A peace of mind when your maid gets treated at our list of medical clinics. Full hospital bills are taken care of by us up to the benefit limits.
Assurance that temporary assistance for a replacement maid will be covered when your domestic helper needs rest due to illness or injury.
The only insurance package with high-value options. Get complimentary medical teleconsultation for both you and your maid.
Buy or Renew Maid Insurance for your helper online in just minutes for a hassle-free and convenient experience.
Choose from the various Maid Insurance Plans and pick the coverage best suited for you and your domestic helper.
Receive pay out up to $100,000 as financial protection in the event of an unforeseen accident, resulting your helper death or a permanent disability.
Get the highest hospital cash payout of up to $1,500 when your helper is hospitalised due to illness or injury.
We will waive the 25% co-payment for hospital & surgical expenses when your helper is covered under our Enhanced Plan & above, up to the benefit limit.
Assurance to provide temporary assistance for your daily needs during your maid’s hospitalisation.
Up to $80,000 protection if your maid is hospitalized in Singapore. Option to add on $10,000 with Enhanced Medical Benefit.
We replace your liability to pay $5,000 for the Security Bond. We serve as your Guarantor and will provide a Letter of Guarantee to MOM.
Get Critical Illness coverage, extended Hospitalisation and Surgical benefits, Mobility Aid expenses for your domestic helper. Plus, take advantage of our Free Medical Tele-consultation for both you and your helper when you upgrade with our Enhanced Medical Benefits.
Save with us on each mandatory medical examination compared to the walk-in price when your helper do the tests at our panel clinics.
This option will greatly limit your liability on the security bond deposit to just $250 should the Ministry of Manpower (MOM) makes a demand for the security bond payment.
Pick from the various plans and coverage that suit your needs. Buy domestic helper insurance online today.
| Accidental Death | 60,000 |
| Permanent Disablement | 60,000 |
| Accidental Medical Reimbursement | 1,000 |
| Hospital & Surgical Expenses | 60,000 |
| Replacement Maid Expenses | 200 |
| Maid Personal Belongings | N.A |
| Wages & Levy Reimbursement | N.A |
| Accidental Death | 70,000 |
| Permanent Disablement | 70,000 |
| Accidental Medical Reimbursement | 2,000 |
| Hospital & Surgical Expenses | 60,000 |
| Replacement Maid Expenses | 300 |
| Maid Personal Belongings | 1,000 |
| Wages & Levy Reimbursement | 40 |
| Accidental Death | 80,000 |
| Permanent Disablement | 80,000 |
| Accidental Medical Reimbursement | 3,000 |
| Hospital & Surgical Expenses | 80,000 |
| Replacement Maid Expenses | 500 |
| Maid Personal Belongings | 2,000 |
| Wages & Levy Reimbursement | 50 |
| Accidental Death | 100,000 |
| Permanent Disablement | 100,000 |
| Accidental Medical Reimbursement | 5,000 |
| Hospital & Surgical Expenses | 80,000 |
| Replacement Maid Expenses | 600 |
| Maid Personal Belongings | 3,000 |
| Wages & Levy Reimbursement | 60 |
Critical Illness Protect360 is an affordable plan which provides you with financial protection against illness to ensure that your family can focus on what is more important – your treatment and recovery.
High Critical Illness
Coverage
High Personal
Accident Coverage
Medical Second
Opinion
Annual Health
Screening
Get up to $30 voucher when you sign up for COVIDSAFE Travel Protect360 and pay with HL Bank Debit Card.
Customer Review by N Kalawathi
I am very pleased with the whole process. It was very hassle-free and saved my time. Simple to follow steps and not too many questions asked. And what more??? The price was right!!! Just the package I was looking for and I’m glad this package is still available. It was a pleasant experience buying a maid insurance package from HL and their response was very fast. Overall, I would give 100/100. At the end of the day, there was a huge smile on my face. Thank you HL Assurance.
Customer Review by Arnel Repeso
My maid got insured instantly at the last minute while being held in Immigration. Thanks for the fast email of the policy.
Customer Review by Ryan Poh
Many thanks for the strong support and helping us to secure this case although the official working hours is over. Great team effort and seamless communication.
Customer Review by Elizabeth
Thank you so much in getting this sorted for us! You are super efficient and professional at handling our case. I’m thoroughly impressed and appreciate HL taking the right actions to keep their customers happy and loyal!
Please click the link for terms and conditions: Lunar New Year Digital Ang Bao Draw 2024 Giveaway Terms and Conditions
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This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites ( www.gia.org.sg or www.sdic.org.sg).
A: Maid Protect360 PRO provides comprehensive, high-value coverage for all employers and their domestic helper.
The plan covers payout on Hospital and Surgical Expenses, Personal Accident protection, Alternative Maid services, Waiver of 25% Co-Payment (for Enhanced plans and above) and even outpatient privileges for the maid with subsidised consultation fee for medical and dental.
A: Maid Protect360 PRO fulfil MOM latest requirements.
We offer higher tier Premier and Exclusive plans for those who prefer to have more coverage and higher protection. There are also high value add-ons for you to boost your coverage.
A: Maid Protect360 PRO is designed for you and your helper. It provides comprehensive benefits to protect the maid which include Personal Accident, Hospital and Surgical Expenses, Replacement Maid Services, Insurance Guarantee Bond, Personal Liability to Third Parties and other benefits. In addition, you get dental and medical coverage, alternative maid services and the waiver of co-payment. In addition, your helper also enjoy subsidized rate for dental and GP medical consultation at our panel of clinics
In addition to the comprehensive coverage mentioned above, Maid Protect360 PRO also provide you with optional coverage under Enhanced Medical Benefits which includes:
A: No, there is no free look period.
A: HL Assurance will issue a Letter of Guarantee for the sum of $5,000 as a security bond on your behalf to the MOM. With this, you do not need to pay the $5,000 cash upfront to MOM when you are applying for a maid.
In the event that a demand is made by MOM, HL Assurance will make the payment first and recover it from you under the Counter Indemnity arrangement of the insurance.
You may like to purchase the optional cover for a waiver of the Counter Indemnity in respect of the Letter of Guarantee to the Ministry of Manpower (MOM), paying only $250 for the Excess for your account. By availing this option, you are relieved from the obligation of making an upfront payment of $5,000 in cash to the MOM while applying for a maid in Singapore.
A: We will reimburse the Insured for Hospitalisation and Surgical Expenses (including Day Surgery) incurred in Singapore as a result of an accident and/or sickness sustained by the maid during the period of insurance.
A: This benefit reimburses you the actual expenses incurred for the termination and agency fees for hiring a replacement maid during the period of your maid’s hospitalisation due to death or permanent disablement. The replacement maid will need to be employed within thirty (90) days of your maid’s death or repatriation.
A: The Policy excludes Pre-existing medical conditions and also communicable disease of the maid. If the injury is pre-existing, or due to suicide, pregnancy, influence of drugs etc, such conditions will also not be claimable.
A: Either you or HL Assurance can cancel the policy by giving the other party 14 days’ notice in writing. If you cancel the policy, you will receive a short period refund of premium paid for the unexpired period of insurance. The amount refund is dependable by the period of when you cancel the policy.
A: You can submit the claim form, along with the supporting documents by fax at 6224 1923 or email at claims@hlas.com.sg. Alternatively you can post it to HL Assurance office at 11 Keppel Road #11-01 ABI Plaza Singapore 089057.
A: You can find out more about Terms and Conditions for Maid Protect360 PRO here.
A: It is advisable to submit the application at least 3 working day before the start date for the maid insurance. This is to allow time for us to transmit the security bond and your maid’s insurance details to MOM.
| Maid Type | Description | Start Date For Maid Insurance |
| New Maid | Hiring maid for the first time | On or before the maid’s arrival date in Singapore |
| Renew Maid | Existing maid who is currently in Singapore and working for you | One day after the expiry date of the current work permit |
| Transfer Maid | You’re taking over maid who is currently working in Singapore | Policy start date - The agreed transfer date which is also the day you apply for issuance of the maid’s new work permit |
A: You will need the following details to apply for the Maid Insurance:
A: Below are some iIIustration based on our 4 plans for you to take reference
| Plan | Basic | Enhanced | Premier | Exclusive |
| Annual Limit for Hospital & Surgical | $60,000 | $60,000 | $80,000 | $80,000 |
| Waiver of Co-payment (25%) | No | Yes | Yes | Yes |
| Scenario 1: Helper incurs a $15,000 hospital bill for a necessary procedure | We will cover the total bill of $15,000 | |||
| Scenario 2: Helper incurs a $30,000 hospital bill for a necessary procedure | We will cover the first $15,000 Next $15,000 Co-payment applies Employer: 25% x $15,000 = $3,750 Remaining $15,000-$3,750 =$11,250 Out of the total $30,000 bill Insurer will pay $15,000 + $11,250 = $26,250 Employer will have to pay $3,750 | We will cover the first $15,000 Next $15,000 Co-payment will be waived Employer = $0 Insurer = Settle the total $30,000 | We will cover the first $15,000 Next $15,000 Co-payment will be waived Employer = $0 Insurer = Settle the total $30,000 |
|
| Balance claimable limit for the year | $60,000 – $26,250 = $33,750 | $60,000 – $30,000 = $30,000 | $80,000 – $30,000 = $50,000 | |
| Scenario 3: Helper incurs a $75,000 hospital bill for a necessary procedure | We will cover the first $15,000 (a) Next $60,000 Co-payment 25% applies $60,000 x 25% = $15,000 (b) Remaining 75% $60,000 - $15,000 =$45,000 (c) Out of the total $75,000 bill Insurer will pay (a) $15,000 (c) $45,000 (Benefit limit reached) We will pay up to annual limit $60,000 Employer will have to pay (b) $15,000 | We will cover the first $15,000 (a) Next $60,000 Co-payment 25% will be waived $60,000 x 25% = $15,000 (b) Remaining 75% $60,000 - $15,000 =$45,000 (c) Out of the total $75,000 bill Insurer will pay (a) $15,000 (b) $15,000 (c) $30,000 (Benefit limit reached) We will pay up to annual limit $60,000 Employer will have to pay (c) $15,000 | We will cover the first $15,000 (a) Next $60,000 Co-payment 25% will be waived $60,000 x 25% = $15,000 (b) Remaining 75% $60,000 - $15,000 =$45,000 (c) Out of the total $75,000 bill Insurer will pay (a) $15,000 (b) $15,000 (c) $45,000 We will pay the total bill $75,000 Employer will have to pay (c) $0 |
|
| Balance claimable limit for the year | $60,000 – $60,000 = $0 | $60,000 – $60,000 = $0 | $80,000 – $75,000 = $5,000 | |
A: We will issue a Letter of Guarantee for the S$5,000 security bond on your behalf to MOM.
If MOM makes a demand, we will first make the payment and recover the payment from you under the policy conditions of Section 9 (Refer to the policy wordings)
Suppose you opt for the optional cover for Waiver of Counter Indemnity. In that case, you only need to reimburse us the excess amount of S$250, provided that the payment is not caused by or resulting from your breach of conditions under the Security Bond.
A: If your helper is diagnosed with COVID-19 and hospitalized, we will reimburse the eligible medical expenses under Section 2 (Hospital & Surgical Expenses).
A: Alternative maid services pay for the cost of hiring temporary help if your helper is hospitalized due to injury or illness. The payout per day ranges from $100 to $200 for Enhanced, Premier and Exclusive Plans.
We have also arranged a special rate with our partner to assist you if your helper is unable to perform their duties, you will receive an email from us notifying you of the promotion code. Simply use the promotion code at checkout to enjoy the special rate.
A: If you have opted for the Enhanced Medical Benefits, you will receive an email from our partner to assist you to download an App in order to register for the 3 times free teleconsultation each, for both you and your maid. The email shall provide you with the 3 promotion codes to be used to activate the free teleconsultation service.
The list of our Approved Clinics is outlined in the table below for your easy reference. To arrange for your maid’s medical examination, kindly call our Approved Clinics listed below for assistance to book an appointment.
Please click here for the list of approved clinics.
Should you wish to get a medical consultation for your maid, kindly walk in to any of the below approved clinics. Kindly bring along your maid’s work permit and present during registration.
Please click here for the list of approved GP clinics.
The list of our Approved Dental Clinics is outlined in the table below for your easy reference, kindly call our Approved Dental Clinics listed below for assistance to book an appointment. Kindly note that the dental consultation will only be waived upon dental treatment to be done. Terms and conditions to be referred at the dentist premises.
Please click here for the list of approved dental clinics.
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