Compare NTUC Income Maid Insurance

Get up to $100,000 in cover, and more.

Last updated:

Cleaner working

If you want to hire a maid to take care of your household chores, then insurance is going to be a necessity for you. NTUC Income is one of the best known providers of domestic helpers in Singapore. It offers three types of cover depending on your requirements. Plus, your security bond and all the relevant paperwork is taken care of.

Read on to find out the key points on NTUC’s maid insurance plans.

What cover types does NTUC maid insurance offer?

There are three core types of maid insurance with NTUC. These are Basic, Standard and Enhanced:

  • $35 per day in wages compensation – up to 30 days
  • $500 expenses if you have to stop employing your domestic helper
  • Up to S$3,000 in medical expenses due to injury
  • S$3,000 special grant due to death
  • S$5,000 security bond to Ministry of Manpower (not applicable to Malaysian workers)
  • Up to S$10,000 to meet the cost of having to send your domestic helper home
  • Up to S$15,000 in Hospital and surgical expenses, per year
  • Up to S$75,000 in maid’s personal liability protection
  • Up to S$80,000 in cover for accidental death or permanent disability due to an accident
  • S$20 per day in wages compensation – up to 30 days
  • S$150 expenses if you have to stop employing your domestic helper
  • Up to S$2,000 in medical expenses due to injury
  • S$2,000 special grant due to death
  • S$5,000 security bond to Ministry of Manpower (not applicable to Malaysian workers)
  • Up to S$10,000 to cover the cost of having to send your domestic helper home
  • Up to S$15,000 in Hospital and surgical expenses, per year
  • Up to S$25,000 in maid’s personal liability protection
  • Up to S$60,000 in cover for accidental death or permanent disability due to an accident
  • S$1,500 special grant due to death
  • S$5,000 security bond to Ministry of Manpower (not applicable to Malaysian workers)
  • Up to S$10,000 to meet the cost of having to send your domestic helper home
  • Up to S$15,000 in Hospital and surgical expenses per year
  • Up to S$25,000 in maid’s personal liability protection
  • Up to S$60,000 in cover for accidental death or permanent disability due to an accident

Other benefits of getting maid insurance with NTUC

With NTUC you can customise your cover with a number of optional add-ons:

  • Ministry of Manpower (MOM) security bond protector. This will limit your liability of S$5,000 under the security bond under MOM to only S$250, if you did not cause the breach of the bond.
  • Hospital and surgical expenses cover booster. Get an add-on worth up to $100,000 per year so that you are even more prepared against the unexpected.
  • Work permit renewal and insurance. NTUC will take care of your worker’s paperwork and provides a courier service which delivers the documents to your door.
  • Security bond to the Philippines embassy. This benefit can be useful if you are employing a new helper from the Philippines, or your helper is returning to the Philippines on home leave.

What won’t be covered?

Each maid insurance policy you compare will have different types of cover included. NTUC’s three policies will also differ; for example, its Basic plan won’t cover you for the unexpected death of your maid. NTUC doesn’t typically cover its customers for:

  • Replacement maid. If you’re forced to hire another worker, some policies will pay agency fees to find them for you.
  • Critical illness. Some plans will provide cover if case your maid’s diagnosed with or suffers a serious illness.
  • Theft cover to protect your family’s belongings.
  • Cover for your maid’s belongings.

There are also some general exclusions to be aware of. Claims linked to the following events will be refused:

  • Breach of work permit
  • Consequences of war, riot, terrorism or revolution
  • Illegal acts
  • Intoxication by alcohol or drugs
  • Making a claim you know to be false or exaggerated in any way
  • Non-emergency dental care (unless explicitly stated otherwise)
  • Pregnancy, childbirth or abortions
  • Pre-existing medical conditions
  • Psychiatric care (unless explicitly stated otherwise)
  • Sexually transmitted infections

How to buy maid insurance with NTUC

You can get a quote for a maid insurance plan online with NTUC. You’ll also be able to buy the security bond for the relevant embassy.

How can I save on my maid insurance policy?

How much maid insurance in Singapore costs will vary from provider to provider. Choosing a policy after comparing a range of quotes is a great way to find competitive cover that meets your needs. Always read each policy wording with care so that you know exactly what is protected under your cover.

Frequently asked questions

Go to site