Maid Insurance in Singapore: What Employers Need to Know

When you employ a foreign domestic worker in Singapore, MOM requires you to buy medical and personal accident insurance, and to provide a S$5,000 security bond (for non-Malaysian helpers). Here’s what that means in practice.

What MOM requires

• Medical insurance with a minimum coverage for the helper’s inpatient care and day surgery.
• Personal accident insurance with a minimum sum assured.
• A S$5,000 security bond (a guarantee to MOM), usually satisfied by the insurance policy rather than cash.

What a typical policy covers

• Hospitalisation and surgical expenses for the helper.
• Personal accident payout.
• Repatriation costs and, in many plans, wage compensation and re-hiring costs.

How much does it cost?

Maid insurance commonly costs around S$250–S$600 per year depending on the coverage tier and duration (26-month policies usually offer better value than annual). Compare plans on coverage limits, not just price.

Planning your overall budget? See our full guide to the cost of hiring a maid in Singapore.