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MSIG MaidPlus Insurance Review

Give your domestic helper the protection they need while under your employment in Singapore.

MSIG MaidPlus offers extensive coverage on both fronts – higher liability coverage for employers and comprehensive medical benefits for domestic helpers.

Take a look at how MSIG MaidPlus maid insurance works in this review.

Compare MSIG MaidPlus Insurance

Name Product Medical Expenses Cover Home Contents Cover Hospitalisation and surgical expenses cover Pre-existing medical conditions?
MSIG MaidPlus Standard
MSIG MaidPlus Standard
S$1,000
N/A
S$15,000 per year
Yes
Apply online and get 20% off all plans. T&Cs apply. Valid until 31 Oct 2021.
MSIG MaidPlus Classic
MSIG MaidPlus Classic
S$2,000
N/A
S$30,000 per year
Yes
Apply online and get 20% off all plans and an extra medical check-up for Classic and Premier plans. T&Cs apply. Valid until 31 Oct 2021.
MSIG MaidPlus Premier
MSIG MaidPlus Premier
S$3,000
N/A
S$50,000 per year
Yes
Apply online and get 20% off all plans and an extra medical check-up for Classic and Premier plans. T&Cs apply. Valid until 31 Oct 2021.
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Quick verdict

Good for
  • High employer liability coverage
  • Three cover options to suit different budgets
  • Wide breadth of coverage and above-average benefit limits
  • Standard plan offers lower than market average premium rates
Not so great for
  • Does not offer 14-month plans
  • Low third party liability coverage
  • Limited add-on covers available

What is MSIG MaidPlus?

MSIG MaidPlus is an insurance policy to protect your domestic helper and her family, as well as your interests as an employer. It comes with a range of benefits to covers both accidents and medical care expenses sustained by your maid.

In the event of an accidental death or permanent disability, your maid or her estate will also receive a lump sum compensation.

Limited offer

Apply online and enjoy a 20% discount and complimentary medical check-up on MSIG MaidPlus Classic and Premier plans.

Valid till 31 October 2021. Terms and conditions apply.

What cover options are available

MSIG MaidPlus offers three levels of cover :

  • Up to S$60,000 p.a. in personal accident cover
  • Up to S$1,000 for medical expenses – includes sub-limits of S$500 for dental, S$100 for TCM treatment and S$100 for dengue fever
  • Up to S$15,000 p.a. for hospital and surgical expenses – includes inpatient expenses, 90 days pre and post hospitalisation follow-up treatments and day care surgery
  • Up to S$10,000 for repatriation expenses following your maid’s death or permanent disablement
  • S$50 daily allowance (max 30 days) to hire a temporary helper if your maid is hospitalised
  • S$30 daily allowance (max 30 days) in wages and levy reimbursement if your maid is hospitalised
  • Up to S$500 for replacement maid expenses
  • S$300 compensation for termination expenses if your maid is certified unfit for work due to an injury or illness
  • S$2,000 lump-sum death benefit for your maid’s estate or legal personal representative
  • Up to S$5,000 for third party liability resulting from your maid’s negligence during her employment in Singapore
  • Up to S$300 for the loss or damage to your maid’s personal belongings – in the event of a fire, water or flood damage at your residence
  • S$5,000 Letter of Guarantee to the Ministry of Manpower
  • Up to S$60,000 p.a. in personal accident cover
  • Up to S$2,000 for medical expenses – includes sub-limits of S$500 for dental, S$100 for TCM treatment and S$100 for dengue fever
  • Up to S$30,000 p.a. for hospital and surgical expenses – includes inpatient expenses, 90 days pre and post hospitalisation follow-up treatments and day care surgery
  • Up to S$15,000 for repatriation expenses following your maid’s death or permanent disablement
  • S$50 daily allowance (max 45 days) to hire a temporary helper if your maid is hospitalised
  • S$30 daily allowance (max 45 days) in wages and levy reimbursement if your maid is hospitalised
  • Up to S$500 for replacement maid expenses
  • S$600 compensation for termination expenses if your maid is certified unfit for work due to an injury or illness
  • S$3,000 lump-sum death benefit for your maid’s estate or legal personal representative
  • Up to S$10,000 for third party liability resulting from your maid’s negligence during her employment in Singapore
  • Up to S$300 for the loss or damage to your maid’s personal belongings – in the event of a fire, water or flood damage at your residence
  • S$5,000 Letter of Guarantee to the Ministry of Manpower
  • Up to S$60,000 p.a. in personal accident cover
  • Up to S$3,000 for medical expenses – includes sub-limits of S$500 for dental, S$100 for TCM treatment and S$100 for dengue fever
  • Up to S$50,000 p.a. for hospital and surgical expenses – includes inpatient expenses, 90 days pre and post hospitalisation follow-up treatments and day care surgery
  • Up to S$20,000 for repatriation expenses following your maid’s death or permanent disablement
  • S$50 daily allowance (max 60 days) to hire a temporary helper if your maid is hospitalised
  • S$30 daily allowance (max 60 days) in wages and levy reimbursement if your maid is hospitalised
  • Up to S$750 for replacement maid expenses
  • S$600 compensation for termination expenses if your maid is certified unfit for work due to an injury or illness
  • S$3,000 lump-sum death benefit for your maid’s estate or legal personal representative
  • Up to S$20,000 for third party liability resulting from your maid’s negligence during her employment in Singapore
  • Up to S$500 for the loss or damage to your maid’s personal belongings – in the event of a fire, water or flood damage at your residence
  • S$5,000 Letter of Guarantee to the Ministry of Manpower

How do the features for MSIG MaidPlus policy compare?

MSIG’s maid insurance is available for a 26-month period and comes in three levels of cover – Standard, Classic and Premier.

Here’s the table of benefits for you as an employer:

Cover feature (For employer)StandardClassicPremier
Medical expenses

S$1,000

S$2,000

S$3,000

Hospitalisation and surgical expenses

S$15,000 p.a.

S$30,000 p.a.

S$50,000 p.a.

Alternative domestic help benefit

S$50 per day
(max 30 days)

S$50 per day
(max 45 days)

S$50 per day
(max 60 days)

Wages and levy reimbursement

S$30 per day
(max 30 days)

S$30 per day
(max 45 days)

S$30 per day
(max 60 days)

Repatriation expenses

S$10,000

S$15,000

S$20,000

Terminal expenses

S$300

S$600

S$600

Re-hiring expenses

S$500

S$500

S$750

Third-party liability

S$5,000

S$10,000

S$20,000

Maid insurance guarantee bond (MOM)

S$5,000

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

Cover Feature (For domestic helper)StandardClassicPremier
Death and permanent disablement$60,000 p.a.$60,000 p.a.$60,000 p.a.
Special grantS$2,000S$3,000S$3,000
Loss/damage to maid’s belongingsS$300S$300S$500

*For more detailed inclusions and exclusions for each benefit, make sure to check the insurer’s policy wording.

Optional add-on protection

If you’re worried about facing potential lawsuits and prefer extra liability protection, MSIG also offers three optional financial protection that you can add to your policy:

  • Waiver of counter indemnity for Maid Insurance Guarantee Bond to MOM. This cover will relieve your liability in the event whereby the Ministry of Manpower makes a payment demand for the Letter of Guarantee. The claim will be subject to a S$250 excess.
  • Employer’s liability. With this cover, you’ll be indemnified against any compensation arising from injury or illness claims from your maid. Choose from three levels of increased coverage: S$300,000, S$500,000 and S$1 million.
  • Maid insurance guarantee bond. Employers of Filipino maids are obliged to deposit a S$7,000 bond to the Philippine Overseas Labour Office (POLO). With this add-on cover, MSIG will furnish a Letter of Guarantee on your behalf in lieu of the sum S$2,000 or S$7,000 (as specified in the schedule) to POLO.

Covid-19 cover for foreign domestic workers

With effect from 1 January 2021, the Ministry of Manpower requires all long-term pass (LTP) holders (including foreign domestic workers) returning to or entering Singapore are required to have insurance coverage of at least S$10,000 for their medical expenses if they develop Covid-19 symptoms or test positive within the first 14 days of entry or re-entry to Singapore.

MSIG MaidPlus will cover up to S$30,000 (on top of the policy’s hospitalisation coverage) for eligible inpatient hospital and surgical expenses incurred. Currently, the fee for this mandatory add-on cover is waived.

Premium rates

Here are the premium rates (inclusive of 7% GST) for MSIG MaidPlus, as of 19 September 2021:

PremiumStandardClassicPremier
Basic coverage (26 months)S$267.50S$363.80S$417.30
Optional covers
Waiver of counter indemnity for Maid Insurance Guarantee Bond to MOMS$53.50 (subject to S$250 excess)
Employer’s liabilityUp to S$300,000: S$26.75

Up to S$500,000: S$37.45

Up to S$1,000,000: S$69.55

Maid Insurance Guarantee Bond – Philippines Overseas Labour Office (POLO)S$80.25

What won’t be covered?

Here are some exclusions that the MSIG MaidPlus policy will not cover:

  • Claims arising from any breach of your helper’s work permit or work permit’s conditions.
  • Daily hospital allowance claim if your helper is admitted to a hospital overseas.
  • Home contents that were lost or damaged due to the lack of reasonable precautions.
  • Home contents that were mysteriously lost or damaged, with no substantial evidence that it was the result of theft by your helper, fire or burglary.
  • Incidents caused by intoxication by alcohol or non-prescribed drugs.
  • Any incidents that resulted from actions caused by mental, psychological or psychiatric disorders.
  • Your claim arises from wilful participation by you, your family, or your helper in any act that is reckless or illegal.
  • Any consequences of war, riot, revolution, or other similar events.

Getting your maid coverage from MSIG

If you’ve compared your options and decide to obtain protection for your domestic helper from MSIG, click on ‘Buy now’ and complete the following steps:

  1. Select the appropriate cover type – whether it’s for a new policy, transfer or renewal
  2. Input the dates for the Period of Insurance and proceed
  3. Next, select your desired plan (Standard, Classic or Premier) and add-ons
  4. Input your application details or choose to have them retrieved directly from Singpass
  5. Review the policy and make payment online

How to make a claim

To file a claim, simply head to MSIG MaidPlus claims page and download the claims form. Alternatively, you may also request for the form to be sent to you. Fill up the necessary details and submit all relevant documents related to the incident.

Do note that the ‘Medical Report’ section of the claim form should be completed by the attending doctor. If were any third party property or injury involved, you’re required to provide its details and particulars, medical reports or other information.

Claims are typically settled within three weeks after you’ve submitted all the relevant documents.

Supporting documents

Be sure to provide the following along with your claim form, if applicable:

  • Original clinic/medical bills or receipts
  • Medical report/discharge summary
  • Copy of work permit
  • Evidence of wages/levy
  • Motor accident report/police report
  • Letter of administration

    Bottom line

    Overall, MSIG MaidPlus is comprehensive and value for money. Although its premium rates aren’t the lowest in the market, the Standard plan is one of the cheaper options on the market. Its benefit limits are also consistently above average, be it hospitalisation expenses or add-on coverage.

    However, MSIG MaidPlus does come with few drawbacks. For instance, it does not offer cashless outpatient medical expenses (which means you’d need to fork out the money for these payments and get a reimbursement when the claim is approved) and home contents cover (for loss or damage of your home contents in the case of theft by your maid, fire and burglary). Also, MSIG MaidPlus is only available in 26-months plan, so it’ll not suit your needs if you’re only looking to hire a domestic helper for a year.

    Maid insurance is offered by many insurers in Singapore, so be sure to compare it with other industry offerings to find a policy that best fits your budget and needs.

    About MSIG

    With a presence in Singapore for over 100 years, MSIG is a well-trusted brand in Singapore and one of Asia’s leading general insurers. The brand is one of the few foreign‑based general insurers that offer a wide range of personal and commercial insurance solutions.

    MSIG Insurance (Singapore) Pte. Ltd. is a wholly-owned subsidiary of MSI and a member of the MS&AD Insurance Group.

    Finder does not provide the products and services listed on its website (including insurance policies) to users. We do not assume any risk or undertake any liability under any insurance policies that we may provide information on.

    There is no insurance agency relationship created between Finder and the user. We do not negotiate, service or effect insurance contracts on your behalf or on behalf of the insurer or insurance broker. We do not act as your agent.

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