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HELPER’S INSURANCE AND MEDICAL CHECKUP
Under the Employment of Foreign Manpower (Work Passes) Regulations, employers are responsible for the costs of providing medical treatment (both inpatient and outpatient) for their Migrant Domestic Workers (MDWs), regardless of whether the conditions are work-related.
Insurance. The personal accident insurance purchased for your helper must meet all of these requirements:
- Have a sum assured of at least $60,000 per year.
- Cover sudden, unforeseen and unexpected incidents resulting in permanent disability or death.
- Not contain extra exclusion clauses that are not in the Employment of Foreign Manpower Regulations.
Medical Examination. You must send your helper for a medical examination by a Singapore-registered doctor within 2 weeks from her arrival in Singapore. Make sure she brings along the medical examination form for the tests.
You can only get her Work Permit issued if she passes the medical examination. Otherwise, she will have to be sent home. The medical examination screens the helper for 4 types of infectious diseases (tuberculosis, HIV, syphilis and malaria) and checks if she is fit to work. You can send her for more tests if you have specific concerns about her health.
How Much Do Maid Insurance Premiums Cost?
Work permit contracts are either for 12-month or 24-month, and there is a MOM requirement for all insurance and bonds to have an additional two months of coverage, hence maid insurance policies have a coverage period of either 14 or 26 months.
Based on current premiums in Singapore, you can expect to pay $367.20 for a 14-month insurance term policy, and $550.80 for a 26-month insurance term policy depending on which Coverage Plan you opt for.
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