Many families in Singapore today are totally dependent on maids for their household activities. Many such maids are not originally from Singapore and you will have to mandatorily purchase maid insurance with a personal accident coverage of at least S$60,000 and a medical coverage of at least S$15,000. In Singapore, maid insurance is usually offered together with a security bond of S$5,000.
United Overseas Insurance offers a package insurance plan known as the United Foreign Domestic Worker Insurance that fulfils the latest requirements set by the Ministry of Manpower (MOM). In addition to the basic coverage, you and your maid will also get other insurance benefits such as special grant, repatriation benefits, termination expenses, and more.
Some of the key highlights of the United Foreign Domestic Worker Insurance are as follows:
|Insurance Benefits||Standard Plan (S$|
|For Ministry of Manpower|
Letter of Guarantee
Excess: S$250 to be paid by the insured
Special Extension: Letter of Guarantee Protector
|Up to 5,000|
|For Foreign Domestic Worker|
|Foreign maid’s personal belongings||Up to 300|
|Surgical expenses and/or hospitalisation limit per year||Up to 15,000|
|Repatriation expenses||Up to 10,000|
|Special Grant||Up to 1,000|
|Personal Accident (throughout the world)|
|Chiropractic treatment and/or Traditional Chinese Medicine||Up to 350|
|Medical expenses||Up to 2,000|
|Permanent disablement subject to the schedule of benefit||Up to 60,000|
|Accidental death||Up to 60,000|
|Foreign maid’s liability||Up to 5,000|
|Care benefit against abuse by the maid||Up to 2,000|
|Replacement benefit||Up to 350|
|Termination expenses||Up to 350|
|Temporary alternate arrangement, for a period of up to 30 days||Up to 20 per day|
|Reimbursement of salary paid, for a period of up to 30 days||Up to 30 per day|
This policy offers a single cover of 26 months and is only available in one plan - the Standard Plan. Here are the premiums payable:
|Standard Plan||S$268.45 (includes 7% GST)|
|Optional Cover - Insurance Bond Payable to POLO (Philippines Overseas Labour Office)|
|Bond amount worth S$2,000||S$35|
|Bond amount worth S$7,000||S$70|
With the United Foreign Domestic Worker Insurance, you will not get any coverage in the following instances:
Before you go ahead and buy this insurance policy, you will have to take into consideration, the following factors:
To purchase this insurance policy you can visit the official website of UOI and click on the ‘Buy Now’ button. You will be directed to a page where you will have to enter details such as your plan duration and the start and end date after which you will get a quotation. You will have to select the plan following which you can make the payment.
If you wish to make a claim, you will have to provide a written notice of the event and must give UOI a notice of 30 days within the occurrence of the event. You will have to complete a claim form and send it along with other relevant documents to the office of UOI at United Overseas Insurance Limited, 3 Anson Road #28-01 Springleaf Tower, Singapore 079909 Attention: The Claims Department.
You must also provide UOI all the necessary documents including certificates, reports, and evidence. The benefits payable as part of the claim shall not carry interest. Your maid may have to undergo a medical examination by UOI’s medical advisor.
The United Foreign Domestic Worker Insurance will be terminated when UOI receives the discharge notice given by Ministry of Manpower during the insurance period. If such an event takes place, you will be entitled to a premium refund as per the table given below:
|Discharge Date||Percentage of Premium Refund|
|More than 180 days from the date of the policy||No refund|
|Between 91 and 180 days from the date of the policy||30%|
|Between 61 and 90 days from the date of the policy||60%|
|Between 32 and 60 days from the date of the policy||80%|
|Within 31 days from the date of the policy||85%|
You will not get any refund if a claim is made under this policy. The premium refund for the termination of the bond to the Philippine Overseas Office before it expires is subject to a minimum premium of S$35.
If you have any queries regarding this insurance policy, you can call 62227733 from Monday to Thursday between 8:45 a.m. and 5:45 p.m. and on Friday between 8:45 a.m. and 4:45 p.m. The number is not available on weekends and public holidays.