Amidst the mass juggling work, family, household chores, and social life in Singapore, hiring a domestic helper is becoming a necessity. Their importance to our households is further compounded when taking into account Singapore’s growing dual-income couple culture, and rapidly aging population. If you are overwhelmed with caring for the children and elderly, along with the endless piling of house chores on top of your demanding job, a domestic helper is a great option many busy professionals consider. In fact, 1 in 5 local households has a domestic helper.
With that said, hiring a domestic helper in Singapore is not as straightforward as it seems. If you are looking to hire a helper for the first time, Singapore’s Ministry of Manpower (MOM) has set a checklist for potential employers. They will assess your eligibility based on your age, living space, mental capacity, and financial capabilities. They will ensure that you are 21 years old and above, not be an undischarged bankrupt, and have the mental capacity to fully understand and discharge your responsibility as an employer. Additionally, you are also required to attend courses, commit to a S$5,000 security bond per helper, pay levy charges, fulfill medical examination requirements, and maintain insurance for them – on top of tending to their salary and accommodation.
Previously, families planning to hire Filipino domestic workers had to submit a banker’s guarantee and a performance bond which was required by the Philippine government to ensure that employers in Singapore comply with rules, such as providing medical coverage and paying salaries on time. However, this has changed since September 2022, with banker’s guarantees and performance bonds no longer required in the process.
Now, that is quite a lot to process. With a plateau of requirements, hiring a helper entails more than just their monthly salary. In this article, we break down the necessary insurance plans you will need to purchase for your helper as part of your medical obligations to her before she arrives in Singapore.
Medical Insurance
It is mandatory to buy medical insurance for your helper, with at least S$15,000 coverage per year. This is used for any inpatient care and day surgery, if needed, during your helper’s stay in Singapore. From end-2022 onwards, minimum coverage of at least $60,000 will be required.
Personal Accident Insurance
Each employer is required to buy a personal accident insurance plan for your helper, with a minimum sum assured of S$60,000 per year. This insurance is to protect the helper and her family by providing a lump sum compensation in the event of any sudden, unforeseen and unexpected incidents resulting in permanent disability or death.
COVID-19 Coverage Insurance
Starting from 26 April 2022, fully vaccinated travelers including domestic helpers will not be required to take the pre-departure test. However, they will still be required to take a serology test within 30 days of arrival in Singapore, which cost about $100.
Medical Examination
Employers are also required to send helpers for a six-monthly medical examination (6ME) to detect signs of about. These examinations will be conducted in clinics without the employer’s presence. Employers can log on to the Ministry of Manpower (MOM)’s MDW eservice to check on the previous 6ME data and medical results. A basic 6ME cost ranges from $60 to $80 per year.
On average, all these medical expenses are estimated between $500 to $800 per year, considering the higher medical insurance cost from end-2022.
Other than this mandatory insurance, it is worth considering additional cost-saving perks for you when looking for the right insurance coverage for your domestic helper. Look out for things like:
- Outpatient medical and dental benefits
- Protection against unexpected expenses like maid termination and rehiring expenses
- Subsidized rates in medical examinations (twice a year, mandated by law)
- Enhanced medical benefit riders, covering infectious diseases such as Dengue, SARS, Malaria, Hand Foot Mouth Disease, etc.
Maid Protect360 PRO has been enhanced to meet MOM’s latest medical insurance requirements for Hospital and Surgical expenses and co-payment on Hospital & Surgical expenses. Redesigned with unique benefits to provide comprehensive coverage exclusive for you and your helper. HL Assurance has launched a new maid insurance called Maid Protect360 PRO. Click here to find out more.
HL Assurance’s Maid Protect360 PRO has been enhanced to meet MOM’s latest medical insurance requirements for Hospital and Surgical expenses and co-payment on Hospital & Surgical expenses. Maid Protect360 PRO helps you fulfill all your medical obligations to your maid and more, with a few easy clicks. Click here to find out more!
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