FDW Insurance & Bond

Before your helper arrives in Singapore, you must:
Buy a security bond, medical and personal accident insurance for her.

Important note:

• You cannot pass on the cost of purchasing the insurance to your helper.
  

• the security bond is not in effect when your helper arrives in Singapore, the immigration officer will not allow her to enter. We are unable to change the security bond effective date to allow the helper to enter Singapore. You will have to send her home immediately.

1. Medical Insurance (MI):

This insurance covers your helper's medical expenses while they are working in Singapore. It must include:

• Inpatient Care: Coverage for hospital stays.

• Day Surgery: Coverage for procedures performed on a same-day basis.
  

The minimum annual coverage amount depends on when your policy starts:

• Policies starting before July 1, 2023: $15,000

• Policies starting on or after July 1, 2023: $60,000
  
  

2. Personal Accident Insurance:

This insurance protects your helper and their family in case of an accident resulting in death or permanent disability. The policy must meet these conditions:

• Minimum Coverage: $60,000 per year.

• Coverage for: Sudden, unexpected accidents leading to death or permanent disability.

• No Extra Exclusions: The policy cannot include extra exclusion clauses beyond those specified in the Employment of Foreign Manpower Regulations.

• Beneficiary: The compensation must be payable to your helper (if they survive the accident) or their designated beneficiaries.
  
  

Important: Failure to provide the required insurance coverage can result in penalties. It's crucial to carefully review the terms and conditions of any insurance policy before purchasing it to ensure it.

If you engage Maison Helper Pte Ltd's services, we'll handle the insurance arrangements for you.

For more detailed information on insurance requirements, please visit the MOM website: https://www.mom.gov.sg/passes-and-permits/work-permit-for-foreign-domestic-worker/eligibility-and-requirements/insurance-requirements

Understanding security bond

Hiring a helper in Singapore requires a security bond. Think of it as a $5,000 deposit (per helper, except for Malaysian helpers) you give the government. This protects them if you or your helper break any rules or Work Permit conditions. You can't make your helper pay this.

Getting Your Money Back:

You get your $5,000 back only after:

• You cancel your helper's Work Permit.

• Your helper returns home.

• Neither you nor your helper broke any rules.
  

It usually takes about a week after your helper leaves Singapore. You'll get a letter confirming this.

Losing Your Money:

You lose your $5,000 if:

• You or your helper breaks any rules (Work Permit or bond conditions).

• You don't pay your helper on time.

• You don't send your helper home when their Work Permit ends.

• Your helper goes missing.

Important Note: If your helper breaks a rule (like those related to pregnancy), you won't be responsible if you can prove you:

• Told your helper about the rules.

• Reported any rule-breaking immediately.