A comprehensive guide on how to choose a Domestic Helper Insurance Plan that best suits you in Singapore
25th February 2024
(5-min Read)
We offer four different plans for you to choose from, and here are some key considerations in selecting a plan that best suit your needs.
| Key Considerations | |
|---|---|
 Medical Coverage LimitProtect yourselves from costly healthcare expenses in Singapore |  0% Co-insuranceA peace of mind with Standard/Deluxe/Premier plans which waives coinsurance for hospitalization bills. This does not apply to Basic Plan. |
 Expenses during & after hospitalizationOur Standard, Deluxe or Premier plans offers additional financial help with Temporary help benefits, wages & levy reimbursement, re-hiring expenses and others, to support you during this period |  Liability CoverGet liability coverage for both injury or property damage |
Basic 26-month
$425.10Nett (incl GST)
- Letter of Guarantee to MOM: $5000
- Death: $60,000
- Medical Expenses: $500
- Hospitalization: $120,000 (Limit $60,000/year)
- 25% co-insurance applicable for claimable amount beyond first $15,000/year
- No Fidelity Gurantee
- No Recuperation Expense, Temporary Help Benefit, Wage & Levy Reimbursement, Termination & Re-hiring expense, Dialysis & Cancer Treatment
- Unique Key Benefit Highlights (see policy for detail T&Cs)
- Direct settlement with hospitals upon the admissibility of claim (less 25% co-payment if any)
- Worldwide coverage, including whilst your maid is on home leave (with valid work permit)
- Treatment by Licensed TCM registered with MOH
- Communicable diseases or illness covering hospitalisation expenses for quarantine or isolation e.g. for Covid-19, SARS, Tuberculosis, H1 N1, Dengue Fever, MERS
- Day Surgery hospital expense
- Mental conditions, self-inflicted injuries arising from attempted suicide
- Personal Accident Medical Expenses limit applies on a per accident basis, no maximum policy limit
- Hassle-free repatriation service in the demise or incapacity of your helper. Repatriation cost up to policy limit will be borne directly by the Insurer
Refund Policy
| Cancellation Period | within 60 days | 61 to 120 days | 121 to 180 days | 181 to 270 days | After 270 days |
|---|---|---|---|---|---|
| 14-month policy | 70% of premium | 50% of premium | No refund | No refund | No refund |
| 26-month policy | 70% of premium | 50% of premium | 30% of premium | 20% of premium | No refund |
Policy Documents & Brochure
This Policy is protected under the Policy Owner's Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/ LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)
