Best Maid Insurance in Singapore 2020

To keep your household running smoothly, you should have a foreign domestic worker insurance plan that provides ample medical, personal accident and liability coverage. Below, you can compare the best FDW insurance policies that we 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
  • 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

Compare the Best Maid Insurance Plans

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

  • Consider this plan if you want a high value plan with great medical coverage
  • Promotion: "BESTMAID" for 25%
  • Available 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
Premiums & BenefitsFWD EssentialBasic Plan Avg.
26-Month PremiumS$210.26S$241.60
Value ($Insured/Premium)1.370.97
Outpatient Accident ExpenseS$1,000S$1,375
Hospitalisation & SurgeryS$15,000S$15,000
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 hospitalization 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 counter indemnity option for free (other insurers charge an additional S$53.50 premium). Lastly, from now until December 31st, 2020 if you opt for the outpatient medical expenses rider add-on, your helper can consult a doctor online from the comfort of your home using the Doctor Anywhere app. 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.

Consider this plan if you want a high value plan with great medical coverage
  • Promotion: "BESTMAID" for 25%
  • Available 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
Premiums & BenefitsFWD EssentialBasic Plan Avg.
26-Month PremiumS$210.26S$295.07
Value ($Insured/Premium)1.370.97
Outpatient Accident ExpenseS$1,000S$1,375
Hospitalisation & SurgeryS$15,000S$15,000
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 hospitalization 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 counter indemnity option for free (other insurers charge an additional S$53.50 premium). Lastly, from now until December 31st, 2020 if you opt for the outpatient medical expenses rider add-on, your helper can consult a doctor online from the comfort of your home using the Doctor Anywhere app. 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

  • Consider this plan if you want above average medical coverage for your worker
  • Promotion: 20% off + Free Medical Check-up for Classic and Premier plans+ every purchase of a policy gives you a chance to enter a lucky draw for 1x staycation voucher, dining or S$100 Fairprice voucher
  • Available Add-ons: Philippine Overseas Labour Office Guarantee Bond, Employer liability top-up, Waiver of Counter Indemnity
  • Read our full review
Premiums & BenefitsMaidPlus ClassicIndustry Avg.
26-Month PremiumS$321S$328.06
Value ($Insured/Premium)1.441.00
Hospitalisation & SurgeryS$15,000S$18,420
Personal AccidentS$60,000S$60,500
3rd Party LiabilityS$5,000S$13,135
Wage Reimbursement (annual)S$10,950S$11,315
FDW ReplacementS$500S$408
Premium includes Maid Insurance Guarantee Bond - MOM

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.

Consider this plan if you want above average medical coverage for your worker
  • Promotion: 20% off + Free Medical Check-up for Classic and Premier plans+ every purchase of a policy gives you a chance to enter a lucky draw for 1x staycation voucher, dining or S$100 Fairprice voucher
  • Available Add-ons: Philippine Overseas Labour Office Guarantee Bond, Employer liability top-up, Waiver of Counter Indemnity
  • Read our full review
Premiums & BenefitsMaidPlus ClassicIndustry Avg.
26-Month PremiumS$321S$328.06
Value ($Insured/Premium)1.441.00
Hospitalisation & SurgeryS$15,000S$18,420
Personal AccidentS$60,000S$60,500
3rd Party LiabilityS$5,000S$13,135
Wage Reimbursement (annual)S$10,950S$11,315
FDW ReplacementS$500S$408
Premium includes Maid Insurance Guarantee Bond – MOM

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 e 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

  • Consider this plan if you have a healthy maid that doesn't require copious amounts of medical coverage
  • Promotion: 25% off + up to S$15 cashback with promo code "VCMAID25"
  • Available 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
Premiums & BenefitseProtect Maid BIndustry Avg.
26-Month PremiumS$233.70S$328.06
Value ($ Insured/Premium)1.371.00
Personal AccidentS$65,000S$60,500
3rd Party LiabilityS$7,500S$13,135
Wage Reimbursement (annual)S$10,950S$11,315
Premium includes waiver of counter indemnity add-on

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$208.65 (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.

Consider this plan if you have a healthy maid that doesn't require copious amounts of medical coverage
  • Promotion: 25% off + up to S$15 cashback with promo code "VCMAID25"
  • Available 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
Premiums & BenefitseProtect Maid BIndustry Avg.
26-Month PremiumS$233.70S$328.06
Value ($ Insured/Premium)1.371.00
Personal AccidentS$65,000S$60,500
3rd Party LiabilityS$7,500S$13,135
Wage Reimbursement (annual)S$10,950S$11,315
Premium includes waiver of counter indemnity add-on

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$208.65 (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 plan if you are looking for a plan with high liability and theft coverage
  • Promotion:
  • Available Add-ons: Reimbursement of indemnity, Philippines Embassy bond
  • Read our full review
Premiums & BenefitsMaidGr8 Plan BIndustry Avg.
26-Month PremiumS$331.70S$328.06
Value ($Insured/Premium)1.491.00
HospitalisationS$15,000S$18,420
3rd Party LiabilityS$50,000S$13,135
FidelityS$5,000S$3,444
Wage Reimbursement (annual)S$12,775S$11,315
Premium includes waiver of counter indemnity add-on

The Great Eastern 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 maximize protection against lawsuits and theft by your FDW.

Consider this plan if you are looking for a plan with high liability and theft coverage
  • Promotion:
  • Available Add-ons: Reimbursement of indemnity, Philippines Embassy bond
  • Read our full review
Premiums & BenefitsMaidGr8 Plan BIndustry Avg.
26-Month PremiumS$331.70S$328.06
Value ($Insured/Premium)1.491.00
HospitalisationS$15,000S$18,420
3rd Party LiabilityS$50,000S$13,135
FidelityS$5,000S$3,444
Wage Reimbursement (annual)S$12,775S$11,315
Premium includes waiver of counter indemnity add-on

The Great Eastern 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 maximize protection against lawsuits and theft by your FDW.

Cheapest Maid Insurance: Etiqa eProtectMaid Plan A

  • Consider this plan if you want a very affordable plan that doesn't cut corners
  • Promotion: 25% off + up to S$15 cashback with promo code "VCMAID25"
  • Available 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
Premiums & BenefitsEtiqa eProtect Plan ABasic Tier Avg.
26-Month PremiumS$218.72S$295.07
26-Month Premium (No Indemnity Waiver)S$260.96S$287.04
14-Month PremiumS$220.01S$224.69
14-Month Premium (No Indemnity Waiver)S$184.56S$205.88
Wage ReimbursementS$10,950S$11,315
3rd Party LiabilityS$5,000S$7,833
Premium includes waiver of counter indemnity add-on

The cheapest maid insurance for those on a restricted budget is Etiqa's eProtectMaid Plan A, which costs S$218.72 and S$154 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$182.67 and if you purchase the plan on a friday, as you will be able to save an additional 5% off your policy.

Consider this plan if you want a very affordable plan that doesn't cut corners
  • Promotion: 25% off + up to S$15 cashback with promo code "VCMAID25"
  • Available 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
Premiums & BenefitseProtect Plan ABasic Tier Avg.
26-Month PremiumS$218.72S$295.07
26-Month Premium (No Waiver)S$260.96S$287.04
14-Month PremiumS$220.01S$224.69
14-Month Premium (No Waiver)S$184.56S$205.88
Wage ReimbursementS$10,950S$11,315
3rd Party LiabilityS$5,000S$7,833
Premium includes waiver of counter indemnity add-on

The cheapest maid insurance for those on a restricted budget is Etiqa's eProtectMaid Plan A, which costs S$218.72 and S$154 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$182.67 and if you purchase the plan on a friday, as 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

  • Consider this plan if you have a flexible budget and want a customisable policy
  • Promotion: "BESTMAID" for 25%
  • Available 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
Premiums & BenefitsFWD ExclusiveTop-Tier Avg.
26-Month PremiumS$295.59S$365.68
Value ($Insured/Premium)1.191.02
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. For its S$394 (before promotions) 26-month plan, it 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 hospitalized, 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. If you opt for the outpatient medical expenses rider add-on, your helper can consult a doctor online from the comfort of your home using the Doctor Anywhere app (from now until December 31st, 2020).

Consider this plan if you have a flexible budget and want a customisable policy
  • Promotion: "BESTMAID" for 25%
  • Available 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
Premiums & BenefitsFWD ExclusiveTop-Tier Avg.
26-Month PremiumS$295.59S$365.68
Value Ratio1.191.02
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. For its S$394 (before promotions) 26-month plan, it 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 hospitalized, 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. If you opt for the outpatient medical expenses rider add-on, your helper can consult a doctor online from the comfort of your home using the Doctor Anywhere app (from now until December 31st, 2020).

MSIG MaidPlus Premier

  • Consider this plan if you want generous medical coverage and above average benefits for employment/termination
  • Promotion: 20% off + Free Medical Check-up for Classic and Premier plans+ every purchase of a policy gives you a chance to enter a lucky draw for 1x staycation voucher, dining or S$100 Fairprice voucher
  • Available Add-ons: Philippine Overseas Labour Office Guarantee Bond, Employer liability top-up, Waiver of Counter Indemnity
  • Read our full review
Premiums & BenefitsMaidPlus PremierTop-Tier Avg.
26-Month PremiumS$358.45S$365.68
Value Ratio1.881.02
Hospitalisation & SurgicalS$15,000S$23,071
Personal AccidentS$60,000S$60,714
3rd Party LiabilityS$5,000S$17,750
Wage Reimbursement (annual)S$10,950S$12,410
FDW's Personal BelongingsS$300S$720
FDW ReplacementS$500S$490
Premium includes Maid Insurance Guarantee Bond – MOM

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.

Consider this plan if you want generous medical coverage and above average benefits for employment/termination
  • Promotion: 20% off + Free Medical Check-up for Classic and Premier plans+ every purchase of a policy gives you a chance to enter a lucky draw for 1x staycation voucher, dining or S$100 Fairprice voucher
  • Available Add-ons: Philippine Overseas Labour Office Guarantee Bond, Employer liability top-up, Waiver of Counter Indemnity
  • Read our full review
Premiums & BenefitsMaidPlus PremierTop-Tier Avg.
26-Month PremiumS$358.45S$365.68
Value Ratio1.881.02
Hospitalisation & SurgicalS$15,000S$23,071
Personal AccidentS$60,000S$60,714
3rd Party LiabilityS$5,000S$17,750
Wage Reimbursement (annual)S$10,950S$12,410
FDW's Personal BelongingsS$300S$720
FDW ReplacementS$500S$490
Premium includes Maid Insurance Guarantee Bond – MOM

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: AXA SmartHelper Ultimate Plus Plan

AXA SmartHelper Ultimate Plus
AXA SmartHelper Ultimate Plus
  • Consider this plan if you want flexible and generous medical coverage
  • Promotion:
  • Available Add-ons: Security bond protector, hospitalisation top-up, psychiatric care, dental care
  • Read our full review
Premiums & BenefitsAXA SmartHelperTop Tier Avg.
26-Month PremiumS$374.50S$365.68
Value ($Insured/Premium)0.731.02
Hospitalisation & SurgicalS$20,000S$23,071
Medical ExpensesS$3,000S$2,786
3rd Party LiabilityS$5,000S$17,750
Re-Hiring ExpensesS$750S$490

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 $374.50, 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 plan if you want flexible and generous medical coverage
  • Promotion:
  • Available Add-ons: Security bond protector, hospitalisation top-up, psychiatric care, dental care
  • Read our full review
Premiums & BenefitsAXA SmartHelperTop Tier Avg.
26-Month PremiumS$374.50S$365.68
Value Ratio0.731.02
HospitalisationS$20,000S$23,071
Medical ExpensesS$3,000S$2,786
3rd Party LiabilityS$5,000S$17,750
Re-Hiring ExpensesS$750S$490

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 $374.50, 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 3A

InsuredUnited Domestic Maid Insurance Plan 3A
InsuredUnited Domestic Maid Insurance Plan 3A
  • Consider this plan if you want flexible and generous medical coverage
  • Promotion:
  • Available Add-ons: Security bond protector, hospitalisation top-up, psychiatric care, dental care
  • Read our full review
Premiums & BenefitsInsured United Plan 3ATop-Tier Avg.
26-Month PremiumS$369.15S$365.68
Value ($Insured/Premium)1.801.02
HospitalizationS$30,000S$23,071
Personal AccidentS$60,000S$60,714
3rd Party LiabilityS$75,000S$17,750
Wage Reimbursement (annual)S$14,600S$12,410
FDW's Personal BelongingsS$500S$720
FDW ReplacementS$500S$490
Premium includes waiver of counter indemnity add-on

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 $369.15 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 plan if you want flexible and generous medical coverage
  • Promotion:
  • Available Add-ons: Security bond protector, hospitalisation top-up, psychiatric care, dental care
  • Read our full review
Premiums & BenefitsInsured United Plan 3ATop-Tier Avg.
26-Month PremiumS$369.15S$365.68
Value ($Insured/Premium)1.801.02
HospitalizationS$30,000S$23,071
Personal AccidentS$60,000S$60,714
3rd Party LiabilityS$75,000S$17,750
Wage Reimbursement (annual)S$14,600S$12,410
FDW's Personal BelongingsS$500S$720
FDW ReplacementS$500S$490
Premium includes waiver of counter indemnity add-on

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 $369.15 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: "BESTMAID" for 25%
  • Available 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
  • Promotion: 25% off + up to S$15 cashback with promo code "VCMAID25"
  • Available 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
Consider these plans if you want affordable coverage and bond benefits for your Filipino & Malaysian FDWs

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.

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Consider these plans if you want affordable coverage and bond benefits for your Filipino & Malaysian FDWs
  • Etiqa Promotion: 25% off + up to S$15 cashback with promo code "VCMAID25"
  • 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: "BESTMAID" for 25%
  • 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.

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.

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.

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 analyzed 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.

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