ePROTECT maid

Etiqa-Maid Insurance

ePROTECT maid

Maid insurance made affordable, flexible and easy. In just clicks away.

  • Features

    *Special Promotion: Enjoy maid insurance at one of the best prices in town at 30% off*

    *Save an additional 10% every Friday with our Thank Etiqa Is Friday (TEIF) Sale. Save the date and learn more!*

    Hiring a maid to relieve your daily worries? Let us help shoulder them with our comprehensive maid insurance, ePROTECT maid, which comes in 3 plans to suit your needs.

    We keep your maid protected in accidents and cover her hospitalisation and surgical expenses, while safeguarding your liabilities. All for the peace of mind, you deserve.

    With our online platform, you can now get a quotation and process your maid insurance in just a few clicks. This is how we make insurance convenient for you.

    Key benefits
    For your maid:

    • Personal Accident protection
      • 24-hour worldwide* protection against accidental death, permanent disablement and medical expenses
    • Hospitalisation and Surgical Expenses
      • Cost of treatment for inpatient treatment and day surgery due to illness or accident
      • Pre-hospitalisation and pre-day surgery charges such as diagnostic procedures and laboratory examinations
      • Cost of outpatient treatment after inpatient treatment and day surgery
    • Repatriation Expenses
      • Burial/cremation and conveyance to her home country

    For you:

    • Termination / Re-hiring Expenses
      • Reimbursement to help you hire a replacement should your maid experience accidental death or permanent disablement
    • Recuperation Benefit
      • Daily benefit to help you and your maid tide over her hospitalisation
    • Temporary Help Benefit
      • Daily benefit to help you hire alternative help while your maid is hospitalised
    • Wages and Levy Reimbursement
      • Pro rata reimbursement for your maid’s wages and levy should your maid be unfit for work caused by her hospitalisation
    • Domestic Helper’s Liability
      • Indemnity against any sums resulting from accidental bodily injury to any third parties, and accidental damage to any third parties’ properties, as committed by your maid
    • Security Bond – reimbursement of indemnity paid to the insurer
      • We free you from paying S$5,000 upfront for the required Security Bond by serving as your Guarantor and providing a Letter of Guarantee to MOM
      • The reimbursement of indemnity paid to insurer option will limit your liability on the S$5,000 Security Bond to S$250. This is provided that the breach of the Security Bond is not due to your negligence or fault
    • Letter of Guarantee to the Philippine Overseas Labour Office (P.O.L.O.)
      • If required, we will issue a Letter of Guarantee to P.O.L.O. on your behalf

    *As long as your maid is travelling overseas with you to assist you in your holiday.

    Table of benefits

    Benefits

    Sum Insured (S$)
    Plan A Plan B

    Plan C

    1. Letter of Guarantee to MOM

    $5,000

    $5,000

    $5,000

    2. Personal Accident
    a. Accidental Death

    $40,000

    $40,000

    $50,000

    b. Permanent Disablement

    $40,000

    $40,000

    $40,000

    c. Medical Expenses

    $1,000

    $2,000

    $2,500

    3. Repatriation Expenses

    $10,000

    $10,000

    $10,000

    4. Hospitalisation & Surgical Expenses (annual limit for inpatient expenses including day surgery)

    $15,000
    Per Year

    $15,000
    Per Year

    $15,000
    Per Year

    5. Wages & Levy Reimbursement
    (max. 30 days of Hospitalisation)

    Up to $30 per day

    Up to $30 per day

    Up to $30 per day

    6. Recuperation Expenses
    a. Recuperation Benefit
    (max. 30 days of Hospitalisation)

    Up to $10 per day

    Up to $15 per day Up to $20 per day
    b. Temporary Help Benefit
    (max. 30 days of Hospitalisation)
    Up to $10 per day Up to $15 per day

    Up to $20 per day

    7. Termination / Re-Hiring Expenses

    $250

    $300

    $350

    8. Domestic Helper’s Liability

    $5,000

    $7,500

    $10,000

    9. Special Grant

    $500

    $1,000

    $2,000

    Optional Coverage

    Benefits Sum Insured (S$)
    26 months 14 months
    10. Letter of Guarantee to the Philippine Overseas Labour Office  $7,000 $7,000
    11. Reimbursement of indemnity paid to insurer $5,000 (excess of $250) $5,000 (excess of $250)

    How does it work?

    • Please prepare the following before you apply for ePROTECT maid insurance:
      • In-Principle Approval/Renewal Letter from MOM
      • Maid’s Passport details
      • Visa/Mastercard credit/debit card for payment
    • Upon successful application, we will electronically transmit your Certificate of Insurance, Letter of Guarantee to MOM and Letter to P.O.L.O. (as applicable) on your behalf.
    • You will be notified of your maid insurance transmission result in 3 working days. Kindly note that application received after 4pm will be processed on the next working day, and processing is not applicable on public holidays.
    • Thereafter, you may proceed to apply/renew your maid’s Work Permit online with MOM. Do note that this needs to be completed before your maid’s arrival to Singapore. Otherwise The Immigration & Checkpoints Authority will deny her entry and send her back to her home country.
    • Should you decide to cancel your maid insurance before it expires, the following refund scale will be extended to you (as long as no claim has been made).
      • Cancellation within 60 days from inception date – 80% of Policy Premium
      • Cancellation within 61 to 90 days – 60% of Policy Premium
      • Cancellation within 91 to 180 days – 30% of Policy Premium
      • Cancellation after 180 day – No refund

    Premiums

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    Plan Type Premium Rate (S$)
    26 months
    Plan A $246.10
    Plan B $267.50
    Plan C $299.60
    14 months
    Plan A $176.55
    Plan B $187.25
    Plan C $214.00
    Optional Coverage Premium Rate (S$)*
    26 months
    Letter of Guarantee to the Philippine Overseas Labour Office $80.25
    Reimbursement of indemnity paid to insurer $53.50
    14 months
    Letter of Guarantee to the Philippine Overseas Labour Office $80.25
    Reimbursement of indemnity paid to insurer $37.45

    *Premium rate remains the same regardless of plan type

    *Premiums are before any existing promotions/discounts

     

    FAQs

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    • What does ePROTECT maid cover?

    ePROTECT maid is a comprehensive protection plan in Singapore that covers accidental death or disablement, hospital and surgical expenses, wages and levy reimbursement, repatriation expenses, termination or re-hiring expenses, guarantee bond and other benefits. The Ministry Of Manpower (“MOM”) requires the coverage of Hospital & Surgical Expenses of at least $15,000 a year and Personal Accident of $40,000 for the maid which is all duly covered under our maid insurance.

    • How does the Letter of Guarantee work?

    We will issue a Letter of Guarantee for the sum of $5,000 as a security bond on your behalf to MOM. If you require, we can also issue a Letter of Guarantee to the Philippine Overseas Labour Office in Singapore (“POLO”) on your behalf. If a demand is made by MOM and/or POLO as the case may be, we will first meet the payment and recover it from you under the Counter Indemnity of the insurance. You can purchase the optional cover for a waiver of the Counter Indemnity in respect of the Letter of Guarantee to MOM, paying only $250 for the Excess for your account. This frees you from the need to pay $5,000 cash up front to MOM when you are applying for a maid.

    • If I want to limit my liability on the $5,000 Security Bond, what additional coverage can I take up?

    You can take up our Reimbursement of indemnity paid to insurer option. It will limit your liability on the $5,000 Security Bond to $250 instead. This is provided that the breach of the $5,000 Security Bond is not due to your negligence or fault. This is an optional feature and you will need to pay an additional premium for.

    • Is there a free-look period?

    No. There is no free-look period for this policy.

    • What do the Medical Expenses benefit and Hospital and Surgical Expenses benefit cover?

    We will reimburse the Insured for Hospitalisation and Surgical Expenses (including Day Surgery) necessarily incurred in Singapore as a result of an accident, sickness, or disease sustained by the Insured Person commencing or occurring during the Period of Insurance.

    • What is the difference between Medical Expenses benefit and Hospital and Surgical Expenses benefit?

    Medical Expenses under the Personal Accident section of our maid insurance cover the cost of treatment (including out-patient treatment) due to accidents only. The cover under Hospital and Surgical Expenses is wider as it extends to medical expenses incurred as an in-patient of a Hospital as a result of illnesses or accident. Medical expenses incurred up to 90 days pre- and post- hospitalisation and day surgery are also covered under Hospital and Surgical Expenses.

    • How does the Wages reimbursement benefit operate?

    Our maid insurance pays a fixed sum per day up to 30 days if your maid is hospitalised as a result of an injury or illness so long as Hospital and Surgical Expenses benefit is payable.

    • How does the Alternative Domestic Help benefit works?

    This benefit relieves an employer by reimbursing a fixed daily sum of up to 30 days for the cost of hiring alternative domestic help during the period of your Maid’s hospitalisation due to a covered injury or illness.

    • Can the policy be terminated? If yes, will I get a refund?

    If you cancel the Policy, you will receive a refund of premium based on the unexpired period of insurance. There will be no refund if the Policy is cancelled after 180 days from the commencement date of the insurance or if a claim has been lodged under the policy. Number of Days in Force prior to cancellation. For more information, please see our Policy Wording, General Conditions, No. 5 on page 11.

    • What is the entry age of the policy?

    The applicant must be at least 21 years of age, and the maid must be at least 23 years of age on the start date of the policy.

    • Does the coverage start immediately?

    The commencement date will be a minimum of 5 working days from the application date, but not more than 182 days. Please also note this process needs to be done before the arrival of your maid in Singapore, otherwise the Immigration and Checkpoints Authority may deny your maid’s entry and she will be sent back to her home country.

    • Why does MOM require me to have a 14 or 26 months’ insurance and bond when MOM only issues a 12 or 24 months’ work permit?

    This is a MOM requirement. MOM requires all insurance and bond to have an additional 2 months of cover so that in any event or reason the maid overstays in Singapore after her work permit has expired, she is still covered under the insurance.

    • Will my Maid be covered when she returns to her home country for holiday?

    The cover ceases from the time she leaves Singapore and resumes upon her return provided her work permit is not cancelled.

    • How does the Termination or Re-hiring expenses work?

    This benefit reimburse you the agency fee of hiring a replacement maid during the period of your maid’s hospitalisation due to death or permanent disablement. The replacement is to be employed within thirty (30) days of your maid death or repatriation.

    • How do I file for a claim?

    Please contact our Claims Department and complete a Claim form to facilitate the claim process. Written proof of the accident such as police report, doctor’s report, original medical receipts, invoices and all supporting documents must be furnished as proof of claim. The claim form can be found under “Claim Forms” on our website. Please contact our Customer Care if you have any further enquiries. 

    Downloads

This product is covered under PPF Scheme.

Important Notes:

This content is for reference only and is not a contract of insurance. Full details of the policy terms and conditions can be found in the policy contract.

Information is correct as at  1 August 2016.