Maid Protect360 PRO
HL Assurance · 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 of1 October 2026
Reward: - Basic Plan: S$30 via PayNow - Enhanced Plan: S$50 via PayNow - Premier Plan: S$60 via PayNow - Exclusive Plan: S$110 via PayNow or S$120 Grab vouchers
Reward fulfilled by SingSaver. Reward terms · All maid insurance promotions
Coverage by tier
- Medical limit
- S$60,000
- Personal accident
- S$60,000
- Outpatient support
- S$1,000
- Third-party liability
- S$0
- Co-payment
- 25% > S$15k
Wages & levy reimbursement, alternative maid services and family grant not covered. Replacement maid expenses S$200. Repatriation S$10,000.
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- Medical limit
- S$60,000
- Personal accident
- S$70,000
- Outpatient support
- S$2,000
- Third-party liability
- S$3,000
- Co-payment
- None
Wages & levy reimbursement S$40/day (up to 30 days). Alternative maid services S$100/day (up to 30 days). Replacement maid expenses S$300. Repatriation S$10,000. Family grant S$2,000.
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- Medical limit
- S$80,000
- Personal accident
- S$80,000
- Outpatient support
- S$3,000
- Third-party liability
- S$5,000
- Co-payment
- None
Wages & levy reimbursement S$50/day (up to 30 days). Alternative maid services S$150/day (up to 30 days). Replacement maid expenses S$500. Repatriation S$10,000. Family grant S$3,000.
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- Medical limit
- S$80,000
- Personal accident
- S$100,000
- Outpatient support
- S$5,000
- Third-party liability
- S$7,000
- Co-payment
- None
Wages & levy reimbursement S$60/day (up to 30 days). Alternative maid services S$200/day (up to 30 days). Replacement maid expenses S$600. Repatriation S$10,000. Family grant S$5,000.
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HL Assurance offers four plans (Basic, Enhanced, Premier and Exclusive), all compared here. Premier and Exclusive both carry a S$80,000 medical limit and waive the co-payment, with Premier the lower-priced of the two. Premiums shown are for a 26-month policy and a helper aged 50 and below.
You pick the tier on the purchase page. Check the key conditions and exclusions before buying.
Overview
Maid Protect360 PRO is HL Assurance’s maid insurance. The plans compared here are Basic, Enhanced, Premier, Exclusive. Annual medical cover ranges from S$60,000 to S$80,000 and personal accident cover ranges from S$60,000 to S$100,000 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$415.74 (Basic, 26-month term). Figures verified on 1 October 2026.
Key conditions
- Enhanced Medical Benefits: Adds S$10,000 of hospital & surgical cover, plus a critical-illness lump sum and mobility-aid reimbursement, with free teleconsultation. Priced at quote.
- Pre-existing conditions, unless the helper was insured under another maid policy in Singapore for more than 12 months with no break before this policy (then covered under hospital & surgical expenses, with the plan co-payment)
- Pregnancy, miscarriage, abortion, childbirth and complications; infertility; sex-change
- Cosmetic / plastic / non-accidental dental; routine health checks and vaccinations
- HIV/AIDS and venereal disease; mental, nervous and psychiatric disorders
- Influence of drugs or alcohol; wilful, criminal or unlawful acts; self-inflicted injury
- Hazardous activities; war, terrorism and nuclear risks
How each insurer treats pre-existing conditions when you switch at renewal: maid insurance renewal guide. When the S$5,000 bond can be forfeited: security bond guide.
Premiums, medical limits and personal-accident sums are for a 26-month policy and a helper aged 50 and below. Premiums for a 14-month term or a helper aged 51–60 are quoted separately.
Salary, levy, permit fees and this premium, monthly and for the first year
Compare other maid insurance plans
Compare maid insurance in Singapore by priceFrequently asked questions
Does Maid Protect360 PRO meet MOM’s requirements?
HL Assurance states that Maid Protect360 PRO 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 Maid Protect360 PRO cover?
Across the plans compared here (Basic, Enhanced, Premier, Exclusive), Maid Protect360 PRO provides annual hospital and surgical cover of S$60,000 to S$80,000 and personal accident cover of S$60,000 to S$100,000. 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 Maid Protect360 PRO?
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: • Basic: First S$15,000 at 0% co-payment; above S$15,000, 25% co-payment. The Basic plan does not include the co-payment waiver. • Enhanced, Premier and Exclusive: The 25% co-payment above S$15,000 is waived (Enhanced plan and above).
Is the security bond included in Maid Protect360 PRO?
Yes. The S$5,000 MOM security bond is included as a Letter of Guarantee, so requiring it adds no premium. An optional counter-indemnity waiver limits what HL Assurance can recover from you to a S$250 excess if the bond is called.
How much does Maid Protect360 PRO cost?
HL Assurance publishes premiums for Maid Protect360 PRO. On a 26-month term for a helper aged 50 and below, the published premiums are Basic S$415.74, Enhanced S$456.66, Premier S$478.55 and Exclusive S$567.44. 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 HL Assurance’s official pages on 1 October 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 of1 October 2026