Protect yourself and your migrant domestic helper from the unexpected
InsureHelper Plus is a comprehensive insurance plan that meets the Ministry of Manpower’s requirements for migrant domestic helper insurance which protect you and your migrant domestic helper against any unforeseen circumstances.
Benefits
Up to S$100,000
Personal accident coverage
Up to S$100,000 per year
Enhanced coverage for hospitalisation and surgical expenses
Pre-existing illness coverage
If continuously insured with UOI for previous 12 months or more
Coverage
For your migrant domestic helper
| Age | Basic plan | Essential plan | Preferred plan |
| 50 years old and below | S$453.80 | S$549.67 | S$812.08 |
| 51 years old and above | S$600.14 | S$714.19 | S$1,061.37 |
| Pricing inclusive of 9% GST | |||
| Benefits | Basic plan from S$453.80* |
Essential plan from S$549.67* |
Preferred plan from S$812.08* |
| Personal accident | |||
| Accidental death | S$60,000 | S$60,000 | S$100,000 |
| Permanent disability | Up to S$60,000 | Up to S$60,000 | Up to S$100,000 |
| Medical expenses | S$500 | S$1,000 | S$1,500 |
| • Traditional chinese medicine / Chiropractic treatment – Sub-limit | S$100 | S$100 | S$150 |
| • Dental treatment (due to accident) – Sub-limit | S$100 | S$200 | S$300 |
| • Dengue Fever (falls under medical expenses limit) | Included | Included | Included |
| Bereavement benefit | - | S$1,000 | S$2,000 |
| Repatriation expenses | - | S$10,000 | S$10,000 |
| Hospitalisation and/or surgical expenses – per annum | S$60,000 | S$60,000 | S$100,000 |
| Migrant domestic helper's personal belongings | - | S$300 | S$500 |
| Please refer to the policy wording for the exclusions and benefit sub-limits for each type of content. | |||
For you as employer
| Age | Basic plan | Essential plan | Preferred plan |
| 50 years old and below | S$453.80 | S$549.67 | S$812.08 |
| 51 years old and above | S$600.14 | S$714.19 | S$1,061.37 |
| Pricing inclusive of 9% GST | |||
| Benefits | Basic plan from S$453.80* |
Essential plan from S$549.67* |
Preferred plan from S$812.08* |
| Reimbursement of salary paid (up to 30 days) | - | S$30 per day | S$30 per day |
| Temporary alternate arrangement | - | S$500 | S$500 |
| Termination / Re-hiring expenses | - | S$600 | S$800 |
| Migrant domestic helper’s liability | - | S$5,000 | S$7,500 |
| Care against physical abuse by migrant domestic helper | - | S$3,000 | S$5,000 |
| Please refer to the policy wording for the exclusions and benefit sub-limits for each type of content. | |||
Optional coverage
| Letter of Guarantee Protector | Additional premium payable |
| Letter of Guarantee Protector (with excess amount of S$200) | S$54 |
More information
+Inclusive of 9% GST
Please refer to the Policy Wording for the full details of the terms, conditions and exclusions of this insurance
Apply for or renew your migrant domestic helper’s Work Permit after purchasing InsureHelper Plus
Step 1 : Purchase InsureHelper Plus
- Click on Buy Now
- Select Start Date of this insurance
- Select your migrant domestic helper’s Nationality and the Plan you would like to purchase.
- Upon successful application, UOI will transmit the data to MOM
Step 2 : Apply for or renew your migrant domestic helper's Work Permit Online
- Once the data has been transmitted to MOM, you may visit the Work Permit Online page at MOM's website to access Work Permit Online to apply for or renew the Work Permit.
- Complete and submit all the required documents in PDF format.
Step 3 : Receive new Work Permit Card
- MOM will deliver the new Work Permit Card to the registered address 4 working days after the migrant domestic helper registers and gets her documents verified.
- Return the existing Work Permit Card by mailing it to:
• Work Pass Division, Ministry of Manpower, 18 Havelock Road, Singapore 059764.
Frequently asked questions
General
- Does InsureHelper Plus meet the requirements of the Ministry of Manpower (MOM) for migrant domestic helpers?
Yes, InsureHelper Plus provides coverage in line with MOM’s requirements including the enhanced medical insurance requirements which will take effect from 1 July 2023. The requirements include:
• Personal accident coverage of up to S$60,000,
• Coverage of up to S$60,000 per year on hospital and surgical expenses such as inpatient care and day surgery; and
• Security bond of S$5,000*.
*Security bond is not required for Malaysian migrant domestic helpers under MOM's requirements.
For more information, please refer to MOM's "Work Permit for Migrant domestic helpers". - How does the Letter of Guarantee to MOM work?
Instead of a S$5,000 deposit cash with MOM, you can choose to purchase a Letter of Guarantee (which is part of the InsureHelper Plus coverage) in the event you or your migrant domestic helper breach the conditions governing of the employment, we will pay to MOM on your behalf first and then recover the amount from you thereafter. - Do you offer waiver of counter indemnity for Letter of Guarantee?
You can opt to purchase the cover for waiver of counter indemnity (Letter of Guarantee Protector) to reduce your liability at an Excess amount of $200/- only. - When should I purchase migrant domestic helper insurance?
The earliest policy start date upon your purchase of InsureHelper Plus is 5 days from the date of purchase as we need to process and transmit your maid’s insurance details to MOM. - What date should I use as the start date for the insurance plan?
When you should purchase your maid insurance depends on the type of maid you are hiring. The three types are:
New maid - The policy start date will be your maid's date of arrival in Singapore.
Renewal maid - The policy start date is one day after your maid’s current work permit expires.
Transfer maid - The policy start date is the date of transfer that the maid starts work with the new employer. - Why is the Period of Insurance shown on the Schedule 26 months when the work permit issued to my migrant domestic helper is only for 24 months?
The additional 2 months is a requirement from MOM. There is no additional premium charged for the additional 2 months coverage. - Does the Personal Accident Insurance cover my migrant domestic helper when she is on home leave?
The Personal Accident Insurance coverage will cease from the time your migrant domestic helper leaves Singapore for her home leave. The coverage will resume upon her return to Singapore provided her work permit is still valid during the period of insurance. - When can I do the renewal of my migrant domestic helper’s work permit via MOM’s website after I submit my InsureHelper Plus application?
We will transmit your data to MOM on the same business day if we receive your application before noon. Applications received after noon or on non-business days will be processed on the next business day.
Upon receiving the transmission result from us, which will be within 3 days from our data transmission to MOM, you may log in to MOM’s website with your SingPass to renew your migrant domestic helper’s work permit.
Refunds
- How much premium refund can I receive if I cancel InsureHelper Plus before the expiry date?
We will only cancel your policy upon the receipt of the discharge notice given by MOM during the Period of Insurance. The premium refund is based on the following scale, provided there is no claim made under this Policy.
There will be no refund of insurance premium if there is a claim made under the policy.
| Discharge date | Percentage of premium refund |
| Within 31 days from the effective date of the policy | 85% |
| Between 32 to 60 days from the effective date of the policy | 80% |
| Between 61 to 90 days from the effective date of the policy | 60% |
| Between 91 to 180 days from the effective date of the policy | 30% |
| More than 180 days from the effective date of the policy | No refund |
Claims
- How can I make a claim?
You may contact our Claims Division at 6222 7733 during UOI business hours. We will advise you on the claim procedure depending on the type of claims.
UOI’s business hours
Monday to Thursday: 8:45am to 5:45pm
Friday: 8.45am to 4.45pm
Closed on weekends and public holidays.
Important information
Important Notice & Disclaimers
Important notes
The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of this insurance are provided in the policy contract and will be sent to you upon acceptance of your application by United Overseas Insurance Limited (UOI). You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether this product is suitable for you. UOB does not hold itself out to be an insurer or insurance broker. The insurance products and services stated herein are provided by UOI.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your insurance is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA or SDIC websites.(www.gia.org.sg or www.sdic.org.sg).
United Overseas Bank Limited Co. Reg. No.193500026Z
United Overseas Insurance Limited Co. Reg. No. 197100152R
Policy Owners’ Protection Scheme
These policies are protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for these policies are automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the General Insurance Association (GIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
InsureHelper Plus Promotion Terms and Conditions
View Promotion Terms and Conditions
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