Personal Accident Plans
S$0 agency fees when you buy Maid Insurance online!
Get Maid Insurance, an insurance plan underwritten by MSIG Insurance in just minutes. Simply click on the buy now button to purchase. You will even save on agency fees when you buy online.
If you would like to renew your Maid Insurance, just follow the steps below when you receive the Work Permit renewal notice from Ministry of Manpower (MOM).
|BENEFITS AT A GLANCE||SUM INSURED/LIMIT|
|1. Personal Accident|
|S$60,000 per year|
|S$60,000 per year|
|2. Hospital and Surgical Expenses|
|S$15,000 per year|
|3. Replacement Maid Expenses||S$500|
|4. Wages and Levy Reimbursement||S$30 per day;|
maximum up to 30 days
|5. Repatriation Expenses||S$10,000|
|6. Termination Expenses||S$300|
|7. Special Grant|
(Payment to the foreign domestic helper's estate or legal personal representative in the event of her death in the course of her employment)
|8. Liability to Third Parties||S$5,000|
|9. Maid's Personal Belongings||S$300|
|10. Insurance Guarantee Bond (to Ministry of Manpower)||S$5,000|
|11. Additional Hospital and Surgical Expenses per year||(i) S$5,000|
|12. Waiver of Counter Indemnity||S$5,000 (subject to an excess of S$250)|
|13. Employer’s Liability||(i) S$300,000|
|14. Insurance Guarantee Bond|
(to Philippine Overseas Labour Office, Singapore)
|(i) S$2,000 (for hiring through an accredited maid agency)|
(ii) S$7,000 (for direct hiring or through a non-accredited maid agency)
|26 months policy||Premium|
|Basic Plan with Waiver of Counter Indemnity||S$299.60|
|Additional Hospital and Surgical Expenses per year|
|Insurance Guarantee Bond (as required by the Philippine Overseas Labour Office, Singapore)|
The premium is inclusive of 7% GST.
What does the Maid Insurance cover?
It is a comprehensive package of benefits that includes Accidental Death or Permanent Disablement,Hospital & Surgical Expenses, Replacement Maid Expenses, Wages & Levy Reimbursement, Repatriation Expenses, Insurance Guarantee Bond and other benefits.
How does the Maid Insurance meet the Ministry of Manpower’s (MOM) requirements for foreign domestic helper?
The MOM’s requirements of Personal Accident cover of S$60,000 per year, Hospital & Surgical Expenses of at least S$15,000 per year and Insurance Guarantee Bond of S$5,000 for your foreign domestic helper are included in the Maid Insurance. These are in line with MOM’s revised requirements effective 1 October 2017.
If my foreign domestic helper is injured and requires outpatient treatment, will the treatment expenses be covered?
Yes, you can claim up to S$1,000 (including treatments by registered Chinese Medicine Practitioner or Chiropractor, subject to a maximum of S$100 per injury) for outpatient treatments due to Accident.
How does the Replacement Maid Expenses benefit work?
The Policy will pay up to S$500 for the agency fees incurred in hiring a replacement foreign domestic helper in event of termination of the foreign domestic helper’s services due to Accidental Death, Injury from Accident or Illness as certified by a Medical Practitioner, provided the replacement is employed within 90 days from the date of termination.
How does the Wages & Levy Reimbursement benefit work?
The Policy will pay a fixed sum per day up to 30 days if your foreign domestic helper is hospitalised due to an Accident or Illness except pre-existing condition.
How does the Insurance Guarantee Bond work?
MSIG Insurance will issue a Letter of Guarantee for the sum of S$5,000 as a security bond on your behalf to the MOM. As such, you do not need to pay the S$5,000 cash up front to MOM when you are applying for a foreign domestic helper. MSIG Insurance can also issue a Letter of Guarantee to the Philippine Overseas Labour Office in Singapore (“POLO”) on your behalf if you need.
In event that a demand is made by MOM and/or POLO, MSIG Insurance will make the payment first and recover it from you under the Counter Indemnity arrangement of the insurance.
When will the Insurance Guarantee Bond be transmitted to MOM?
The Guarantee details will be transmitted to MOM within 2 working days from date of application.
What can I do if I want to increase the Hospital and Surgical Expenses coverage for my foreign domestic helper?
You may purchase the optional additional cover of up to S$15,000 per year with an additional premium.
How does the Waiver of Counter Indemnity work?
MSIG Insurance will waive their rights to recover the security bond of S$5,000 paid to MOM against you, subject to the first S$250 which you have to bear.
How does the Employer’s Liability cover work?
The Policy will pay up to S$500,000 (depending on the optional cover selected) for legal costs and expenses in the event that you are legally liable for your foreign domestic helper sustaining injuries or disease arising out of and in the course of her employment by you.
Can the Policy be cancelled?
Either you or MSIG Insurance can cancel the Policy by giving the other party 14 days’ notice in writing. If you cancel the Policy, you will receive a short-period refund of premium paid for the unexpired period of insurance, subject to a minimum charge of S$50. There will be no refund of premium if the Policy is cancelled after 180 days from the commencement of insurance and in the event of a claim.
How do I make a claim?
Please notify MSIG Insurance in writing of any event giving rise or likely to give rise to a claim under the Policy as soon as possible but in any case within 21 days of the happening of such event. You will need to complete a claim form and provide all information, evidence or supporting documents e.g. receipts, medical certificates or reports at your own expense, which MSIG Insurance may require to assess your claim.
For more claims related enquiries, please call MSIG 24-Hour Claims Hotline at 6827 7660 or email your questions to email@example.com
What if I have more questions about this insurance?
Please contact MSIG Insurance Customer Centre at 6827 7607 (Mon – Fri , 8.45am – 5.30pm) or email your questions to firstname.lastname@example.org
Please refer to the policy wordings for the full details of the terms, conditions and exclusions of this insurance.
Maid Insurance is underwritten by MSIG Insurance (Singapore) Pte. Ltd. ("MSIG Insurance") and distributed by DBS Bank Ltd ("DBS"). It is not an obligation of, deposit in or guaranteed by DBS. This is not a contract of insurance. Full details of the terms, conditions and exclusions are provided in the policy wordings and will be sent to you upon acceptance of your application by MSIG Insurance.
This Policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). For more information on the scheme, please visit the General Insurance Association or SDIC websites.
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