In Singapore, hiring a foreign domestic helper comes with clear legal responsibilities. One of the most important requirements under the MOM maid insurance rules is that employers must purchase valid maid insurance before the helper starts work. This insurance is not optional. It is designed to protect both employers and helpers in the event of accidents, illnesses, or unexpected situations.

Proper maid insurance Singapore employers rely on provides financial support during medical emergencies, and ensures helpers receive proper care while working in Singapore. Without adequate coverage, employers may face high out-of-pocket costs and compliance issues.

At ECICS, we understand these responsibilities well. ECICS maid insurance offers reliable, affordable, and practical coverage backed by decades of experience. As a trusted, homegrown insurer regulated by the Monetary Authority of Singapore (MAS), we provide maid insurance in Singapore that employers can depend on for peace of mind.

Understanding Maid Insurance and Its Legal Requirements

What Is Maid Insurance?

Maid insurance, also known as domestic helper insurance Singapore employers must buy, is a compulsory insurance policy required by the Ministry of Manpower (MOM). It is designed to protect both the employer and the helper during the employment period.

The purpose of maid insurance is to:

• Cover medical expenses: Provides a mandatory minimum coverage of S$60,000 per year for inpatient care and day surgery.
• Provide personal accident benefits: Ensures a lump-sum compensation of at least S$60,000 for your helper or her beneficiaries in the event of accidental death or permanent disability.
• Offer liability protection: Protects helpers from legal costs and third-party claims caused by accidental negligence during her duties.
• Emergency repatriation: Reimburses the cost (usually up to $10,000) to send your helper back to her home country if she is certified medically unfit to work or passes away

The Ministry of Manpower (MOM) sets minimum coverage requirements that every employer must meet. These rules help ensure helpers receive proper medical care while protecting employers from unexpected financial liabilities.

Why Employers Must Have It

Employers must have maid insurance for both legal and practical reasons.

From a legal standpoint, failing to comply with MOM maid insurance requirements can result in serious administrative penalties, the revocation of your helper’s Work Permit, or even being barred from hiring a helper in the future. From a practical perspective, maid insurance offers:

• Financial protection against high medical or accident-related costs
• Legal protection if liability claims arise
• Assurance that helpers are properly cared for during employment

Having proper maid insurance creates a safer and more stable working arrangement for both parties.

ECICS Maid Insurance: Comprehensive Coverage for Every Employer

ECICS maid insurance is designed to meet MOM requirements while offering meaningful protection beyond the basics. Our plans are suitable for first-time employers and experienced households alike.

What distinguishes ECICS as a top provider of domestic helper insurance in Singapore includes:

• Clear and straightforward coverage: Our plans are designed for total transparency, ensuring they meet all MOM requirements—including the mandatory $60,000 annual medical limit—without hidden clauses
• Affordable premiums with real value: We combine competitive pricing with high-impact benefits.
• Reliable support from policy purchase to claims: Skip the manual data entry by using Singpass to autofill your application. Along with automated MOM bond transmission, our process is built to save you time and ensure your helper’s paperwork is handled accurately and instantly. In summary, ECICS is known for dependable service and practical insurance solutions tailored to local needs.

Trusted by thousands of employers, ECICS is known for dependable service and practical insurance solutions tailored to local needs.

Coverage Breakdown: What’s Included in ECICS Maid Insurance

Our ECICS maid insurance plans are designed to meet MOM maid insurance requirements while offering practical and reliable protection for both employers and domestic helpers. We offer three plan options — Classic, Deluxe, and Exclusive — so employers can choose the level of coverage that best suits their needs.

Hospitalisation & Surgical Expenses

All ECICS maid insurance plans provide strong and reliable medical coverage, including treatment for COVID-19, pre-hospitalisation treatment (up to 90 days before admission), and post-hospitalisation treatment (up to 90 days after discharge) for the same medical condition.

Medical Expenses & Co-payment Structure

ECICS medical coverage is designed to help employers manage healthcare costs while ensuring helpers receive proper and timely treatment:

• First S$15,000 of medical expenses: Fully covered with no co-payment
• Amounts above S$15,000:
  
  • 75% paid by ECICS
  • 25% paid by the employer

Annual Medical Limits by Plan

• Classic Plan: Up to S$60,000 per year
• Deluxe Plan: Up to S$70,000 per year
• Exclusive Plan: Up to S$80,000 per year

This structured approach ensures compliance with MOM requirements while offering employers flexibility to choose higher coverage levels based on their needs. It also provides reassurance that helpers are well protected throughout their employment period.

Personal Accident Coverage

Personal accident benefits provide financial support if your helper suffers a serious injury or accidental death.

• Coverage limits by plan:
  
  • Classic: Up to S$60,000
  • Deluxe: Up to S$65,000
  • Exclusive: Up to S$70,000
• Accidental medical expenses reimburses reasonable charges for accidental injuries certified by a Medical, Dental, or TCM Practitioner:
  
  • Classic: Up to S$1,500
  • Deluxe: Up to S$2,000
  • Exclusive: Up to S$2,500

This ensures added protection for your helper’s well-being beyond standard medical coverage.

Daily Hospitalisation Benefit

If your helper is hospitalised, ECICS provides a daily cash benefit worldwide for up to 90 days.

• Classic: S$15 per day
• Deluxe: S$20 per day
• Exclusive: S$25 per day

This benefit helps cover daily expenses during hospital stays.

Wages & Levy Reimbursement

To support employers during long hospital stays, ECICS reimburses wages and levy costs while your helper is hospitalised.

• Reimbursement of up to S$30 per day
• Coverage for up to 90 days

This reduces the financial impact on employers when helpers are unable to work due to medical reasons.

Domestic Helper’s Liability

All plans protect against legal responsibility for accidentally injuring someone or damaging third-party property while the helper is performing her duties at the insured address. Coverage of up to S$10,000. This covers both legal costs/expenses and any judgment amounts awarded by a Court in Singapore. 

Security Bond Guarantee (MOM Requirement) 

Every ECICS maid insurance plan includes a S$5,000 security bond, as required by the Ministry of Manpower. 

• Fully compliant with MOM maid insurance regulations 
• Ensures employers meet work-permit obligations

Security Bond Guarantee (MOM Requirement)

Every ECICS maid insurance plan includes a S$5,000 security bond, as required by the Ministry of Manpower.

• Fully compliant with MOM maid insurance regulations
• Ensures employers meet work-permit obligations

Optional Add-ons for Enhanced Protection 

• Outpatient Medical Expenses Rider: Covers medical expenses incurred for illnesses at panel clinics up to $60 per visit. (Available for helpers aged 50 and below). 
• Waiver of Co-payment: Covers the 25% share that an employer has to pay for bills above $15,000. 
• Waiver of Counter Indemnity (Bond Waiver): Reduces your $5,000 bond liability to just a $250 excess if the bond is forfeited. 

With flexible plan options and clearly defined benefits, ECICS maid insurance delivers dependable helper insurance Singapore employers can trust — offering the right balance of protection, compliance, and peace of mind.

How to Buy Maid Insurance Online in Singapore

Buying maid insurance has become more convenient with online options. At ECICS, employers can buy maid insurance online Singapore quickly and securely.

Step-by-step process:

1. Choose a suitable maid insurance plan
2. Prepare employer and helper details
3. Complete the online application form
4. Review coverage and confirm payment
5. Receive policy confirmation and documents
6. ECICS automatically transmits your insurance and bond details to MOM
7. Check your bond status on MOM portal 3 working days later
8. Proceed with Work Permit issuance or helper arrival

Documents typically required include:

• Employer identification details (NRIC/FIN and contact info)
• Domestic helper’s personal information (Full name, Passport Number, and Date of Birth)
• Work permit information (IPA number for new helpers or FIN for renewals/transfers)

Benefits of buying online include:

• Instant or fast approval
• Secure payment
• Quick policy issuance

Maid Renewal Insurance: Keeping Your Helper Protected

Maid renewal insurance is important when extending your helper’s contract. Coverage must remain active at all times to meet MOM requirements.

Renewing early helps:

• Avoid gaps in coverage
• Ensure continuous medical and accident protection
• Prevent compliance issues

At ECICS, we make maid renewal insurance easy with clear reminders and a straightforward renewal process. Employers can renew online with minimal paperwork, ensuring uninterrupted protection for their helpers.

How ECICS Compares to Other Maid Insurance Providers

What sets ECICS apart is our focus on clarity, reliability, and service. We believe insurance should be easy to understand and dependable when you need it most. Employers choose ECICS maid insurance because we go beyond basic compliance to deliver meaningful benefits and trusted support.

• Transparent policy terms – Our plans clearly show what is covered and how it works. You can see limits for hospitalisation, personal accident benefits, repatriation support, daily hospital cash, and liability coverage without hidden surprises. We also include a S$5,000 security bond guarantee that fulfils MOM maid insurance requirements.
• 90-Day, 100% Refund Guarantee – Enjoy greater hiring flexibility. If your plans change within the first 90 days, 100% of your premium is credited toward a replacement ECICS policy, helping you avoid the administrative penalties common with other insurers.
• Cashless Outpatient Medical Network (Optional Add-on) – Through our partnership with Fullerton Health, your helper can visit a wide network of panel clinics for common illnesses with a simplified $10 co-payment and no manual claim forms.
• Comprehensive coverage that meets real needs – All ECICS Enhanced MaidAssure plans provide comprehensive protection by covering hospitalisation and surgical expenses necessarily incurred in Singapore government or restructured hospitals, which includes treatment for COVID-19 and associated pre- and post-hospitalisation care for up to 90 days. For added financial security, these plans include a daily hospitalisation benefit for each consecutive day of stay up to a maximum of 90 days, and reimbursement for pro-rata wages and the Government Levy (up to 90 days) during your helper’s hospital stay. Furthermore, all plans offer domestic helper’s liability protection, which covers legal costs and court-awarded judgment amounts if your helper is legally responsible for accidentally injuring someone or damaging property while performing her duties. To ensure even greater peace of mind, we offer optional add-ons such as a waiver of the 25% co-payment for medical bills exceeding S$15,000 and outpatient medical coverage for non-chronic illnesses, available for helpers below 51 years old.
• Trusted customer support backed by decades of experience – As a homegrown insurer established in 1975, we bring strong local expertise and a long history of serving families and employers in Singapore. We handle security bond transmissions directly to MOM for you and offer helpful support throughout your insurance journey.

These strengths are why ECICS maid insurance continues to be regarded as one of the best maid insurance Singapore choices — offering clear protection, reliable service, and confidence for employers and helpers alike.

Frequently Asked Questions

What does MOM maid insurance require from employers?

To legally employ a domestic helper in Singapore, employers must provide a minimum level of protection across these three key areas: 

• Medical Coverage: You must provide at least S$60,000 per year for hospitalisation and surgical expenses. This covers inpatient care and day surgeries in Singapore Government or re-structured hospitals. 
• Personal Accident Insurance: You must have a minimum sum insured of S$60,000 for death or permanent disability. This benefit is paid to your helper or her family if she sustains a serious accidental injury. 
• Security Bond: You are required to furnish a S$5,000 security bond to MOM. ECICS provides this guarantee on your behalf so you do not have to deposit the full cash amount upfront. 

How much does maid insurance cost in Singapore?

Costs vary depending on coverage level and duration. Comprehensive plans cost more but provide wider protection.

What is the coverage period for domestic helper insurance?

The insurance coverage period is typically for a duration of 14 months or 26 months, as specified in your Certificate of Insurance.

Why is the maid insurance coverage period 14 or 26 months instead of 1 or 2 years?

This is designed to meet Ministry of Manpower (MOM) requirements. The additional two-month buffer ensures continuous coverage for unforeseen circumstances, including any delays around the end of the Work Permit period.

What happens if I don’t renew maid insurance on time?

Failing to renew your maid insurance on time can result in: 

• MOM Non-Compliance: You will breach Ministry of Manpower (MOM) regulations, which require a valid S$5,000 security bond and insurance for the entire duration of your helper's employment. Commented [GJ39]: As mentioned above 
• Total Loss of Coverage: Your policy will not attach if the premium is not received by the inception date. You will be personally liable for all costs related to hospitalisation, surgery, and personal accidents. 
• Security Bond Forfeiture Risk: Without active insurance, your bond guarantee with ECICS may lapse, potentially requiring you to deposit the full S$5,000 cash with MOM. 
• Work Permit Issues: Since valid insurance is a prerequisite for employment, a lapse may lead to the cancellation of your helper's Work Permit

Conclusion: Choose ECICS – Reliable Protection for You and Your Helper

Maid insurance plays a vital role in responsible employment. From meeting MOM maid insurance requirements to protecting both employer and helper, having the right policy brings confidence and peace of mind.

At ECICS, we are proud to offer ECICS maid insurance backed by experience, trust, and local expertise. If you are looking for dependable maid insurance Singapore employers rely on, ECICS provides clear coverage, easy purchase, and reliable support every step of the way.