ePROTECT maid

Singapore’s Maid Insurance made comprehensive, affordable and flexible. In just clicks away.

NEW Increased of Personal Accident coverage for maids to $60,000 across all plans. MOM has changed the Personal Accident insurance requirements to $60,000 with effect from 1 October 2017, learn more about it here.

 

We have increased the coverage at no price hike!

Save 35% with our maid insurance promotion. Savings up to $104 for you!

For additional savings check out our Thank Etiqa It’s Friday (TEIF) promotion.

Features

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.
Security Bond

  • 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.
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.

Enhance your coverage

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Security Bond – reimbursement of indemnity paid to the insurer

The reimbursement of indemnity paid to insurer option will limit your liability on the S$5,000 Security Bond to S$250.

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.

Wonder How It Works

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

$60,000

$60,000

$60,000

b. Permanent Disablement

$60,000

$60,000

$60,000

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)

Select between these 26 months or 14 months plans as below:

Plan Type Premium Rate (S$) Premium Rate
after 35% Discount (S$)
26 months
Plan A $246.10 $159.97
Plan B $267.50 $173.88
Plan C $299.60 $194.74
14 months
Plan A $176.55 $114.76
Plan B $187.25 $121.71
Plan C $214.00 $139.10
Optional Coverage Premium Rate (S$)* Premium Rate
after 35% Discount (S$)
26 months
Letter of Guarantee to the Philippine Overseas Labour Office $80.25 $52.16
Reimbursement of indemnity paid to insurer $53.50 $34.77
14 months
Letter of Guarantee to the Philippine Overseas Labour Office $80.25 $52.16
Reimbursement of indemnity paid to insurer $37.45 $24.34

*Premium rate remains the same regardless of plan type

*Premiums are before any existing promotions/discounts

Frequently Asked Questions

What does ePROTECT maid cover?

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.

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 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.

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

Is there a free-look period?

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

How does the Wages reimbursement benefit operate?

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.

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 maid insurance policy be terminated? If yes, will I get a refund?

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.

What is the entry age of the maid insurance 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 maid insurance's 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 the Ministry of Manpower (MOM) require me to have a 14 or 26 months’ domestic helper insurance and bond when it only issues a 12 or 24 months’ work permit for my maid?

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 .

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

The maid insurance 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’s 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 & Forms

Important Notes:

This product is covered under PPF Scheme.

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. Buying a life insurance policy is a long-term commitment. Early termination of the policy usually involves high cost and the surrender value (if any) may be less than the total premium paid.

Information is correct as at 12 Feb 2015.