Hiring a domestic helper in Singapore comes with many responsibilities — and one of the most important is purchasing maid insurance. If you're wondering how to buy maid insurance in Singapore, this guide walks you through everything you need to know, from legal requirements to coverage options and how to make a hassle-free purchase.
Maid insurance is a mandatory insurance plan required by the Ministry of Manpower (MOM) for all employers hiring a foreign domestic worker (FDW). It provides essential coverage for medical expenses, personal accident benefits, hospitalisation, and repatriation.
Yes. Before a new helper can start work, employers must buy maid insurance that includes:
Look for licensed insurers like ECICS, known for straightforward claims, fair pricing, and helpful customer service. Compare:
Tip: Some insurers, like ECICS, allow advance purchase — so you can lock in savings now, even if your helper starts later.
Select a plan that balances affordability with strong protection. Look out for these key benefits:
You can buy maid insurance directly on the insurer’s website in just a few steps:
At ECICS, the entire process is digital — and we’ll help coordinate with MOM so you can focus on welcoming your helper.
After purchasing maid insurance, your insurer is responsible for submitting the security bond details directly to the Ministry of Manpower (MOM). This submission is essential before your helper's Work Permit can be issued.
As an employer, you do not submit this yourself, but you should:
With ECICS, bond submission is handled for you — making your hiring process smoother and compliant.
After purchase, ensure the policy is submitted to MOM to activate your helper’s Work Permit. Most insurers, including ECICS, will handle this submission for you.
Always retain a copy of the policy certificate for your records — especially in case of claims or MOM checks.
You can buy it up to 26 months before your current policy renewal date — perfect if you want to lock in a promo rate.You can buy it up to 26 months in advance with ECICS — perfect if you want to lock in a promo rate.
Yes. With ECICS, cancel within 90 days of your policy start date and get a 100% refund when you repurchase.
To get 100% refund without repurchasing, please cancel the policy before the policy start date.If you do not need to repurchase, you may get a 100% refund if you cancel before the policy incepts.
Please take note that all cancellation date shall be based on the security bond discharge date from MOM and not the work permit cancellation date.
Yes, if you visit ECICS panel clinics, your helper can receive treatment without upfront payment up to the plan limit.
Buying maid insurance in Singapore doesn't have to be stressful. By comparing plans, choosing the right coverage, and going with a trusted provider like ECICS, you can protect your helper — and your peace of mind.