ePROTECT maid is a comprehensive maid insurance 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 $60,000 for the maid which is all duly covered under our Singapore’s maid insurance scheme.

We will issue a Letter of Guarantee for the sum of $5,000 as a security bond on your behalf to the Ministry of Manpower (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 the Ministry of Manpower (MOM) and/or the Philippine Overseas Labour Office in Singapore (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 the Ministry of Manpower (MOM), paying only $250 for the Excess for your account. This frees you from the need to pay $5,000 cash up front to the Ministry of Manpower (MOM) when you are applying for a maid in Singapore.

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 in our Singapore’s maid insurance scheme and you will need to pay an additional premium for.

No. There is no free-look period for our Singapore’s maid insurance policy.

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.

Medical Expenses under the Personal Accident section of our Singapore’s maid insurance scheme 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.

Our Singapore’s maid insurance scheme 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.

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.

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

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.

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.

This is a Ministry of Manpower (MOM) requirement. The Ministry of Manpower (MOM) requires all maid 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 maid insurance in Singapore .

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

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’s death or repatriation.

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.