What coverage should be included in the FDW insurance?

What coverage should be included in the FDW insurance?

Here are some mandatory minimum coverage requirements that her plans should encompass. Keep reading to discover further details on the essential components of FDW insurance:

Health Insurance

To begin with, it is essential to acquire medical insurance before your helper’s arrival in Singapore. It’s important to note that foreigners, unlike Singaporeans, do not receive subsidies, potentially resulting in larger medical bills compared to Singaporeans at Restructured Hospitals. Therefore, it is imperative that your helper’s insurance plan offers adequate coverage to address any medical needs, providing reassurance in the face of unforeseen healthcare expenses.

According to the Ministry of Manpower (MOM), the medical insurance must provide coverage of at least $15,000 per year for inpatient care and day surgery throughout your helper’s tenure in Singapore. Additionally, it is highly recommended to purchase supplementary insurance coverage to safeguard against excessive medical costs incurred by your FDW.

It’s advisable to verify if the insurer offers a rider for outpatient expenses and covers conditions such as pre-existing conditions and mental illnesses. While the rider is optional, having this additional layer of protection can provide added peace of mind. Therefore, it is essential to carefully consider the features and benefits of your insurance plan to ensure comprehensive protection.

Accident coverage for personal incidents is crucial.

Employers are required to obtain personal accident insurance (PAI) with a minimum coverage of $60,000 per year. This insurance is designed to safeguard your helper and her family by offering a lump sum compensation in the event of sudden, unforeseen incidents leading to permanent disability or death. Additionally, it’s advisable to verify whether your insurance policy includes coverage for repatriation expenses. These provisions can be beneficial should there be a necessity to repatriate your helper.

Surety Bond

Many insurance packages for FDWs typically incorporate the Security Bond along with the Personal Accident Insurance coverage. The Security Bond, set at $5,000, serves as a contractual commitment payable to the government if either you or your worker violates the law or the conditions of the Work Permit during her employment.


Ensure that the insurance plans you purchase fully comply with all MOM requirements, and familiarize yourself with the features of the insurance plans for your helper. Additionally, explore other optional add-ons available in your insurance plans, such as enhanced personal accident and medical coverage, for which you may need to pay additional premiums. It’s essential to consider these options, especially since medical costs are not subsidized for non-Singaporeans.

For a clean, healthy, and joyful household, securing a trustworthy employment agency is crucial to access well-prepared domestic helpers. With a track record of serving over 30,000 contented families in Singapore, Jaya Maids specializes in providing trained foreign domestic workers (FDWs). 

Our dedicated team is committed to providing customized and high-quality maid services tailored to meet your specific needs. Whatsapp us today to explore JayaMaids’ services and find the perfect maid for your home!

Verified by MonsterInsights
Seraphinite AcceleratorOptimized by Seraphinite Accelerator
Turns on site high speed to be attractive for people and search engines.