Insurance Requirements for Foreign Domestic Worker (FDWs)

Your helper’s well-being is important. With proper medical and accident insurance, you can be assured that she is covered in times of need, giving both your family and your helper the confidence to focus on what truly matters—creating a safe and harmonious home.

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Medical Insurance (MI)

  • ✔ Coverage: Inpatient care & day surgery
  • ✔ Minimum Annual Limit: S$60,000
  • ✔ Enhanced Requirements:
    • Co-payment: 75% insurer, 25% employer above S$15,000
    • Standardised exclusion clauses
    • Age-differentiated premiums (≤50 & >50)
    • Direct payment to hospitals
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Personal Accident Insurance (PAI)

  • ✔ Covers permanent disability & death from accidents
  • ✔ Minimum Sum Assured: S$60,000 per year
  • ✔ Must comply with Employment of Foreign Manpower Regulations
FeatureStandard MIEnhanced MI
Annual LimitS$60,000S$60,000 (direct payment & co-payment)
Co-paymentN/A75% insurer / 25% employer above S$15,000
Exclusion ClausesVaries by insurerStandardised by MOM
Age BandsN/A≤50 years & >50 years

Information sourced from the Ministry of Manpower (MOM) Singapore.


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