MaidPlus
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Does MaidPlus meet the Ministry of Manpower's (MOM) requirements for foreign workers?

MaidPlus is a comprehensive package of benefits covering accidental death or disablement, hospital and surgical expenses, wages and levy reimbursement, repatriation expenses, guarantee bond and other benefits.

These include MOM’s requirement of (i) Hospital & Surgical Expenses of at least $15,000 a year and (ii) Personal Accident of $60,000 covering death and personal disablement for the foreign domestic maid. For a higher coverage and benefit limits, you can choose the Classic or Premier plans for that extra protection. 

How does the Insurance Guarantee Bond work?

We will issue a Letter of Guarantee as a security bond on your behalf to the Ministry of Manpower ("MOM").
If you require, we will also issue a Letter of Guarantee to the Philippine Overseas Labour Office in Singapore ("POLO") on your behalf.
If a demand is made by MOM and/or POLO as the case may be, we will first make the payment and recover any paid sums from you under the policy conditions of the section on Insurance Guarantee Bond.
You can purchase the optional cover for the Waiver of Counter Indemnity in respect of the Letter of Guarantee to MOM, paying only $250 for the excess for your own account.

When will the Insurance Guarantee Bond be transmitted to MOM?

The Insurance Guarantee Bond will be transmitted electronically to MOM as follows:

• For a new hire or transfer case – within 14 days before the commencement date of the insurance
• For renewal – 2 working days after your application is accepted by us

What is the difference between Medical Expenses benefit and Hospital & Surgical Expenses benefit?

Medical Expenses under the Personal Accident section of MaidPlus cover the cost of treatment (including outpatient treatment) due to accidents only. The cover under Hospital & Surgical Expenses is wider as it extends to medical expenses incurred as an inpatient of a Hospital as a result of illnesses or accidents. Medical expenses incurred up to 90 days pre and post hospitalisation and day surgery are also covered under Hospital & Surgical Expenses.

How does the Wages & Levy reimbursement benefit work?

MaidPlus pays a fixed sum per day up to 60 days if your Maid is hospitalised as a result of an injury or illness so long as Hospital & Surgical Expenses benefit is payable.

How does the Alternative Domestic Help benefit work?

This benefit relieves an employer by reimbursing a fixed daily sum up to 60 days to supplement the cost of hiring alternative domestic help during the period of your Maid's hospitalisation due to a covered injury or illness.

Will my Maid be covered when she returns to her home country for holiday?

When your Maid goes on holiday in her home country, she will be covered only for the Accidental Death and Permanent Disablement benefit provided her work permit is not cancelled during the period. All the other benefits will resume cover upon her return to Singapore.

Can I buy the Philippine Overseas Labour Office (POLO) Bond Midway?

Yes, you can buy the POLO Bond midway if you are an existing MaidPlus policyholder. The cover will end on the same date as the period of insurance of your existing policy. For more information, please email us at service@sg.msig-asia.com for assistance.

Do I get a refund if I cancel my MaidPlus policy?

If you cancel the Policy, you will receive a refund of premium based on the Company's short period rates for the unexpired period of insurance, subject to a minimum charge of $50. There will be no refund if the cancellation is made 180 days or more after the commencement date of the insurance.

Can I change my plan once the policy has started?

Mid-term change of plans is not allowed once the cover has commenced. To ensure you and your helper are adequately protected, please select the plan that best fits your needs at the start of the cover. 

[For existing MSIG MaidPlus policyholder] My maid is currently undergoing medical treatment, for my new maid policy application, can I buy a higher plan for increased hospitalisation and surgical expenses to cover for those medical conditions?

The higher plan limits will apply only to new medical conditions under the new insurance period. If your maid's medical condition was first made known/ occur during a previous policy period with MSIG, the hospitalisation and surgical expenses benefit limit will be capped up to the Hospital & Surgical Expenses limit under that plan and/or optional cover if any, of the policy previously insured with us or under the new policy, whichever is lower. 

How do I make a claim?

Please contact our Claims Department as soon as possible after any event giving rise or likely to give rise to a claim and complete a Claim form to facilitate the claim process. Written proof of the accident such as police report, doctor's report, original medical receipts, invoices and all supporting documents must be furnished as proof of claim.

How do I redeem the Medical check-up gift?

Purchases made online are eligible for complimentary Medical Check-up. You will receive the gift via email via email with relevant links for redemption. To redeem, present the redemption email and the Medical Examination Form for Foreign Domestic Worker from Ministry of Manpower, to any of the listed Shenton Medical Group clinic convenient to you. Please contact the clinic prior to your visit to ensure availability of the flu vaccination.

If you are holding on to a physical copy of the redemption letter (for online purchases made prior to 1 July 2019),  please contact our Customer Service Officers at 6827 2548 (Mon to Fri, 8:45am – 5.30pm) or email us for the clinic listing.