Understanding MOM Requirements for Maid Insurance in 2025
Introduction to MOM Maid Insurance Requirements
The Ministry of Manpower (MOM) in Singapore has established comprehensive insurance requirements for foreign domestic workers (FDWs) to ensure their well-being and protect both employers and helpers. Understanding these requirements is crucial for anyone employing a domestic helper in Singapore.
Key Updates for 2025
- • Increased minimum medical coverage requirement to S$15,000 per year
- • Enhanced personal accident coverage requirement to S$60,000
- • New COVID-19 coverage requirements maintained
Mandatory Insurance Coverage Requirements
1. Medical Insurance Coverage
Employers must purchase medical insurance with the following specifications:
- • Minimum coverage of S$15,000 per year for inpatient care and day surgery
- • Coverage for both hospital and surgical procedures
- • Pre-existing conditions may be excluded
- • Co-payment by employers capped at S$250 per year
2. Personal Accident Insurance
Personal accident coverage is mandatory to protect FDWs during both working and off-duty hours:
- • Minimum coverage of S$60,000 per year
- • Must cover sudden, unforeseen, and unexpected incidents
- • Coverage includes permanent disability and death
- • 24/7 protection, including off-days and overseas trips with employer
3. Security Bond
A S$5,000 security bond is required for each FDW, with specific conditions:
- • Must be purchased before the FDW arrives in Singapore
- • Remains in force throughout the employment period
- • Protects against breaches of Work Permit conditions
- • Can be forfeited if conditions are violated
Additional Coverage Requirements
1. COVID-19 Coverage
Insurance policies must include coverage for COVID-19 related expenses:
- • Hospitalization expenses if diagnosed with COVID-19
- • Coverage for diagnostic tests when required
- • Treatment costs as prescribed by healthcare providers
2. Repatriation Coverage
Policies should include provisions for repatriation expenses:
- • Coverage for returning the FDW to their home country
- • Applicable in cases of medical emergencies
- • Includes transportation and necessary medical escort costs
Employer Responsibilities
Essential Employer Duties
- 1 Purchase Required Coverage
Ensure all mandatory insurance requirements are met before the FDW arrives
- 2 Maintain Valid Coverage
Keep insurance policies active throughout the employment period
- 3 Understand Policy Terms
Be familiar with coverage details, exclusions, and claim procedures
- 4 Keep Documentation
Maintain proper records of insurance policies and related documents
Non-Compliance Penalties
Failing to meet MOM's insurance requirements can result in serious consequences:
- ✗ Fines up to S$10,000
- ✗ Imprisonment up to 12 months
- ✗ Ban from employing FDWs
- ✗ Forfeiture of security bond
Choosing the Right Insurance Policy
Coverage Benefits
- ✓ Higher coverage limits
- ✓ Additional medical benefits
- ✓ Dental coverage
- ✓ Outpatient treatment
Service Features
- ✓ 24/7 emergency assistance
- ✓ Direct billing facilities
- ✓ Easy claim procedures
- ✓ Mobile app support
Conclusion
Understanding and complying with MOM's maid insurance requirements is essential for all employers of foreign domestic workers in Singapore. While meeting the minimum requirements is mandatory, considering additional coverage can provide better protection for both employers and helpers.
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