General Insurance

Maid Protect – Maid Insurance Plan

Care for your helper with Maid Protect insurance plan


As someone who keeps your home in order, your domestic helper plays an invaluable role.

Ensure she has the right protection with Maid Protect. So that should something unexpected happen, your helper will receive coverage for medical-related expenses and other benefits.

Maid Protect is underwritten by Chubb Insurance Singapore Limited. 

  • Convenient online application with S$0 agency fees
  • Maid Protect Plan meets the revised Ministry of Manpower (MOM) requirements effective 1 October 2017
    • Personal Accident cover of S$60,000 per year
    • Hospital & Surgical Expenses of at least S$15,000 per year
    • Insurance Guarantee Bond (security deposit) of S$5,000
     
  • Hospital & Surgical Expenses of up to 90 days Pre- and Post-Hospitalisation Expenses coverage, including Day Care Surgery
  • Accidental Medical Expenses benefit of up to S$1,000
  • Replacement Maid Expenses cash subsidy of up to S$500 for the agency fees incurred in hiring a replacement foreign domestic helper, if she is repatriated due to Accidental Injury or Sickness as certified by a Doctor
  • Option to enhance your Maid Protect Plan coverage at competitive premiums

 

Buy now

Save on agency fees by applying for maid insurance for your new / transfer maid or renew your maid insurance online.

By clicking the “Buy now” button, you will be leaving our website to access Chubb’s website. Please ensure that you understand Chubb’s product features and terms before purchasing.

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Product Details

 

BenefitBenefit Amount/Limit

1.

Personal Accident

A. Accidental Death

S$60,000

B. Accidental Permanent Disability

(Refer to the Accidental Permanent Disability Benefit Schedule for the applicable percentage of Sum Insured payable)

S$60,000 per year

 

C. Accidental Medical Expenses Reimbursement

(Sub-limit of S$100 for each Accidental Injury in respect of treatment by a Chinese Doctor or Chiropractor)

S$1,000

 

2.

Hospital and Surgical Expenses
(including Day Surgery, Pre-Hospitalisation Diagnostic Services and Post-Hospitalisation Follow-up Treatment)

S$15,000 per year

3.

Replacement Maid Expenses

S$500

4.

Wages and Levy Reimbursement

S$30 per day; up to a maximum of 30 days

5.

Repatriation Expenses

S$10,000

6.

Termination Expenses

S$300

7.

Special Grant

S$2,000

8.

Liability to Third Parties

S$5,000

9.

Maid’s Personal Belongings

S$300

10.

Insurance Guarantee Bond
(to Ministry of Manpower; not applicable if Your Maid is a Malaysian)

S$5,000


Optional CoversBenefit Amount/Limit

11.

Additional Hospital and
Surgical Expenses per year

Choice of: S$5,000, S$10,000 or S$15,000

12.

Waiver of Counter Indemnity for Insurance Guarantee Bond to MOM

S$5,000 (subject to an excess of S$250)

13.

Employer’s Liability

Choice of: S$300,000 or S$500,000

14.

Insurance Guarantee Bond
(to Philippine Overseas Labour Office, Singapore)

Choice of:
S$2,000 (for hiring through an accredited maid agency) or S$7,000 (for direct hiring or through a non-accredited maid agency)

 

26 months policyPremium

Basic Plan

S$246.10

Basic Plan with Waiver of Counter Indemnity

S$299.60


Optional Covers

Additional Hospital and Surgical Expenses per year

 

  • S$5,000

S$53.50

  • S$10,000
  • S$15,000

S$107.00
S$160.50

Employer’s Liability

 

  • S$300,000
  • S$500,000

S$26.75
S$37.45

Insurance Guarantee Bond
(as required by the Philippine Overseas Labour Office, Singapore)

 

  • S$2,000

S$48.15

  • S$7,000

S$80.25

The premium is inclusive of 7% GST.

 

From 1 - 21 January 2018, enjoy 18% off Maid Protect maid insurance plans!

By clicking the “Buy now” button, please note that you will be leaving our website to access Chubb’s website, where their terms of use and privacy policies will apply. Please ensure that you understand the product features and terms before purchasing.

Buy now

Promotion terms and conditions apply

 

To renew your existing maid insurance, simply follow the steps below when you receive the Work Permit renewal notice from Ministry of Manpower (MOM). You should receive this renewal notice from MOM approximately 60 days before the expiry of your Maid’s existing Work Permit.


Step 1: Renew your maid insurance online

  • Click on the "Buy Now" button to apply.
  • Select “Renewal” and indicate the policy effective date as 1 day after the expiry of your Maid’s existing Work Permit.
  • Upon successful application, Chubb will transmit the Insurance Guarantee Bond details to MOM within 2 working days.

Step 2: Renew your Maid’s Work Permit online

  • Your Maid’s passport should be valid for at least 7 months from the expiry date of the existing Work Permit.
  • Once the Insurance Guarantee Bond’s details have been transmitted to MOM, you may log in at MOM’s website to access Work Permit Online to renew the Work Permit.
  • Uploaded the following documents in PDF format when submitting the Work Permit application online:
    • Personal particulars page of the Maid’s current passport/travel document, including amendment page(s) (if any)
    • Disembarkation/Embarkation card
    • Completed Work Permit renewal application form
    • Completed and signed Security Bond form

Step 3: Wait for the new Work Permit card

  • The new Work Permit (WP) card will be delivered to the address stated in the Work Permit application within 7 working days after the successful verification of the documents submitted.
  • Return the existing Work Permit card by mailing it to: Work Pass Division, Ministry of Manpower, 18 Havelock Road, Singapore 059764.

 

  1. What does Maid Protect cover?

    It provides comprehensive coverage for your Maid, including Accidental Death or Accidental Permanent Disability, Accidental Medical Expenses Reimbursement, Hospital and Surgical Expenses, Replacement Maid Expenses, Wages and Levy Reimbursement, Repatriation Expenses and other benefits. It also includes the mandatory insurance guarantee bond to Ministry of Manpower.

  2. Does Maid Protect meet the Singapore Ministry of Manpower’s (MOM) requirements for foreign domestic helper?

    Yes, Maid Protect provides coverage in line with MOM’s revised requirements effective 1 October 2017. These are: Personal Accident cover of S$60,000 per year, Hospital and Surgical Expenses of at least S$15,000 per year and Insurance Guarantee Bond of S$5,000.

  3. If my Maid is injured and requires outpatient treatment, will the treatment expenses be covered?

    Yes, Maid Protect provides coverage of up to S$1,000 for outpatient medical treatments due to Accidental Injury. This also includes treatments by a registered Chinese Doctor or Chiropractor, subject to a maximum of S$100 per Accidental Injury.

  4. How does the Replacement Maid Expenses benefit work?

    You may reimburse up to S$500 for the agency fees incurred in hiring a replacement Maid in event of termination of the Maid’s services due to Accidental Death, Injury from Accident or Sickness as certified by a Doctor, provided the replacement Maid is employed within 90 days from the date of termination of the previous Maid.

  5. How does the Wages & Levy Reimbursement benefit work?

    The Policy will pay a fixed sum per day up to 30 days if your Maid is hospitalised due to an Accident or Sickness except pre-existing condition.

  6. How does the Insurance Guarantee Bond to the Singapore Ministry of Manpower’s (MOM) work?

    Chubb will transmit the Insurance Guarantee Bond details within 2 working days of your successful application and issue a Letter of Guarantee for the sum of S$5,000 as a security bond on your behalf to the MOM. As such, you do not need to pay the S$5,000 cash up front to the MOM when hiring a Maid.

    In event that a demand is made by the MOM, Chubb will first settle the payment and subsequently recover it from you under the Counter Indemnity arrangement of the insurance.

    If you have chosen to enhance your plan with the optional cover of Waiver of Counter Indemnity, Chubb will first settle the payment and subsequently recover it from you up to the excess amount of S$250.

  7. How does the Insurance Guarantee Bond to the Philippine Overseas Labour Office in Singapore (POLO) work?

    On your request, Chubb can also issue a Letter of Guarantee to the POLO. The Letter of Guarantee will be sent to you together with your policy documents and you are required to furnish it to the POLO, together with all other necessary documents as required.

    In event that a demand is made by the POLO, Chubb will first settle the payment and subsequently recover it from you under the Counter Indemnity arrangement of the insurance.

  8. How does the Waiver of Counter Indemnity work?

    This applies only to the security bond of S$5,000 paid to the Singapore Ministry of Manpower’s (MOM) on your behalf. Chubb will waive their rights to recover the security bond from you, subject to the first S$250 which you have to bear.

  9. What can I do if I want to increase the insurance coverage for my Maid?

    Maid Protect allows you to purchase additional optional covers. Please refer to the benefits table for a list of additional optional covers.

  10. What if I wish to cancel the Policy?

    Either you or Chubb can cancel the Policy by giving the other party 14 days’ notice in writing. If you cancel the Policy, you will receive a short-period refund of the premium paid for the unexpired period of insurance, subject to a minimum charge of S$50. There will be no refund of premium if the Policy is cancelled after 180 days from the commencement of insurance or if there has been a claim.

  11. How do I make a claim?

    Please submit your claims online at www.chubbclaims-dbs.com.sg. Alternatively, you may contact Chubb’s Customer Service Hotline and they will guide you in filing a claim.

  12. What if I have more questions about this insurance?

    You may contact Chubb’s Customer Service Hotline at +65 6398 8797, Mondays to Fridays, 9.00am – 5.00pm, excluding public holidays or via an email at dbscs.sg@chubb.com

Contact Us

Need help with your insurance?

  • Call Chubb’s Customer Service Hotline at 6398 8797 (Mondays to Fridays, 9.00am – 5.00pm)
  • Email Chubb’s Customer Service at dbscs.sg@chubb.com

Please refer to the Policy Wording for the full details of the terms, conditions and exclusions of this insurance.

Click here for full Terms and Conditions Governing Purchase of Insurance Products from Chubb Insurance via the DBS website.

Disclaimers

Maid Protect is underwritten by Chubb Insurance Singapore Limited (“Chubb”) and distributed by DBS Bank Ltd (“DBS”). It is not an obligation of, deposit in or guaranteed by DBS. This is not a contract of insurance. Full details of the terms, conditions and exclusions of the insurance are provided in the policy wordings and will be sent to you upon acceptance of your application by Chubb.

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). For more information on the scheme, please visit the General Insurance Association or SDIC websites.

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