Coverage for your helper with Domestic Helper Insurance

Domestic Helper Protect has 2 plan types for you to choose from: Classic and Premier. To increase your insurance coverage, you may wish to consider choosing the Premier plan which offers higher coverage limits.

• Classic plans offer the basic coverage required by MOM.
• Premier Plan offers enhanced coverage. Co-payment for hospitalisation expenses is reduced from 25% to 10%, up to the policy limit of S$60,000. It also provides additional coverage for Ambulance Fees, Alternative helper service compensation, compassionate travel expenses, and increased limit for social engineering of S$1,000.

Other additional optional covers are available for your consideration. You may wish to increase the liability coverage for your domestic helper, up to S$500,000.

All benefits and coverages are subject to the terms and conditions of the Policy. Please refer to the Policy Wording for the full insuring clauses, definitions, schedule, extensions, terms, conditions, exclusions, and limits of liability of the Policy.

You may cancel the policy by giving Chubb 14 days’ notice in writing, provided that a full discharge is given to us by the relevant authorities in respect of the Insurance Guarantee Bond.

If you cancel the Policy within the Free Look Period of 30 days, Chubb will refund you 100% of premium paid.

If you need to cancel your policy within 90 days of policy commencement date due to termination of employment of your domestic helper, Chubb will refund you 100% of the premium paid, subject to the terms and conditions stated in the Policy Wording.

If you cancel the Policy for any other reasons or after the 90-day period, you will receive a short-period refund of the premiums paid for the unexpired period of insurance, subject to a minimum charge of S$50 which will be retained by Chubb. There will be no refund of premiums if the policy is cancelled after more than 180 days from the commencement date of insurance or if there has been a claim.

Please contact Chubb via the hotline or email and submit the following documents as soon as possible.

Supporting documents

• Certificate of Insurance
• Copy of the work permit
• Completed Claim Form

Documents from Hospital

• Care Cost Form
• Pre-admission financial counselling form
• Doctor's memo/referral letter

Upon the validation of the necessary documents, Chubb will issue a Letter of Guarantee to the hospital, up to the benefit limit specified in the policy schedule. The hospital will bill Chubb directly for the amounts covered by the policy without you paying for the full bill and seeking reimbursement later.

For any co-payments or charges that exceed the policy limits or for charges not covered under the policy, you will need to pay the hospital directly.