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Insurance requirements for MDWs

You need to buy medical and personal accident insurance for your migrant domestic worker (MDW). Find out the coverage required. 

Before your helper arrives in Singapore, you must buy medical insurance and personal accident insurance as part of your medical obligations to her.

You cannot pass on the cost of purchasing the insurance to your helper.

Medical insurance

You need to buy medical insurance with a coverage of at least $15,000 per year for inpatient care and day surgery during your helper’s stay in Singapore.

On 4 Mar 2022, MOM announced that the medical insurance requirements for all Work Permit and S Pass holders will be enhanced with effect from end-2022.

You should engage your insurers early to ensure that they will be able to offer products that will meet MOM’s new requirements. Otherwise, you may need to look for another insurer.

More details will be shared in due course.

Personal accident 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.

This is to protect your helper and her family by providing a lump sum compensation if she suffers from permanent disability or passes away due to an accident.

The compensation must be made payable to your helper or her beneficiaries.