounding insurance, healthcare, international affairs and personal finance has been featured on AsiaOne, Business Insider, DW, Vice, Her World, Asia Insurance Review, the Australian Institute of International Affairs and more.