Domestic Helper
Insurance
Enjoy high coverage
at aordable premiums.
GENERAL INSURANCE
Domestic Helper Insurance
Be it your maid or connement nanny, you can now ensure that her wellbeing is
also being taken care of without it being a nancial burden, even as she continues
to look after you and your family. With our Domestic Helper Insurance, you can
protect your helper with high coverage and enjoy preferential rates for medical
consultations as well as health screenings.
Local and emergency overseas hospitalisation³ coverage for your
helper (including COVID-19⁴)
Up to $80,000 personal accident coverage¹ for your helper
Preferential rates for medical consultations and health
screenings through MediPass app²
Letter of Guarantee⁵ with direct payment to the hospital for your
helper’s hospitalisation expenses
Coverage for hospitalisation for pre-existing medical conditions⁶
if your helper is employed for more than 12 months in Singapore
Why is it good for me?
1
2
3
4
5
Domestic Helper Insurance
Domestic helper insurance will help you meet the Ministry of Manpower (MOM) requirements,
and oers additional protection for both you and your domestic helper from unforeseen
expenses should your helper fall ill or get injured.
Covers cost of hospital and
surgical expenses⁷ if your
helper falls ill or gets into
an accident.
Compensates your helper’s
wages, up to 30 days if
your helper is hospitalised
or on hospitalisation leave
and is unable to carry out
her duties.
Protects your helper
against personal liability
when she accidentally
injures someone or their
property.
Which plan is suitable for me?
BASIC
Basic Plan
For peace of mind
• Includes coverage for personal accident, hospitalisation,
personal liability and outpatient medical expenses due to
injury for your helper
• Includes coverage for pre-existing medical conditions⁶
if your helper is employed for more than 12 months in
Singapore
Standard
or
Enhanced
Standard or Enhanced Plan
For adequate coverage, or if you are concerned about:
• Possibility of having to stop employing your helper if she
suers a serious injury or serious sickness as conrmed by
a medical practitioner
• Your helper being hospitalised and hence your domestic
services are not carried out
Our Standard or Enhanced Plan can oer you:
• Coverage for expenses⁸ if you have to stop employing
your domestic helper
• Wages compensation (up to 30 days)
Domestic Helper Insurance
What is the dierence between Standard and Enhanced Plans?
The Standard and Enhanced plans oer additional benets over the Basic plan, giving
comprehensive protection to both you and your helper, with the Enhanced plan featuring
higher levels of coverage.
Boost your protection
MOM security bond protector
If you have concerns that your security bond may be forfeited due to events beyond your
control
Waiver of co-payment (available for policies with start date from 1 July 2023)
If you have concerns about out-of-pocket expenses due to co-payment of your helper’s
hospitalisation costs
Additional hospital and surgical expenses
If you are concerned about or want higher protection in the event of hospitalisation
Domestic Helper Insurance
Comprehensive benets
Our plans oer comprehensive coverage to ensure peace of mind for you and your helper.
Benets
Maximum benets (S$)
Basic Standard Enhanced
Accidental death or permanent disability due to
accident¹ (per policy)
$60,000 $60,000 $80,000
Outpatient medical expenses due to injury
(per policy)
$1,500 $2,000 $3,000
Domestic helper’s personal liability (per policy) $25,000 $25,000 $75,000
Special grant due to death - $2,000 $3,000
Expenses if you have to stop employing your
domestic helper
- $150 $500
Wages compensation (up to 30 days) - $20 per day $35 per day
Hospital and surgical expenses (per year)
- Includes COVID-19 coverage
- Covers 60-day pre and post hospitalisation treatment
- Our maximum payout for policies with start
dates before 1 July 2023
$15,000
- Our maximum payout for policies with start
dates from 1 July 2023 onwards
Co-payment³ for total claim amount
- First $15,000
- Above $15,000
$60,000
0%
25%
Sending your domestic helper home $10,000
Security bond to Ministry of Manpower
(not applicable for Malaysian helpers)
$5,000
Domestic Helper Insurance
Enjoy preferential rates for medical consultations
Access MediPass app² to enjoy preferential rates for general practitioner and specialist
consultations at any of the panel clinics, exclusively for you, your family and domestic helper!
You can also enjoy preferential rates for your domestic helper’s mandatory half yearly health
screenings.
Letter of Guarantee⁵ for your helper’s hospitalisation costs
All plans provides coverage for hospital and surgical expenses, and oer a Letter of Guarantee⁵
to help minimise out-of-pocket expenses. We provide convenience for you by paying directly to
the hospital for eligible expenses.
Add-ons to enhance coverage
Waiver of co-payment
Choose to add on a waiver of co-payment to reduce your out-of-pocket expenses. In the event
of an unexpected situation, we’ll pay for your domestic helper’s eligible hospital and surgical
expenses so that you remain nancially stress-free.
Domestic Helper Insurance
How it works
Mrs Lee’s domestic helper is covered under Domestic Helper Standard Plan (with policy start
date from 1 July 2023) and was hospitalised for 5 days due to a cooking accident at home.
Without waiver of co-payment With waiver of co-payment
Scenario 1:
The total bill incurred was $60,000.
Income
pays rst
$15,000
Mrs Lee pays $11,250
(25% of $45,000)
Income pays $33,750
(lower of remaining sum
insured or 75% of $45,000)
Income pays $60,000
Scenario 2:
During the 2nd policy year, her helper was hospitalised due to another accident. The rst
bill incurred was $15,000 and a $20,000 from an outpatient follow-up treatment.
1st bill:
Income pays $15,000
2nd bill:
Mrs Lee co-pays 25% of the bill amount:
$5,000
Income pays 75% of the bill amount:
$15,000
Income pays $35,000
The above examples are for illustrative purposes only and assumes that the claim is not limited or excluded by policy terms and
conditions.
Domestic Helper Insurance
Additional hospital and surgical expenses coverage
You can increase your helper’s coverage for hospital and surgical expenses by topping this up so
that you are even more prepared in times of mishap.
MOM security bond protector to limit your bond liability
You can add on the Ministry of Manpower (MOM) security bond protector to your main plan,
which will limit your liability of $5,000 under the security bond to MOM to only $250 if you did
not cause the breach of the bond.
Domestic Helper Insurance
IMPORTANT NOTES
1 The accidental death or permanent disability suered by your helper due to an injury must happen within 12 months from the
date of the accident. The amount of benet payable is subject to the scale of compensation in the policy contract.
2 The application (“App”) is owned, hosted and managed by MY-INSURER PTE LTD, a service provider of Income Insurance
Limited (“Income”). Income may from time to time change the service provider or terminate this service without prior notice.
Income is not responsible for the contents of the App, the consequences of accessing the App, any transaction in the App and
the services provided in the App. The App, the service and the benets therein are not part of any insurance policy.
3 The nal claim amount you will receive depends on the relevant pro ration factor applicable to the eligible hospital and
surgical expenses being claimed. Please refer to the policy conditions for the pro ration factor table.
4 For cover on inpatient hospital and surgical expenses only. Please refer to the policy conditions for more details.
5 This Letter of Guarantee (LOG) service is only applicable if your domestic helper is hospitalised at a Singapore government
restructured hospital. For policies with start dates before 1 July 2023, the LOG limit will be $15,000 per year. For policies with
start dates from 1 July 2023, the LOG limit will be $60,000 per year. The LOG amount issued will depend on the actual hospital
bill and is subject to our policy terms and conditions and individual hospital guidelines.
6 Covers pre-existing medical condition provided your domestic helper has been working in Singapore as a foreign domestic
helper for more than 12 months in a row.
7 Pro ration factor will apply if your domestic helper is admitted into a ward higher than B2 in a restructured hospital or admitted
in an overseas hospital due to an emergency. Please refer to the policy conditions for the pro ration factor table. For policies
with start date from 1 July 2023, co-payment will also apply to claims above $15,000 up to the maximum benet limit per year.
8 We will pay for the expenses charged by the employment agency for the termination of your domestic helper when you stop
employing your domestic helper because she is suering from a serious sickness or serious injury.
This is for general information only. You can nd the usual terms, conditions and exclusions of this plan at www.income.com.sg/
domestic-helper-policy-conditions.pdf.
Protected up to specied limits by SDIC.
Information is correct as at 16 June 2023
About Income
Income Insurance Limited (Income) is one of the leading composite insurers
in Singapore, oering life, health and general insurance. Established in
Singapore in 1970 to plug a social need for insurance, Income continues to
serve the protection, savings and investment needs of individuals, families
and businesses today. Its lifestyle-centric and data-driven approach to
insurance and nancial planning puts Income at the forefront of innovative
solutions that empowers better nancial well-being for all. For more
information, please visit www.income.com.sg.
Income Insurance Limited
UEN: 202135698W
Income Centre
75 Bras Basah Road Singapore 189557
Tel: 6788 1777
Fax: 6338 1500
Enquiries: income.com.sg/enquiry
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