Maid insurance
MOM-compliant cover for your helper, with the security bond included.
- Hospital and surgical bills, at or above the MOM minimum
- Personal accident cover of S$60,000, as MOM requires
- The S$5,000 security bond, as an insurer guarantee
What's covered
- Hospital and surgical bills, at or above the MOM minimum
- Personal accident cover of S$60,000, as MOM requires
- The S$5,000 security bond, as an insurer guarantee
- Repatriation if your helper passes away or must return home
What's not covered
- Conditions found at your helper's pre-employment medical exam
- Pregnancy and childbirth
- Cosmetic and routine dental treatment
- Self-inflicted injury
How comparing maid insurance works here
Answer a few questions about your helper and the cover you need. Every plan we show meets the Ministry of Manpower's minimum medical and personal accident cover. Each one also includes the S$5,000 security bond.
When you pick a plan, you finish buying on the insurer's own site, with your answers already filled in. The insurer sends the bond guarantee to MOM.
Before you choose
- Hospital and surgical limits differ between plans. A higher limit means fewer bills for you if your helper has a long hospital stay.
- A bond waiver protects you if the bond is lost, for example if your helper goes missing.
- Cover should start before your helper starts work, and last as long as the work permit.
What MOM requires
The Ministry of Manpower sets a minimum for every employer of a foreign domestic worker. You must buy all of it before your helper arrives in Singapore, and you can't pass the cost on to her.
- Medical insurance for hospital stays and day surgery, with an annual limit of at least S$60,000. On a bill above S$15,000, the insurer pays 75% and you pay 25%.
- Personal accident insurance of at least S$60,000, paid to your helper, or to her family, if an accident leaves her permanently disabled or she dies.
- A S$5,000 security bond for each helper, unless she is Malaysian. It is a guarantee from a bank or an insurer, and MOM can take it if you break the work permit conditions, for example if you pay her salary late or don't send her home when her permit ends.
A work permit usually lasts 2 years. If your insurance and bond last less than 26 months, the permit ends 2 months before they do. That is why new helpers are usually covered for 26 months, and 1-year renewals for 14 months.
MOM's own pages have the details: insurance requirements and the security bond.
See what each insurer charges in the maid insurance price pages, compare two insurers side by side, or check the promo codes running now.
What maid insurance costs today
- New helper, 26 months, with bond waiver14 insurers price this, from S$447.88 to S$1,339.64 (as at 5 Oct 2026).
- Renewal, 14 months, no waiver11 insurers price this, from S$280.13 to S$792.40 (as at 5 Oct 2026).
- Young helper, 26 months, with bond waiver14 insurers price this, from S$447.88 to S$1,339.64 (as at 5 Oct 2026).
Worked out today from each insurer’s current rates; a price from an insurer’s published table gives the date we read it (“as at”). Open an example to see what we assumed and every plan. Your own price depends on your answers.
Questions people ask
Is maid insurance compulsory?
Yes. MOM requires employers to buy medical and personal accident cover, and a S$5,000 security bond, before the work permit is issued.
What does the bond waiver do?
If MOM forfeits the bond, the insurer pays it. Without a waiver, the insurer can ask you to repay that S$5,000. With it, they usually cannot.
Why 14 or 26 months?
Work permits run for one or two years. The extra two months cover the time between applying and the permit being issued.