Terms & Conditions:
This benefit reimburses you the agency fee of hiring a replacement maid during the period of your maid’s hospitalisation due to death or permanent disablement. The replacement is to be employed within thirty (30) days of your maid’s death or repatriation.
The maid insurance cover ceases from the time she leaves Singapore and resumes upon her return provided her work permit is not cancelled.
This is a Ministry of Manpower (MOM) requirement. The Ministry of Manpower (MOM) requires all maid insurance and bond to have an additional 2 months of cover so that in any event or reason the maid overstays in Singapore after her work permit has expired, she is still covered under the maid insurance in Singapore.
The commencement date will be a minimum of 5 working days from the application date, but not more than 182 days. Please also note this process needs to be done before the arrival of your maid in Singapore, otherwise the Immigration and Checkpoints Authority may deny your maid’s entry and she will be sent back to her home country.
The applicant must be at least 21 years of age, and the maid must be at least 23 years of age on the start date of the policy.
If you cancel the maid insurance policy, you will receive a refund of premium based on the unexpired period of insurance. There will be no refund if the maid insurance policy is cancelled after 180 days from the commencement date of the maid insurance or if a claim has been lodged under the maid insurance policy. For more information, please see our Policy Wording, General Conditions, No. 5 on page 11.
This benefit relieves an employer by reimbursing a fixed daily sum of up to 30 days for the cost of hiring alternative domestic help during the period of your maid’s hospitalisation due to a covered injury or illness.
Our Singapore’s maid insurance scheme pays a fixed sum per day up to 30 days if your maid is hospitalised as a result of an injury or illness so long as Hospital and Surgical Expenses benefit is payable.
Medical Expenses under the Personal Accident section of our Singapore’s maid insurance scheme cover the cost of treatment (including out-patient treatment) due to accidents only. The cover under Hospital and Surgical Expenses is wider as it extends to medical expenses incurred as an in-patient of a Hospital as a result of illnesses or accident. Medical expenses incurred up to 90 days pre- and post- hospitalisation and day surgery are also covered under Hospital and Surgical Expenses.
We will reimburse the Insured for Hospitalisation and Surgical Expenses (including Day Surgery) necessarily incurred in Singapore as a result of an accident, sickness, or disease sustained by the Insured Person commencing or occurring during the Period of Insurance.
Starting from 1 Feb 2018 as required by the Embassy of the Republic of Indonesia in Singapore, employers of Indonesian maids are required to purchase a Security Bond of $6,000. This is applicable when hiring a new helper or renewing a contract.
The bond is also independent of and does not affect MOM’s requirement for all maid employers to purchase the relevant insurance and put up a $5,000 security bond.
Currently, Etiqa Insurance is working to become an accredited Security Bond provider for Indonesian maids. We will update when this service will be available. In the meantime, please click here to purchase the Security Bond.
No. There is no free-look period for our Singapore’s maid insurance policy.
You can take up our Reimbursement of indemnity paid to insurer option. It will limit your liability on the $5,000 Security Bond to $250 instead. This is provided that the breach of the $5,000 Security Bond is not due to your negligence or fault. This is an optional feature in our Singapore’s maid insurance scheme and you will need to pay an additional premium for.
We will issue a Letter of Guarantee for the sum of $5,000 as a security bond on your behalf to the Ministry of Manpower (MOM). If you require, we can also issue a Letter of Guarantee to the Philippine Overseas Labour Office in Singapore (POLO) on your behalf. If a demand is made by the Ministry of Manpower (MOM) and/or the Philippine Overseas Labour Office in Singapore (POLO) as the case may be, we will first meet the payment and recover it from you under the Counter Indemnity of the insurance. You can purchase the optional cover for a waiver of the Counter Indemnity in respect of the Letter of Guarantee to the Ministry of Manpower (MOM), paying only $250 for the Excess for your account. This frees you from the need to pay $5,000 cash up front to the Ministry of Manpower (MOM) when you are applying for a maid in Singapore.
FDW employers are required to buy Maid Insurance for their FDWs. It is part of MOM requirement.
The easiest way to get a quote or buy ePROTECT maid insurance from us is online.
You could also walk-into our Customer Care office at 16 Raffles Quay, Hong Leong Building, #01-04A, Singapore 048581 where our friendly customer care personnel will assists you or call Customer Care at +65 6887 8777.
As we would need to process and furnish your maid’s insurance details to the Ministry of Manpower (MOM), the earliest policy start date for our maid insurance is 5 days from the date of purchase and no more than 14 days from application date.
For new maids, the policy start date should be the date when your maid is coming into Singapore or earlier.
For renewal maids, the policy start date should be 1 day after your maid’s current work permit expires.
For transferred maids, the policy start date should be on or before the date you apply for a transfer with MOM.
ePROTECT maid insurance 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.
Yes, our maid insurance includes covers required by MOM and much more at affordable prices. For more details about our maid insurance, please click here.
The MOM’s requirements
For more information, please click here to refer to MOM’s “Work Permit for Foreign Domestic Workers”.