She keeps your home in order and frees up your busy schedule. MaidPlus enables your maid to do the best possible job while protecting her from accidents, medical emergencies and more.
Personal Accident Cover
MSIG’s maid insurance offers $40,000 in personal accident cover and $1,000 for accidental medical expenses.
Hospital and Surgical Cover
We pay up to $15,000 for hospitalisation and surgical charges including 90 days’ pre- and post-hospitalisation expenses for diagnostic services and treatment. Option is available to increase cover by another $15,000.
Alternative Domestic Help Benefit
We reimburse you $20 daily for up to 30 days if you require temporary help while your helper is hospitalised.
Daily Wages & Levy Reimbursement
We compensate you with your helper’s daily wages for up to $30 each day for a maximum of 30 days if she is hospitalised.
Insurance Guarantee Bond
MaidPlus ensures you comply with all regulations by issuing on your behalf a Letter of Guarantee for a $5,000 security bond to the Ministry of Manpower (MOM).
Simple to Buy
Purchase this maid insurance plan directly online and from the comforts of your home.
Claims Made Easy
We keep our process as simple as possible to bring your maid insurance claim to a fair settlement.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please visit MSIG, GIA or SDIC.
1. What are the benefits of MaidPlus and the covers provided to an employer to meet the Ministry of Manpower's (MOM) requirements for foreign workers?
MaidPlus is a comprehensive package of benefits covering accidental death or disablement, hospital & surgical expenses, wages and levy reimbursement, repatriation expenses, guarantee bond and other benefits.
The MOM’s requirements of Hospital & Surgical Expenses of at least $15,000 a year and Personal Accident of $40,000 in respect of the foreign domestic maid are part of the MaidPlus package.
2. How does the Insurance Guarantee Bond 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 will 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 the sum of only $250 being the Excess for your account.
3. What is the difference between Medical Expenses benefit and Hospital and Surgical Expenses benefit?
Medical Expenses under the Personal Accident section of MaidPluscover 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.
4. How does the Wages & Levy reimbursement benefit operate?
MaidPlus 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.
5. How does the Alternative Domestic Help benefit works?
This benefit relieves an employer by reimbursing a fixed daily sum 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.
6. Will my Maid be covered when she returns to her home country for holiday?
When your Maid returns to her home country, the cover ceases from the time she leaves Singapore and resumes upon her return provided her work permit is not cancelled.
7. Are there options if I wish to purchase additional coverage?
There are 4 optional covers available at additional premium:
- Hospital & Surgical Expenses for an additional sum insured of $5,000 each year, up to $15,000 per year
- Waiver of Counter Indemnity for the Guarantee Bond of $5,000 to MOM; this means we will waive our rights of recovery of the sum paid to MOM against you, subject to the first $250 which you would have to bear.
- Employer's liability with choice of 3 different limits covering your legal liability at Common Law for accidental injury or disease sustained by your Maid.
- Letter of Guarantee for a $2,000 or $7,000 as security bond to meet requirements of the Philippine Overseas Labour Office, Singapore when hiring a Filipino maid.
8. Do I get a refund if I cancel my MaidPlus policy?
If you cancel the Policy, you will receive a refund of premium based on the Company's short period rates for the unexpired period of insurance, subject to a minimum charge of $50. There will be no refund if the Policy is cancelled after 180 days from the commencement date of the insurance.
9. How do I make a claim?
Please contact our Claims Department as soon as possible on the happening of any event giving rise or likely to give rise to a claim and completing 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.
Promotion ends on 30 Sep 2017
Call our Customer Service Officers at 6827 2548 (Mon to Fri, 8:45am - 5:30pm) or email us for enquiries.
# The free medical checkup consists of the following tests:
i. Clinical Examination (Vision, Height and Weight)
ii. Urine Pregnancy Test
iii. Venereal Disease Research Laboratory (VDRL) test
iv. Human Immunodeficiency Virus (HIV)
Medical checkup at any Shenton Medical Group clinic. Click here for clinic locations.
The complimentary medical checkup offer is not valid with any on-going or existing maid insurance promotions, discounts, offers, vouchers, rebates or privileges.
This is not a contract of insurance. The full terms, conditions and exclusions are set out in the MaidPlus Policy which will be issued upon MSIG Insurance (Singapore) Pte. Ltd.'s acceptance of your application.