MaidPlus offers the option to reduce the 25% co-payment to 10% or 0%. This option can be added into any of the three plans.

The reduction of co-payment option will help to reduce the cash amount which you have to fork out for hospital bills which is above the first S$15,000 up to the sum insured.

If you have selected to reduce your co-payment to 0%, using FAQ 3’s example, you would not have to bear any part of the bill. In the event the hospital bill is larger than the sum insured for Section 2 – Hospital & Surgical Expenses, the employer would have to pay the 25% co-payment share and any remaining uninsured portion of the hospital bill.

You can select the “Reduction of co-payment” option only at the point of purchase and this option cannot be amended once the period of insurance has started.

Visit https://www.msig.com.sg/claims/personal-insurance/maid for information on the claim procedure

Alternatively, you may email or contact MSIG Customer Service at:

Email: service@sg.msig-asia.com

Customer Service hotline: +65 6827 7605

Operating Hours

8.45 am to 5.30pm

Mondays to Fridays except for Public Holidays

MaidPlus covers for inpatient treatment for COVID-19.

MSIG will pay for the first S$15,000 of the hospital bill. For claim amount above S$15,000, the co-payment is 25% by the employer and 75% by the insurer up to the covered sum insured under Section 2. Please see the example below on how these are applied.

In the event the hospital bill is larger than the sum insured for Section 2 – Hospital & Surgical Expenses, the employer would have to pay the 25% co-payment share and any remaining uninsured portion of the hospital bill.

For more examples, please see the FAQs on MSIG’s website.

Hospital and surgical expenses for pre-existing condition is covered after your helper’s first 12 months of employment with you. This is subject to the following limits under Section 2 – Hospital & Surgical Expenses, applicable to all plans:

a) Sum insured up to S$60,000 and

b) 25% co-payment borne by the employer for the portion of eligible claim amount which is above S$15,000.

The above is subject to policy terms and condition such as permanent exclusion for birth defects, congenital abnormalities, hereditary conditions and their associated conditions.

All three of MSIG’s MaidPlus plans issued with period of insurance starting from 1 July 2023 fulfil MOM’s latest requirements. MSIG offers higher tiered Classic and Premier plans for those who prefer more coverage and better protection

The first S$15,000 cover is on a per policy year basis. It is re-set annually based on the period of insurance start date.

Take for example, your helper policy’s period of insurance starts on 1 January.

In February, your helper was admitted to the hospital for injury and incurred a bill of S$15,000. MSIG pays the entire bill as it falls within the first S$15,000.

In November of the same year, your helper was once again admitted to hospital for another injury and incurred a bill of S$10,000. The co-payment would apply immediately for the second bill where MSIG would pay 75% (S$7,500) and employer would pay 25% (S$2,500).

On 1st January of the following year, the first S$15,000 cover will re-set and MSIG will pay the first S$15,000 for any new hospital bills incurred in the new policy year.

MSIG will issue a Letter of Guarantee for a S$5,000 security bond on your behalf to MOM.

If MOM makes a demand, we will first make the payment and recover the payment from you under the policy conditions of the section on the Domestic Helper Insurance Guarantee Bond.

You can purchase the optional cover for Waiver of Counter Indemnity to reduce your liability to re-pay us for the bond payment to S$250.

The start date is dependent on the type of Domestic Helper you are hiring: