FWD Maid insurance
FWD · Compare its price, coverage and co-payment for your configuration.
To all maid insuranceThe 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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Premiums as of22 July 2026
Stand a chance to win a Dyson V8 Cyclone Vacuum (worth S$559) with the first policy bought at 2PM daily, minimum premium S$450. Fulfilled 120-150 days after purchase. Reward: - Essential Plan: S$10 via PayNow - Enhanced Plan: S$10 via PayNow - Exclusive Plan: S$50 via PayNow or S$55 Grab vouchers
Reward fulfilled by SingSaver. Reward terms · Flash-deal terms
Coverage by tier
- Medical limit
- S$60,000
- Personal accident
- S$60,000
- Outpatient support
- S$1,000
- Third-party liability
- S$3,000
- Co-payment
- 25% > S$15k
Wages & levy up to S$30/day (max 30 days). Repatriation S$10,000. Re-hiring S$300. Alternative helper up to S$20/day (max 30 days).
- Medical limit
- S$60,000
- Personal accident
- S$60,000
- Outpatient support
- S$2,000
- Third-party liability
- S$25,000
- Co-payment
- 25% > S$15k
Wages & levy up to S$30/day (max 30 days). Repatriation S$10,000. Re-hiring S$400. Alternative helper up to S$20/day (max 30 days).
- Medical limit
- S$60,000
- Personal accident
- S$60,000
- Outpatient support
- S$3,000
- Third-party liability
- S$75,000
- Co-payment
- None
Wages & levy up to S$30/day (max 30 days). Repatriation S$10,000. Re-hiring S$500. Alternative helper up to S$20/day (max 30 days).
FWD names its plans Essential, Enhanced and Exclusive → Basic, Standard and Premium here. All three carry a S$60,000 medical limit; the Exclusive plan removes the co-payment. Premiums shown are for a 26-month policy and a helper aged 50 and below.
Overview
FWD Maid insurance is FWD’s maid insurance. The plans compared here are Essential, Enhanced, Exclusive. Annual medical cover is S$60,000 and personal accident cover is S$60,000 across the tiers. The insurer states the plans meet MOM’s S$60,000 medical and S$60,000 personal accident minimums, and each includes the S$5,000 security bond. Published premiums start from S$401.36 (Essential, 26-month term). Figures verified on 22 July 2026.
Key conditions
- Top-up hospitalisation & surgical expenses: Raises the annual H&S limit by up to S$60,000 (total up to S$120,000). Priced at quote.
- Outpatient medical expenses: Add-on on the Essential plan (included on Enhanced/Exclusive). Priced at quote.
- Pre-existing conditions, unless the helper has worked in Singapore as a helper for at least the past 12 consecutive months
- Maternity: pregnancy, miscarriage, childbirth, Caesarean, abortion and complications
- Singapore private-hospital expenses (0% payable); overseas hospital paid at 30%
- Cosmetic/plastic surgery; dental; health screening; infertility; sex-change
- Hazardous sports; alcoholism and drug addiction; venereal / sexually transmitted diseases
- War, terrorism and nuclear risks; self-inflicted injury
Premiums are for a 26-month policy and a helper aged 50 and below. The medical limit can be raised to S$120,000 via the top-up rider. Premiums for a 14-month term or a helper aged 51–60 are quoted separately.
Compare other maid insurance plans
Frequently asked questions
Does FWD Maid insurance meet MOM’s requirements?
FWD states that FWD Maid insurance meets the Ministry of Manpower’s requirements: medical insurance of at least S$60,000 per year, personal accident cover of at least S$60,000, and the S$5,000 security bond.
What does FWD Maid insurance cover?
Across the plans compared here (Essential, Enhanced, Exclusive), FWD Maid insurance provides annual hospital and surgical cover of S$60,000 and personal accident cover of S$60,000. It also covers wage and levy reimbursement while the helper is hospitalised, repatriation, and the S$5,000 security bond.
How does the co-payment work on FWD Maid insurance?
MOM sets the standard structure at no co-payment on the first S$15,000 of claims and a 25% employer co-payment above that, up to the annual limit. How each plan applies it: • Essential and Enhanced: First S$15,000 paid at 100%; above S$15,000, FWD pays 75% and employer co-pays 25% up to the limit. • Exclusive: FWD pays 100% above S$15,000 — no employer co-payment.
Is the security bond included in FWD Maid insurance?
Yes. The S$5,000 MOM security bond is included as a Letter of Guarantee, so requiring it adds no premium. Counter-indemnity is S$0 (zero excess by default) by default.
How much does FWD Maid insurance cost?
FWD publishes premiums for FWD Maid insurance. On a 26-month term for a helper aged 50 and below, the published premiums are Essential S$401.36, Enhanced S$483.47 and Exclusive S$558.53. Enter your duration, co-payment, medical limit and helper age band in the comparison to see the price for your configuration.
Are these figures guaranteed?
No. Insurers update premiums, coverage limits and promotions over time. The coverage limits shown were verified against FWD’s official pages on 22 July 2026. Always confirm the current price and terms before applying.
What MOM requires
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
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.
Verified22 July 2026 against mom.gov.sg
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 of22 July 2026