Every employer in Singapore must comply with work permit, levy, and insurance requirements when hiring a domestic helper. These rules protect both the employer and the helper, and they ensure that the helper has basic medical coverage. Understanding the process early helps you budget accurately and avoid delays in the hiring timeline.
Work permit essentials
A licensed maid agency usually submits the work permit application on your behalf. You will need to provide income documents and confirm that your household meets the eligibility criteria. After approval, the helper must complete medical screening and any required orientation before starting work.
- Provide income documents and sign the employment contract
- Submit work permit application through a licensed agency
- Plan the helper arrival timeline and medical screening
- Keep permit details updated if employment terms change
Levy and concession planning
The monthly levy is a fixed cost that depends on your household eligibility for concessions. Ask your agency to explain the levy tier and expected payments. Set reminders for due dates so payments do not lapse. Levy planning should be part of your long term budget, not an afterthought.
Insurance and security bond
Employers must buy medical and personal accident insurance coverage for the helper. A security bond is also required. Confirm policy limits, coverage periods, and renewal dates. Keep records of all policy documents so you can respond quickly if there is a claim or inspection.
- Medical insurance for hospitalization coverage
- Personal accident insurance for work related incidents
- Security bond to meet regulatory requirements
- Renewal schedule tracked on a calendar
Record keeping and renewals
Keep a simple folder with permit documents, insurance certificates, and payment records. Set reminders a month before renewals so you have time to update policies. If the helper details or employment terms change, inform the agency and update records promptly.
- Store copies of the work permit and insurance policies
- Track levy payment dates and receipts
- Confirm renewal dates at least once each quarter
- Update records when salary or duties change
Working with your agency
A good agency can simplify compliance, but you should still understand each requirement. Ask the agency to explain what they submit and what you must maintain. Keep a shared checklist so both sides know which steps are complete.
- Request a clear timeline for permit approval
- Confirm who pays each insurance invoice
- Ask how changes in employment terms are handled
- Keep a direct contact for urgent questions
If you change address, salary, or job scope, inform the agency promptly so records stay accurate. Clear updates prevent compliance issues and ensure the helper remains properly covered.
Missing payments or outdated documents can create delays or penalties. Treat compliance as part of household planning, just like insurance or school schedules.
Regular reviews keep you prepared if regulations or levy tiers change. Ask your agency for updates during annual renewals.
Keep digital backups so you can access documents quickly when needed.
When you understand work permit, levy, and insurance requirements, you reduce risk for your household. The process is manageable when you track dates and keep documents organized. A good agency can guide you, but the responsibility ultimately sits with the employer, so clear planning is essential.
- work-permit
- levy
- insurance