AIG Domestic Helper Insurance provides comprehensive coverage against the unexpected. With worldwide cover for medical bills, cover for part-time worker costs during recovery and more, get the confidence you need in safeguarding your helper. After all, being here for you means being here for everyone you care for.
Read more to find out about AIG Domestic Helper Insurance*.
*Enhanced to meet the MOM's requirements
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Key Benefits
Worldwide personal accident cover |
Your domestic helper will be covered for up to S$100,000 in the event of an accident anywhere in the world. |
Hospitalisation and surgery cover |
Your domestic helper will be covered for at least S$60,000 in the event of hospitalisation due to an accident or illness. |
Post-hospitalisation expenses |
We will cover up to S$100 in expenses incurred by your domestic helper within 60 days after hospitalisation due to injury or illness. |
Accident medical reimbursement |
We will reimburse up to S$3,000 in medical expenses incurred by your domestic helper at a general practitioner clinic or a polyclinic for outpatient treatment obtained due to injury. |
Employer's contents |
We will cover up to S$30,000 for loss or damage to your contents within the confines of your residence. |
(Optional) Dread diseases cover |
Add on optional coverage for major cancers, coronary artery bypass surgery, heart attack, kidney failure, stroke, and major organ or bone marrow transplants. |
What is covered?
Benefits |
Classic |
Superior |
Elite |
Premier |
Annual Limits (S$) |
||||
| Security bond | 5,000 | 5,000 | 5,000 | 5,000 |
| Worldwide personal accident | 60,000 | 60,000 | 100,000 | 100,000 |
| Hospitalisation & surgical expenses | N.A. | 60,000 | N.A. | 100,000 |
| Hospitalization and Surgical Expenses with 20% Co-insurance | 60,000 | N.A. | 100,000 | N.A. |
| Employer's contents | 15,000 | 15,000 | 30,000 | 30,000 |
| Domestic helper's belongings | 2,250 | 2,250 | 4,500 | 4,500 |
| Accidental medical reimbursement | 1,000 | 1,000 | 2,000 | 2,000 |
| Post hospital confinement expenses | 100 | 100 | 100 | 100 |
| Part-time helper expenses | 300 | 300 | 500 | 500 |
| Salary and government levy | 30/ day | 30/ day | 30/ day | 30/ day |
| Replacement hire expenses | 200 | 200 | 200 | 200 |
| Termination expenses | 250 | 250 | 500 | 500 |
| Repatriation expenses | 10,000 | 10,000 | 10,000 | 10,000 |
| Domestic helper liability | 100,000 | 100,000 | 100,000 | 100,000 |
Extend your coverage
| Benefits | Annual Limits |
Waiver of security bond |
S$5,000 |
Dread disease cover |
S$2,000 |
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy 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 AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.AIG.sg or www.gia.org.sg or www.sdic.org.sg).
Learn more about Domestic Helper Insurance
AIG Personal Accident Plan for Domestic Helpers
Learn more about this plan
Frequently Asked Questions
All our plans issued with period of insurance starting from 1 July 2023 fulfil the MOM’s latest requirements. We offer higher tiered Elite and Premier plans for those who prefer more coverage and better protection.
Please purchase the insurance at least three working days before your migrant domestic helper arrives in Singapore. This will allow for sufficient time for the processing and transmission of the security bond details to the MOM.
Yes, you can add the benefit within 30 days from the effective date of the policy by getting in touch with us and paying an additional premium.
The policy start date depends on the domestic helper’s work permit status as outlined below:
| Work Permit Status | Period of Insurance (Start Date) |
| New | On or before the domestic helper’s arrival date in Singapore |
| Transfer | The day you apply for issuance of the domestic helper’s new work permit (typically the agreed upon transfer date) |
| Renewal | One day after the current work permit’s expiry date |