The best maid insurance in Singapore is the plan that meets the Ministry of Manpower’s minimums and limits the two costs that can still land on you: the 25% co-payment on large hospital bills and the S$5,000 security bond. Every plan on sale must meet the legal minimums, so the comparison that matters is in the extras.
Below we compare four insurers on those points, using only what each publishes on its own website as at November 2026. We do not quote premiums, which vary with the helper’s age, the contract length and the plan.
What Every Plan Must Already Include
MOM sets the floor. Each helper must have:
- Medical insurance with an annual claim limit of at least $60,000 for inpatient care and day surgery. Above $15,000 of claims, the insurer pays 75% and the employer pays 25%.
- Personal accident insurance with a sum assured of at least $60,000 a year, paid to the helper or her beneficiaries.
- A $5,000 security bond, unless she is Malaysian.
You pay for all three and cannot pass the cost to her. Our maid insurance guide explains each requirement in detail.
The short version: Compare three things. Who pays the 25% co-payment above $15,000. What you would owe if MOM called on the $5,000 bond. And which extras, such as outpatient cover after an injury or wages during a hospital stay, you would really use.
How We Chose and Compared
We looked at insurers whose own pages state, in plain figures, the hospital limit, the co-payment and the bond terms. Four did: Income, HL Assurance, FWD and Great Eastern.
Other insurers sell maid insurance. We left out any whose page we could not confirm as current against MOM’s present minimums. This is a sample, not a ranking, and no insurer pays to be included.
Best Maid Insurance in Singapore: Four Insurers Compared
| Income | HL Assurance (Maid Protect360 PRO) | FWD | Great Eastern (GREAT Maid Protect) | |
|---|---|---|---|---|
| Plan tiers | Basic, Standard, Enhanced | Basic, Enhanced, Premier, Exclusive | Essential, Popular, Enhanced, Exclusive | Four plans |
| Hospital and surgical limit a year | $60,000 on all plans | $60,000 on Basic and Enhanced; $80,000 on Premier and Exclusive | $60,000 on all plans; option to raise to $120,000 | Up to $90,000 for helpers aged 50 and below |
| Co-payment above $15,000 | 25%; waiver sold as an add-on | 25% on Basic; waived on Enhanced and above | 25% on some plans; 0% on Exclusive | 25% on the Nanny and Silver plans |
| Personal accident | $60,000; $80,000 on Enhanced | Up to $100,000 | Not stated on the page | Up to $60,000 |
| Bond terms on the page | Add-on limits your liability to $250 if you did not cause the breach | Optional waiver limits your liability to a $250 excess | “Zero excess” when the bond is called | Not stated on the page |
Source: each insurer’s own product page, as at November 2026. “Not stated on the page” means the brochure or policy wording has the detail, not that the benefit is absent.
Three things in the table deserve a second look.
Tier names hide the co-payment. On HL Assurance, moving from Basic to Enhanced removes the co-payment. On Income, the same result comes from an add-on to any plan. Compare the total price for the same outcome, not tier against tier.
Limits above $60,000 are optional extras. FWD lets you raise the hospital limit to $120,000. HL Assurance’s top two tiers give $80,000. A higher limit matters only for a very large bill, but that is the bill that hurts most.
Bond protection has conditions. Income’s page says its add-on must be bought within 30 days of the policy start and applies if you did not cause the breach.
The Extras: What Differs Most
Beyond the legal minimums, the published benefits vary a great deal.
- Outpatient treatment after an injury. Income lists $1,500, $2,000 and $3,000 across its three plans. Great Eastern lists up to $3,000 for outpatient accident expenses.
- Wages while she is in hospital. Income lists $20 a day on Standard and $35 a day on Enhanced, for up to 30 days. Its Basic plan has none.
- A temporary helper. HL Assurance lists a daily payout of $100 to $200 on its Enhanced, Premier and Exclusive plans while the helper is hospitalised.
- Her liability to others. Income lists $25,000 on Basic and Standard and $75,000 on Enhanced. Great Eastern lists up to $50,000 for third-party claims.
- Sending her home. Income and Great Eastern each list up to $10,000.
Illness that does not need a hospital stay is mostly not covered on any plan. A clinic visit for a fever is an ordinary cost of employing a helper.
The Maths: What a Co-Payment Waiver Is Worth
Take a claimable hospital bill of $35,000.
- Without a waiver: the insurer pays the first $15,000 in full and 75% of the remaining $20,000, which is $15,000. You pay 25%, or $5,000.
- With a waiver or a no-co-payment tier: the insurer pays the full $35,000, up to the plan limit. You pay $0.
Now a bill of $12,000. It is under $15,000, so you pay nothing either way.
The waiver is therefore protection against a rare, large bill. At the $60,000 limit, the most the co-payment can cost you is 25% of $45,000, which is $11,250.
If a sudden bill of that size would not strain your savings, the waiver matters less. If it would, compare what each insurer charges to remove it.
Who Each Choice Does Not Suit
- A basic plan with no add-ons does not suit an employer who could not find $5,000 to $11,000 at short notice for a co-payment or a bond demand.
- A top-tier plan does not suit an employer who mainly wants the legal minimum and has ample savings. Much of the extra premium buys small daily benefits.
- A plan chosen only on first-year price does not suit a helper who is close to 50. Since 1 July 2025, MOM’s rules have set age-differentiated premiums in two bands, for helpers aged 50 and below and above 50, so the renewal price may differ.
- Any plan is a poor fit if the policy period does not match the Work Permit. Check that cover runs for the whole contract.
What To Do Next
- Confirm MOM’s current minimums on its insurance requirements page.
- Ask each insurer for one price that includes the plan, the co-payment waiver and the bond add-on, so you compare like with like.
- Read the conditions on the bond add-on: when it must be bought, and which breaches it excludes.
- Work out the whole monthly cost of a helper, including levy, salary and insurance, in our monthly budget planner.
- Reviewing the household’s other cover at the same time? See our home insurance comparison and travel insurance comparison.
