Maid Insurance in Singapore: Understanding Regulations and Benefits

When you hire a domestic helper in Singapore, there is much to consider beyond finding someone who fits your family’s needs well. One crucial aspect is making sure you are properly covered with insurance. In Singapore, having maid insurance goes beyond meeting legal requirements. It is an important part of protecting both yourself and your helpers. This insurance covers various situations, ensuring peace of mind for everyone involved. So, let us take a closer look into what maid insurance is all about, looking closely at the regulations you need to follow and the benefits it brings.

What Exactly is Maid Insurance?

Think of maid insurance as a safety net for foreign domestic helpers and employers in Singapore. It is designed to provide financial protection, covering any work-related accidents and medical expenses while you employ them.

The Ministry of Manpower in Singapore is quite clear about the rules. Before your domestic helper starts their job, you must have secured medical and personal accident insurance. It’s crucial to note that the cost of this insurance cannot be passed on to the helper; as their employer, it is your responsibility to cover these expenses.

Furthermore, the insurance policies you choose must meet the minimum requirements set by the Ministry of Manpower. Medical insurance should offer at least S$15,000 per year for inpatient care and day surgery that your helper might need during their time in Singapore. Personal accident insurance must also satisfy specific criteria, ensuring your helper is compensated in case of an accident leading to permanent disability or death.

• Have a sum assured of at least S$60,000 per year.
• Cover sudden, unforeseen, and unexpected incidents resulting in permanent disability or death.
• Does not contain exclusion clauses that are not in the Employment of Foreign Manpower Regulations
• Any compensation must be paid to your helper or her beneficiaries. The lump sum compensation helps to protect your helper and her family if she is permanently disabled or dies from an accident.

Benefits of Having a Maid Insurance

While it is clear that following the law is important, the advantages of maid insurance in Singapore go well beyond just doing what the government says. This insurance works like a safety net, bringing significant benefits not just for you, the employer, but also for your helpers:

Safety and Peace of Mind: Domestic helpers face many risks, from getting sick to having accidents while working. A good insurance plan keeps them safe from these unexpected events, giving you and your helper peace of mind. It makes sure your helper is well looked after.

Cost-effective Coverage: By using services like Bliss Helper, you can find affordable insurance options that do not skimp on coverage. They work with top insurance companies to give you great deals, ensuring your helper’s safety without breaking the bank.

Protection Against COVID-19: Despite COVID-19 becoming a part of our everyday lives, it remains a significant worry for families with vulnerable members. Therefore, it’s important to have insurance that covers hospital expenses for COVID-19. Services like Bliss Helper ensure their policies offer this essential coverage, providing your helper with the necessary medical support during challenging periods.

Simple Insurance Process: Buying insurance can be tricky, with many complex terms and paperwork. However, Bliss Helper makes it all easy, offering advice on different insurance plans and handling all the details for you so you can easily find the right plan for your needs.

Conclusion

In conclusion, ensuring that the right insurance covers your domestic helper in Singapore is very important. This step is more than just doing what the law says; it gives your helper extra safety and support. Singapore domestic helper insurance is there to handle the large expenses that come with illnesses or accidents, preventing any shock or stress from unexpected bills. By securing this insurance, you show a deep level of care for your helper’s well-being. This act of concern goes a long way in making them feel important and inspired to give their best effort. Such a gesture safeguards them against unforeseen health issues and strengthens the bond between you and your helper, creating a more harmonious and productive household. 

Bliss Helper, Your One-Stop Service For All Domestic Helper Need

Ready to prioritise peace of mind and ensure your domestic helper is fully protected with the right maid insurance in Singapore?

Bliss Helper is here to simplify the process, offering services including, domestic maid insurance in Singapore, medical examination, work permit application, flight tickets as well as pre-arrival stay. Everything will be taken care of for you, ensuring you find the perfect fit and enjoy the peace of mind that comes from knowing your household is protected. Enquire now to find out more!