Income · Maid insurance

Domestic Helper Insurance

Domestic-helper insurance by Income. 26-month premium from S$486. Medical limit up to S$60,000, personal accident up to S$80,000.

By MoneyAtlas Research · Verified 12 Jul 2026 · How we verify & rank

Last verified 12 Jul 2026 · 2 official sources · maid-2026-07-12

Last verified12 Jul 2026

Data versionmaid-2026-07-12

Verified sources2 of 2

From the insurer's official product page or brochure. Premiums vary by the helper's age, nationality, term and add-ons; a headline benefit is a ceiling, not a guarantee.

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Premiums (base tariff)

Plan	Helper age	Term	Premium
Standard	Not age-specific in public article	26 months	S$486

Plan facts

PlansBasic · Standard · Enhanced

PricingPartly published; most profiles use live quote

Renewal / term14- or 26-month structure; extra 2 months are included without extra premium according to Income. Current age-based premium and add-ons require quote.

Benefits

Personal accident60,000 | 60,000 | 80,000

Hospital & surgical annual60,000 | 60,000 | 60,000

Employer co-payment above first 15k25% | 25% | 25%; waiver add-on available

Outpatient accident1,500 | 2,000 | 3,000

Repatriation10,000 | 10,000 | 10,000

Wages compensation— | 20/day up to 30d | 35/day up to 30d

Termination / temporary help— | 150 | 500

Helper liability25,000 | 25,000 | 75,000

Special grant— | 2,000 | 3,000

Pre-existing conditionHospitalisation cover after helper has worked as an FDW in Singapore for more than 12 continuous months.

Cash-flow supportPublic-hospital Letter of Guarantee; direct hospital payment subject to admissibility and assessment.

Optional add-ons

MOM security bond protector; employer liability limited to S$250 when conditions metAdditional hospital & surgical limitWaiver of co-payment

The balanced take

AI-drafted · human-reviewed · 12 Jul 2026

A plan strong on employer-side operational benefits and pre-existing-condition continuity, with high liability and outpatient limits at the Enhanced tier — though base medical stays at the S$60k minimum unless topped up.

Commonly praised

Clear employer-side operational benefits
Pre-existing-condition continuity for returning helpers
High liability and outpatient limits at Enhanced

Common trade-offs

Base medical stays at S$60k unless topped up
Pro-ration applies for private/overseas treatment
Only one current public base price was found

AI-drafted from this plan's documented strengths and trade-offs, then reviewed by our team. It is an educational synthesis of published product facts — not consumer reviews, an insurer statement, or financial advice. Confirm details with the insurer or a licensed adviser.

Community reviews

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Income Domestic Helper Insurancefigures are indicative, for comparison and education only, from the insurer’s published 2026 material. Actual premiums, co-payment, eligibility, exclusions and payouts depend on the helper’s profile and the policy contract, and campaign discounts are excluded. This page does not rank plans or recommend a product. Confirm with Income or a licensed financial adviser before any decision.