UOI Domestic Helper Insurance

1. Accidental Death
   A lump-sum benefit will be payable to your migrant domestic helper’s legal personal representative in the event of an Accident resulting in Death.
   However, this benefit will cease from the time Your migrant domestic helper leaves Singapore for home leave and the cover will resume upon her return to Singapore provided her work permit is still valid.
2. Permanent Disablement
   A lump-sum benefit (subject to the Schedule of Benefits) will be payable to your migrant domestic helper or her legal personal representative in the event of an Accident resulting in Permanent Disablement.
3. Medical Expenses
   Reimburse you for the actual medical expenses necessarily incurred by your migrant domestic helper for out-patient treatment (including day surgery) arising from an Accident. This benefit also extends to cover treatment by Traditional Chinese Medicine and/or Chiropractic Treatment and dental treatment arising from an accident, subject to the sub-limit stated in the Table of Benefits above. 
   The limit stated is the maximum limit for any one accident and in the aggregate one period of insurance.

A lump-sum benefit will be payable to your migrant domestic helper’s legal personal representative upon her death during the Period of Insurance.

Reimburse you for the reasonable expenses incurred for repatriating the body or ashes of the deceased migrant domestic helper from Singapore to her home country in the event of death due to an Accident, Sickness or Illness.

Reimburse you for the medically necessary treatment and services charges incurred for inpatient care, day surgery by your migrant domestic helper when admitted as a registered in-patient to a Public Hospital. 

This insurance also extends to cover 90 days Pre-Hospitalization Diagnostic Services and 90 days post-hospitalization surgery treatment by your migrant domestic helper

The admissible claim payout is subject to Pro-ration Factor and 25% Co-payment scheme by you.

Reimburse your migrant domestic helper for loss or damage to her personal belongings caused by fire, water following bursting or overflowing of water tank(s), apparatus or pipe(s), flood or theft accompanied by actual forcible and violent entry into or exit from your residence in Singapore, provided your residence is not left unoccupied for more than 60 consecutive days.

Reimburse you for the salary paid to your migrant domestic helper for the period whilst she is hospitalized as a result of an Accident, Sickness or Illness

Reimburse you for the fees incurred for making temporary alternate arrangement such as putting the elderly in day care centre or hospice or your child(ren) in childcare centre if your migrant domestic helper is hospitalized for more than 3 consecutive days due to an Accident, Sickness or Illness.

Reimburse you for the reasonable expenses incurred for terminating the service of your migrant domestic helper upon confirmation from a registered Physician or Surgeon that she is medically unfit to continue to work. 

We will also reimburse you for the reasonable expenses incurred for hiring a new migrant domestic helper to replace the deceased or medically unfit migrant domestic helper and such replacement must be made within 30 days from the date of termination of the existing migrant domestic helper.

Covers your legal liability in respect of any bodily injury to or property damage of third party as a result of your migrant domestic helper’s accidental negligence in the course of her employment with you in Singapore.

Reimburse you for the reasonable medical expenses incurred by you or your family member(s) who is/are residing with you for medical treatment due to physical abuse by your migrant domestic helper.

Yes, UOI Domestic Helper Insurance provides insurance benefits which are 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 insurance of up to S$60,000,
• Coverage of up to S$60,000 per year on hospital and surgical expenses for inpatient treatment and day surgery; and
• Security bond of S$5,000*

*Security bond is not required for Malaysian migrant domestic workers under MOM’s requirements.
For more information, please refer to MOM’s "Work Permit for Migrant Domestic Workers".

This forms part of the UOI Domestic Helper Insurance package insurance.

Instead of depositing S$5,000 cash with MOM, you can choose to purchase a Letter of Guarantee from UOI.  In the event your migrant domestic worker breaches the conditions stated in the Security Bond, we will pay to MOM on your behalf first and recover the amount from you thereafter.

This benefit forms part of the Benefit for Gold Plan only. 

As we need to process your application and transmit the insurance details to MOM, do purchase the insurance at least 5 days from the effective date. 

The additional 2 months is a requirement from MOM. There is no additional premium charged for the additional 2 months coverage.

The Personal Accident Insurance coverage will cease from the time your migrant domestic worker 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.

The Co-payment Scheme is only applicable to Silver Plan.

We will reimburse you in full for the first $15,000 of the admissible claim.  For admissible claim exceeding the first $15,000, you would bear a co-payment of 25% of the balance admissible claim in excess of $15,000 and 75% of the balance admissible claim will be paid by us, up to the limit stated in Schedule for per annual per Accident or Sickness or Illness.

We will reimburse the Hospital & Surgery Expenses incurred for treatment of your domestic helper’s pre-existing medical condition provided she has been continuously insured with us for more than 12 months.

We will only cancel your policy upon receipt of the discharge advice issued by MOM during the Period of Insurance. The premium refund is based on the following scale.  

There will be no refund of insurance premium if there is a claim made under the policy.

You may contact our Claims Division at 6222 7733 during business hours.

We will advise you on the claim procedure depending on the type of claim.