Hospitalization & Surgical Coverage
Up to SGD 15,000/year
Domestic helper protection — covering medical care, personal accident, and liability, so you can support those who support your home.
IPG’s Maid Insurance plans cover everything from medical emergencies to personal accident protection, ensuring your helper is taken care of no matter what happens.
We know how busy life can be, and IPG’s claims process is designed to be fast and hassle-free. From direct billing at hospitals to efficient claim handling, we make sure you get the support you need, when you need it, so you can focus on your family without worrying about paperwork.
Our plans offer options like the MOM bond waiver, which limits your financial liability in case of unforeseen situations, reducing stress and giving you confidence. You can also add daily allowances during your helper’s recovery, making IPG’s plans adaptable to your family’s specific needs and budget.
High coverage limits, global protection, compliance with MOM requirements.
Transfer your policy to IPG for free. We'll handle renewals and answer your questions. Just write us and we'll contact you by the next working day.
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A: Maid insurance, also known as Foreign Domestic Worker (FDW) insurance, provides essential protection for both employers and domestic helpers in Singapore.
It covers:
This insurance is mandatory and plays a vital role in helping employers manage financial risks if their domestic helper falls ill, gets injured, or passes away while living and working in their household.
Without adequate coverage, employers may be legally and financially responsible for the helper’s medical care and compensation.
A: Yes. The Ministry of Manpower (MOM) mandates that all employers purchase maid insurance before the helper arrives in Singapore or has their work permit renewed.
MOM’s minimum insurance requirements:
Employers must ensure:
A: Most maid insurance policies in Singapore include a combination of mandatory and optional benefits, such as:
Core Inclusions:
Optional Add-ons (in higher-tier plans):
Coverage varies significantly between basic, mid-tier, and premium plans, so employers should assess their helper’s needs and their own risk tolerance.
A: Yes but only in certain plans.
Basic maid insurance policies focus on hospitalisation due to accidents or serious illness, often excluding general outpatient care or chronic conditions. However, comprehensive or upgraded plans may include:
To ensure more holistic protection:
A: In most cases, maid insurance policies in Singapore are non-refundable and non-transferable, but whether you can claim or get a refund depends on the type of benefit and the reason your helper left.
Here’s how it works:
You can claim if:
You typically can’t claim if:
A: Some insurers may offer pro-rated refunds of the premium if no claim has been made, and:
Note: Not all insurers offer this, and refund policies vary. The MOM-mandated security bond portion is typically not refundable.
INTERNATIONAL PROTECTION GROUP PTE LTD.
#27-01 Prudential Tower,
30 Cecil Street,
Singapore, 048623
