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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.

This minimum required coverage will increase to $60,000 per year, for policies with start date effective on or after 1 July 2023. This better protects employers against large medical bills incurred by their helpers.

To implement for MI policies, renewals or extensions with start date effective from Enhanced MI requirements
1 July 2023 (Stage 1) Introduction of a co-payment element* for employers and insurers for amounts above $15,000, up to an annual claim limit of at least $60,000
1 July 2025 (Stage2)
  • Standardisation of allowable exclusion clauses
  • Introduction of age-differentiated premiums for those aged 50 and below, and those aged above 50
  • Requirement for insurers to reimburse hospitals directly upon the admissibility of the claim

*Co-payment of 75% by insurers (and 25% by employers) for claim amounts above the first $15,000.

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.