Maid insurance Singapore: compare domestic helper (FDW) plans by price
5 maid insurance plans for your domestic helper, ranked from the cheapest 26-month price. Change the duration, co-payment or medical limit to re-rank, with MOM-required cover shown side by side. Last updated October 2026.
Current maid insurance promotionsCheapest maid insurance plan per insurer, ranked by price
Each insurer’s lowest-priced plan meeting MOM’s minimums, for a 26-month policy and a helper aged 50 and below. Sorted by price, lowest first (ties alphabetical by insurer). Affiliate status does not affect the order.
| # | Insurer & plan | 26-month price | Medical / year |
|---|---|---|---|
| 1 | FWD Essential | S$401.36 | S$60,000 |
| 2 | MSIG Standard Plan | S$409.73 | S$60,000 |
| 3 | HL Assurance Basic | S$415.74 | S$60,000 |
| 4 | Great Eastern Silver | S$416.82 | S$60,000 |
| 5 | AIG Classic | S$478.57 | S$60,000 |
Prices verified 1 October 2026 and include the S$5,000 security bond guarantee. The calculator below re-ranks every plan for your duration, co-payment and medical limit.
The MOM-standard 25% co-payment on claims above S$15,000. Waive it for first-dollar cover; where a plan charges it, we fold in the insurer’s published waiver rider.
The lowest hospital & surgical limit to rank. Each insurer’s cheapest plan at or above it is ranked; insurers with no plan this high are listed separately.
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Price is each insurer’s premium for your configuration, plus any optional costs you add. Policies marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Monthly and first-year cost: salary, levy, fees and insurance
Monthly and pro-rated levy, with a concession check
Ranked by price for your selected duration, co-payment and medical limit.
- Receive up to S$55 via PayNow or up to S$60 Grab vouchers
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- Receive up to S$110 via PayNow or up to S$120 Grab vouchers
Coverage comparison
Every plan from all 5 insurers, priced at your 26-month term and ≤ 50 helper age band, sorted by the column you choose. Premium is a plan’s price for the term; optional riders and the co-payment waiver are added in the ranking above, not here. Tap a plan to open its full coverage and riders. A plan with no published premium for this term and age shows “via quote”.
| Co-payment | Bond waiver | ||||
|---|---|---|---|---|---|
| AIG · Elite AIG Domestic Helper Insurance | S$572.84 | S$100,000 | S$100,000 | 20% > S$15k | At quote |
| AIG · Premier AIG Domestic Helper Insurance | S$838.22 | S$100,000 | S$100,000 | None | At quote |
| AIG · Classic AIG Domestic Helper Insurance | S$478.57 | S$60,000 | S$60,000 | 20% > S$15k | At quote |
| AIG · Superior AIG Domestic Helper Insurance | S$590.95 | S$60,000 | S$60,000 | None | At quote |
| FWD · Enhanced FWD Maid insurance | S$483.47 | S$60,000 | S$60,000 | 25% > S$15k | S$0 (zero excess by default) |
| FWD · Essential FWD Maid insurance | S$401.36 | S$60,000 | S$60,000 | 25% > S$15k | S$0 (zero excess by default) |
| FWD · Exclusive FWD Maid insurance | S$558.53 | S$60,000 | S$60,000 | None | S$0 (zero excess by default) |
| Great Eastern · Platinum GREAT Maid Protect | S$605.17 | S$90,000 | S$60,000 | None | At quote |
| Great Eastern · Gold GREAT Maid Protect | S$504.02 | S$60,000 | S$60,000 | None | At quote |
| Great Eastern · Silver GREAT Maid Protect | S$416.82 | S$60,000 | S$60,000 | 25% > S$15k | At quote |
| HL Assurance · Exclusive Maid Protect360 PRO | S$567.44 | S$80,000 | S$100,000 | None | At quote |
| HL Assurance · Premier Maid Protect360 PRO | S$478.55 | S$80,000 | S$80,000 | None | At quote |
| HL Assurance · Basic Maid Protect360 PRO | S$415.74 | S$60,000 | S$60,000 | 25% > S$15k | At quote |
| HL Assurance · Enhanced Maid Protect360 PRO | S$456.66 | S$60,000 | S$70,000 | None | At quote |
| MSIG · Premier Plan MSIG MaidPlus | S$509.68 | S$120,000 | S$60,000 | 25% > S$15k | S$54.50 |
| MSIG · Classic Plan MSIG MaidPlus | S$450.93 | S$80,000 | S$60,000 | 25% > S$15k | S$54.50 |
| MSIG · Standard Plan MSIG MaidPlus | S$409.73 | S$60,000 | S$60,000 | 25% > S$15k | S$54.50 |
How much maid insurance coverage is required in Singapore?
Every employer of a migrant domestic worker in Singapore is required to hold the following. Each policy compared here is stated by its insurer to meet these minimums.
Covers the helper’s inpatient care and day surgery. The minimum was raised from S$15,000 to S$60,000 on 1 July 2023 (Stage 1 of the enhanced MI requirements). MOM
Claims of S$15,000 or less in a year are fully covered. For the amount above S$15,000 up to the S$60,000 limit, the insurer pays 75% and the employer co-pays 25%. MOM
A minimum sum assured of S$60,000, paid as a lump sum for permanent disability or death from a sudden, unforeseen accident. Separate from medical insurance. MOM
A binding pledge to the government, provided as a banker’s or insurer’s guarantee, required for every MDW except Malaysian helpers. It can be forfeited if Work Permit or bond conditions are breached. MOM
- The employer pays for the insurance and cannot pass the cost of buying it on to the helper. MOM
- The 25% co-payment above S$15,000 is the employer’s share. Co-payment arrangements with the worker are allowed for other Work Permit holders but not for migrant domestic workers. MOM
Since 1 July 2025 (Stage 2 of the enhanced MI requirements), insurers price premiums in two age bands — helpers aged 50 and below, and helpers above 50. Premiums for older helpers are generally higher.
Verified30 September 2026 against mom.gov.sg
How the price comparison works
Every policy here includes the S$5,000 MOM security bond in its premium, so requiring the bond adds no cost by itself. The comparison picks each insurer’s lowest-premium plan that meets your co-payment and medical-limit choice and takes its price for your entered duration and a helper aged 50 and below. When you ask to waive the co-payment on a plan that charges it, the insurer’s published waiver rider is folded in. The result is the projected price you would pay for the full term.
Where the premiums come from
Premiums shown are for a 26-month policy and a helper aged 50 and below. Figures verified 1 October 2026. An insurer without a published figure for your exact configuration is listed below the ranked plans; confirm the current price before applying.
What does maid insurance cost in Singapore?
For a 26-month policy and a helper aged 50 and below, the published plan prices in this comparison run from S$401.36 (FWD Essential) to S$838.22 (AIG Premier). For a helper aged 51 to 60 only MSIG publishes a price here, from S$788.94 to S$980.46; the other insurers quote older helpers individually. Each price already includes the S$5,000 security bond guarantee. Waiving the 25% co-payment, adding outpatient cover or adding a bond counter-indemnity waiver costs extra where the insurer publishes a rider price. The 14-month term is bought direct from the insurer and is not priced here. Prices verified 1 October 2026.
For the full cost of employing a helper (levy, salary, permit fees and insurance together), see the cost of hiring a maid in Singapore in 2026.
Maid, domestic helper or FDW insurance: is there a difference?
No. Maid insurance, domestic helper insurance, FDW (foreign domestic worker) insurance and MDW (migrant domestic worker) insurance are names for the same product: the medical and personal accident cover MOM requires for a helper on a Work Permit, usually sold as one package together with the S$5,000 security bond guarantee. MOM now uses the term migrant domestic worker. Insurers name their plans differently, so this comparison lines them up on the same price and coverage figures.
What does maid insurance not cover?
The MOM minimum is inpatient care, day surgery and personal accident cover. Outpatient treatment for illness sits outside it: most plans here pay for outpatient visits only after an accident, and FWD is the one that adds capped illness cover on its higher tiers. Across the plans compared here, the exclusions that recur are pregnancy and childbirth, cosmetic surgery, routine health checks and vaccinations, and dental treatment (several plans pay for dental work only after an accident). Each insurer’s page lists its own exclusions in full.
Pre-existing conditions are where the plans differ most. Some insurers cover them once the helper has worked in Singapore (or for you) for about 12 consecutive months, others once she has had earlier maid insurance with no break in cover, and MSIG only after earlier cover with MSIG itself. That rule decides whether switching insurer at renewal costs your helper any cover, which the maid insurance renewal guide sets out insurer by insurer.
Renewing maid insurance with a Work Permit
MOM sends the Work Permit renewal letter about 8 weeks before the permit expires, and the medical insurance, personal accident insurance and S$5,000 security bond all have to be renewed before the permit can be. A Work Permit is renewed for up to 2 years, and for a shorter period if the insurance runs for less than 26 months. Renewal is also the point to compare prices again, because you can buy from any insurer rather than renewing with the current one. For what the S$5,000 bond is, when MOM can forfeit it and how much the employer repays, see the maid security bond guide.
Are there maid insurance promos?
Partner insurers sometimes run a purchase reward through SingSaver, such as PayNow cash or vouchers on the 26-month plans. When a reward is running it appears on that plan’s row in the ranking and on its detail page, with its end date and terms link; an expired reward is hidden. The prices shown are the SingSaver final prices, so any partner discount is already included, and rewards are not counted in the price ranking. Every reward running now, with the amount per plan tier and its end date, is listed on the maid insurance promotions page.
Maid insurance plans by insurer
Each page lists the plan’s coverage, co-payment, security bond terms, exclusions and price.
Frequently asked questions
How much maid insurance coverage is required in Singapore?
The Ministry of Manpower (MOM) requires every employer of a migrant domestic worker to buy medical insurance with an annual claim limit of at least S$60,000 covering inpatient care and day surgery, and personal accident insurance with a sum assured of at least S$60,000. Medical claims up to S$15,000 a year are fully covered; above S$15,000 the insurer pays 75% and the employer co-pays 25%. A S$5,000 security bond, given as a banker’s or insurer’s guarantee, is also required for every helper except Malaysian helpers. The employer pays for the insurance and cannot pass the cost on to the helper. Source: mom.gov.sg.
How much does maid insurance cost in Singapore?
For a 26-month policy and a helper aged 50 and below, the published plan prices in this comparison run from S$401.36 (FWD Essential) to S$838.22 (AIG Premier). For a helper aged 51 to 60 only MSIG publishes a price here, from S$788.94 to S$980.46; the other insurers quote older helpers individually. Each price already includes the S$5,000 security bond guarantee. Waiving the 25% co-payment, adding outpatient cover or adding a bond counter-indemnity waiver costs extra where the insurer publishes a rider price. The 14-month term is bought direct from the insurer and is not priced here. Prices verified 1 October 2026.
Which maid insurance is the cheapest?
For a 26-month policy, a helper aged 50 and below, the 25% co-payment kept and the S$60,000 MOM medical minimum, the lowest price in this comparison is FWD Maid insurance (Essential) at S$401.36. The order changes if you waive the co-payment or ask for a higher medical limit, and the calculator re-ranks the plans for your choice. Prices verified 1 October 2026; confirm the current price with the insurer before buying.
Is domestic helper insurance the same as maid insurance or FDW insurance?
Yes. Maid insurance, domestic helper insurance, FDW (foreign domestic worker) insurance and MDW (migrant domestic worker) insurance all describe the same product: the medical and personal accident cover MOM requires for a helper on a Work Permit, usually sold together with the S$5,000 security bond guarantee. MOM now uses the term migrant domestic worker. Insurers name their products differently, but every plan in this comparison is stated by its insurer to meet the MOM minimums.
Are there maid insurance promos?
Partner insurers sometimes run a purchase reward through SingSaver, such as PayNow cash or vouchers on the 26-month plans. When a reward is running it is shown on that plan’s row and on its detail page with its end date and terms link, and it is hidden once it expires. The prices in this comparison are the SingSaver final prices, so any partner discount is already included. Rewards are not counted in the price ranking. The maid insurance promotions page lists every reward running now, with its end date.
Does maid insurance cover dental treatment?
Routine dental treatment is a common exclusion in the plans compared here. Several plans pay for dental work only when it follows an accident, and the limit differs by insurer. Each insurer’s page on SGfi lists its exclusions in full.
How are the policies ranked?
The price ranking covers the insurers with a published premium for your selected configuration, which is a 26-month policy for a helper aged 50 and below. It lists them from lowest to highest price, where the price is the premium plus the mandatory costs you selected. On a tie the order is alphabetical by insurer. The ranking is a function of your inputs only and is not influenced by whether an insurer is an affiliate partner.
Why do some insurers show no premium?
Premiums are published for a 26-month policy and a helper aged 50 and below. For a 14-month term or a helper aged 51 to 60, insurers quote the price individually, so an insurer without a figure for your exact configuration is listed below the ranked plans as "via insurer quote" rather than given an estimated price. No premium is estimated.
What does the price include?
The price is the premium for the cheapest plan meeting your co-payment and medical-limit choice at your entered duration and helper age band, plus any mandatory or optional costs you added (for example the counter-indemnity waiver, or the co-payment waiver rider folded in when you ask to waive it). The 14-month term is bought direct from the insurer and is not priced here.
What is the security bond and who needs it?
The security bond is a S$5,000 banker’s or insurer’s guarantee to the government, required for every migrant domestic worker except Malaysian helpers. Each policy here includes the S$5,000 bond as a Letter of Guarantee, so requiring it adds no premium. An optional counter-indemnity waiver limits the amount the insurer can recover from you if the bond is called.
How current are the figures?
Premiums, promotions and coverage limits were verified on 1 October 2026, and the MOM requirements against mom.gov.sg on 30 September 2026. Insurers revise premiums and promotions often, so confirm the current price and terms before applying.
Last verified: 1 October 2026
Price is each insurer’s premium for the cheapest plan meeting your co-payment and medical-limit choice at the term and helper age you entered, plus any optional rider or waiver cost you add where the insurer publishes a price. Every listed premium already includes the S$5,000 MOM security bond, so requiring the bond adds no cost by itself. Premiums appear as each insurer publishes them, some as a gross list price and some already after a discount, and a discount already in the price is not subtracted again.
Not modelled: individual underwriting and loadings, the helper’s nationality or date of birth, out-of-pocket amounts at claim time (the 25% co-payment above S$15,000), and any GST an insurer does not state. A 14-month term or a helper aged 51 to 60 is quoted separately and not estimated, so an insurer without a published figure for that configuration is not ranked. These figures are an estimate, not a promise of the premium an insurer will quote.
SGfi is an educational platform, not a licensed financial adviser under the Monetary Authority of Singapore (MAS). Ranking comes only from your inputs and each insurer’s published prices, so an affiliate link never changes it. See how we calculate and rank.
Premiums as of1 October 2026