Maid insurance
Does maid insurance cover pregnancy?
As of 28 Oct 2026 (Singapore time)
No. 13 of the 14 insurers we compare list pregnancy, childbirth and their complications as an exclusion, and 1 does not name it either way. Maid insurance pays for a helper's illness and accidents, not the costs of a pregnancy, whichever plan you choose. The six-monthly medical examination includes a pregnancy test.
The figures
- Insurers compared: 14, with 79 plans between them.
- Insurers that exclude it on every plan: 13.
- Insurers whose documents do not say: 1.
- MOM requires every helper to have at least S$60,000 a year of hospital and surgical cover and S$60,000 of personal accident cover.
- A work permit holder must take the six-monthly medical examination (6ME), which includes a pregnancy test.
What each insurer says
| Insurer | Covered? | What the policy says | From |
|---|---|---|---|
| MSIGNofrom S$447.88 | No | Standard6 of its 6 plansExcluded: Pregnancy, childbirth, abortion and complications; birth defects, congenital and hereditary conditions | S$447.88 |
| ECICSNofrom S$478.50 | No | Classic6 of its 6 plansExcluded: Pregnancy, childbirth, miscarriage, abortion, sterilisation, menopause and complications | S$478.50 |
| UOINofrom S$508.30 | No | UOB InsureHelper Plus Basic (underwritten by UOI)3 of its 3 plansExcluded: Pregnancy, childbirth, abortion and complications; birth defects, congenital and hereditary conditions | S$508.30 |
| EtiqaNofrom S$551.92 | No | Plan A3 of its 3 plansExcluded: Maternity charges (including Caesarean operations or abortions and complications) | S$551.92 |
| LibertyNofrom S$555.90 | No | Standard4 of its 4 plansExcluded: Pregnancy, childbirth, abortion and complications; birth defects | S$555.90 |
| HL AssuranceNofrom S$561.50 | No | Maid Protect360 Pro Basic8 of its 8 plansExcluded: Pregnancy, menopause, miscarriage, abortion, sterilisation, childbirth and their complications | S$561.50 |
| IncomeNofrom S$565.71 | No | Basic Plan9 of its 27 plansExcluded: Pregnancy, childbirth, miscarriage and their complications | S$565.71 |
| India InternationalNofrom S$572.25 | No | i-Maid Standard2 of its 2 plansExcluded: Pregnancy, infertility, contraception, sterilisation, miscarriage, menopause, childbirth, abortion and complications | S$572.25 |
| FWDNofrom S$573.37 | No | Essential3 of its 3 plansExcluded: Maternity: pregnancy, miscarriage, childbirth, Caesarean operations, abortion and complications | S$573.37 |
| EQ InsuranceNofrom S$616.94 | No | EQ MaidSafe (Plan 1)2 of its 2 plansExcluded: Infertility, childbirth, abortion, and their related charges and complications | S$616.94 |
| SompoNofrom S$634.50 | No | Standard6 of its 6 plansExcluded: Maternity charges, pregnancy, childbirth, abortion, miscarriage and complications | S$634.50 |
| AIGNofrom S$671.52 | No | AIG Domestic Helper Insurance Classic4 of its 4 plansExcluded: Pregnancy, childbirth, miscarriage, abortion, sterilisation and complications | S$671.52 |
| ChubbNofrom S$876.58 | No | DBS Domestic Helper Protect Classic (underwritten by Chubb)2 of its 2 plansExcluded: Pregnancy, childbirth, miscarriage or abortion and complications | S$876.58 |
| Great EasternNot statedfrom S$575.52 | Not stated | Silver3 of its 3 plansThe plan's documents do not mention it. | S$575.52 |
All prices include 9% GST. A dash means the plan has no price for this example. Each insurer's policy wording is the final word on what is covered.
See every insurer's price for your own answers, with each plan's cover side by side.
Compare maid insuranceQuestions people ask
Does maid insurance cover pregnancy?
No. 13 of the 14 insurers we compare list pregnancy, childbirth and their complications as an exclusion, and 1 does not name it either way. Maid insurance pays for a helper's illness and accidents, not the costs of a pregnancy, whichever plan you choose. The six-monthly medical examination includes a pregnancy test.
Where do these answers come from?
From each insurer's own policy documents: the benefit table and exclusions of every live plan we compare, 79 plans from 14 insurers. The policy wording is the final word on what is covered.
Which plan is cheapest?
Prices depend on your answers: get a quote to see every insurer's price for you.