FWD Maid Insurance Review

FWD’s Maid Insurance can help provide peace of mind by covering both you and your foreign domestic helper for expenses arising from unforeseen events, such as illness, accidents, hospitalisation, death and more. It offers three levels of cover to suit various needs.

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Name	Product	Medical Expenses Cover	Home Contents Cover	Hospitalisation and surgical expenses cover	Pre-existing medical conditions?
FWD Enhanced Maid Insurance		Up to $2,000 (outpatient, due to accident)	$4,000 (optional)	$20,000	No	Get 25% discount using promo code FINMAID when you purchase any Maid Insurance plan. T&Cs apply. Ends 31 March 2023.	Go to site More Info	Compare	loading Fetching your data...
FWD Essential Maid Insurance		$1,000 (outpatient, due to accident)	$3,000 (optional)	$15,000	No	Get 25% discount using promo code FINMAID when you purchase any Maid Insurance plan. T&Cs apply. Ends 31 March 2023.	Go to site More Info	Compare	loading Fetching your data...
FWD Exclusive Maid Insurance		$3,000 (outpatient, due to accident)	$5,000 (optional)	$25,000	No	Get 25% discount using promo code FINMAID when you purchase any Maid Insurance plan. T&Cs apply. Ends 31 March 2023.	Go to site More Info	Compare	loading Fetching your data...

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More about FWD Insurance

Established in 2013, FWD is the insurance arm of Hong Kong’s investment conglomerate, Pacific Century Group. Since April 2016, FWD has offered a range of B2B and B2C insurance products in Singapore, including life, car, travel, personal accident and maid insurance.

With some of the most affordable premiums on the market, FWD’s Maid Insurance plans come with comprehensive coverage and a wide array of optional add-ons such as six-monthly medical examination cover and home contents protection. Check out FWD’s maid insurance options to see if they’ve got a policy that works for you.

What policies can I choose from and how do they compare?

FWD’s maid insurance is available to be purchased for either 14 or 26-months period and comes in three levels of cover – Essential, Enhanced and Exclusive.

We’ve listed the general overviews of the inclusions that come with each level of maid insurance coverage. For more detailed inclusions and exclusions for each benefit, make sure to check the insurer’s policy wording. Here’s the table of benefits for you as an employer:

These are the maximum benefit limits that are payable to your helper according to your selected plan:

Optional add-on protection

You may also customise your plan with extra coverage options. So if you’re on a tight budget, you can choose a lower level of cover and still be able to add on extended benefits that aren’t normally covered. These are the 6 optional financial protection for your consideration:

• Cashless outpatient medical expenses. If your helper falls sick and needs to visit the doctor, this add-on provides cashless cover for the cost incurred from consultation, prescription and diagnostic tests up to of $30 per outpatient visit at FWD’s network of clinics. However, you’ll need to pay the first $10 per visit plus any other amount that is not covered.
• Six-monthly medical examination. Save on the fees for MOM’s mandatory 6-monthly medical tests (6ME) for foreign domestic workers (for pregnancy and syphilis tests only). In addition, you’ve the option of getting the tests done either at your residence or at any FWD’s selected clinics.
• Performance bond for Philippine Embassy. If your Filipino domestic helper is going on home leave or to renew her passport, the purchase a Philippine Embassy Bond will be covered by FWD. If there’s a breach of bond, you’ll not be required to pay for any charges that arise from it.
• Top up hospitalisation & surgical expenses. Secure yourself against additional hospitalisation expenses for your maid or helper, worldwide.
• Daily hospital allowance. If your helper is admitted to a local hospital due to an illness or injury for a minimum of 3 consecutive days, FWD will pay a daily hospital allowance for up to 30 days.
• Home contents cover. You’ll be compensated for the loss or damage of your home contents in the case of theft by your maid, fire and burglary.

What does a maid policy from FWD cover?

Here are some benefits you can expect:

• Personal accident and hospitalisation benefit. Your helper or their beneficiary will receive up to $60,000 compensation for accidents resulting in death or permanent disability. In additional, medical expenses incurred for your helper’s hospitalisation due to illness or injury will also be reimbursed.
• Theft cover. Enjoy greater peace of mind knowing that your belongings are covered up to the insured sum, should there be a case of theft from your helper.
• Security bond. As part of the Ministry of Manpower (MOM) hiring requirement for foreign domestic worker (FDW), you’ll need to pay a $5,000 security bond for your helper. With this benefit, FWD will issue a Letter of Guarantee to MOM on your behalf to waive the $5,000 security bond so you don’t have to fork out the sum.
• Protection against unexpected expenses. You’ll be reimbursed for the employment agency fees incurred from replacing your helper if she was unfit to work due to an illness or injury, or has passed away. To qualify, you’ll need to hire another helper within 90 days from the date the last maid’s work permit was terminated.

What doesn’t my policy cover?

Here are some exclusions that the FWD maid policy will not cover:

Policy cost

To find out how much it’ll cost to cover your maid, simply select your options and get an instant quote online via FWD’s website. Depending on your needs, choose either a 14- or 26-month plan, input your desired policy commencement date and your helper’s home country. Click “next” to view all the available options and pricing.

For a rough idea of how much a maid policy from FWD will cost you, take look at the table below indicating the costs for a 14-month cover on a new helper from the Philippines.

The three levels of cover are priced at $335.02 for Essential, $422.50 for Enhanced, and $497.50 for Exclusive plan.

Pros and cons of FWD maid insurance

Getting your maid coverage from FWD

If you’ve compared your options and decide to obtain protection for your domestic helper from FWD, click on ‘Get a quote’ to proceed. Indicate the date you wish for the cover to start, the policy length (either 14- or 26-months) and select the country your domestic help comes from. Select your desired plan and add-ons, then proceed to the next page.

You’ll be required to input both you and your helper’s details, so make sure to have them on hand:

• Your personal details
• Your domestic helper’s details:
  • Full name
  • Work permit number
  • Work permit type
  • Date of birth
  • SB transmission number
  • Passport number

You’ll then receive a summary for your cover and may proceed to make payment for the insurance online.

How to make a claim

To file a claim with FWD, simply head to its claims page through its website and select the policy you’re claiming from. On the form, you’ll be required to fill both your helper’s and your particulars (name, NRIC, contact number and email). Next, you’ll be required to provide details for your claim:

• Date, time and location of incident
• Detailed description of the incident
• Nature and extent of the damage, loss or injury

Finally, you’ll need to scan and upload other specific types of supporting documentation. Examples include medical reports, original invoices and receipts and police reports and any other relevant document. If were any third party property or injury involved, you’re required to provide its details and particulars. medical reports or other information.

Do note that all claims are assessed on a case by case basis and depending on the circumstances of your claim, further investigations may be required.

Bottom line

Compared to its competitor’s offerings, FWD’s maid insurance policies come with some of the lowest premiums and a wider breadth of coverage. With a variety of optional add-ons, you have more control over the type of coverage you’re paying for instead of an expensive all-in plan with benefits may not suit your needs.

Regardless of which level of cover you opt for, all the base plans include a cover for re-hiring expenses, MOM Waiver of Indemnity and provide a 100% premium refund for valid cancellation within the first 3 months.

Frequently asked questions

• How long is the maid insurance quote I've received valid for?

  The maid insurance quote is valid up to 30 days from the date which you obtained the quote.

• How can I renew my helper's work permit?

  You can renew your maid’s work permit after receiving the renewal letter from the Ministry of Manpower. You may refer to the detailed renewal guide on the MOM’s website.

• Who can purchase this policy?

  You’re eligible to purchase cover for your new help if you meet the following requirements:

  • A resident of Singapore with a valid NRIC or FIN;
  • You’re the helper’s employer;
  • You’re not an undischarged bankrupt;
  • You never had to forfeit your security bond to the MOM, or performance bond to the Philippine Embassy related to any helper in the past;
  • You have never been refused when purchasing or renewing any maid insurance;
  • You have never had maid insurance cancelled or voided by your insurer.