5 scenarios you probably do not know you can claim for maid insurance

Amidst the COVID-19 pandemic, there is still a strong demand for foreign domestic workers despite the additional costs and increased risk of imported cases. As maid insurance is compulsory when you hire a maid, it might be tempting to simply purchase the cheapest policy available. Instead, it would be wise to look at what each policy covers.

If you already have a maid or are planning to engage one, having knowledge about maid insurance could be very beneficial. For example, some policies might not cover repatriation expenses which could result in a hefty amount being taken out of the employer’s pocket. Read on the find out about several scenarios in which maid insurance comes in handy.

Scenario 1: Accidents and Hospitalisation due to illness.

It’s quite a common sight to see your maid perched on a windowsill in her attempt to keep your windows spotless. However, are you prepared for the worst-case scenario? Thankfully, ePROTECT maid includes accidental death payout should the unthinkable ever happen.

It also covers hospitalisation and surgical expenses, as well as recuperation benefit for your maid. As such, it would be of some respite when you can make a claim for the expensive hospitalisation bills if your maid gets warded in the hospital.

#TiqOurWord Did you also know that you would be able to claim wage compensation for the days that your maid is unable to work? Find out more here.

Scenario 2: COVID-19 and your maid.

As we live with the pandemic, there is an outlying risk that your maid could contract Covid-19. It is mandatory by law that employers get medical insurance with a coverage of at least S$15,000 for their maid’s COVID-19 related medical expenses should the maid develop COVID-19 symptoms or test positive within 14 days of arrival in Singapore.

Given that living with COVID-19 in our midst is the new normal, ePROTECT maid provides an exclusive add-on COVID-19 Cover of up to S$15,000 for your maid’s hospitalisation and surgical expenses due to COVID-19 treatment.

Scenario 3: Domestic abuse or negligence by the maid.

You would probably have heard about an incident in March which involved the sentencing of a maid who, due to her negligence, allowed a child under her care to swallow a toothbrush. Earlier this year, there was also an incident of elderly abuse by a maid which made the news.

Understanding that as strict as Singapore laws go, domestic abuse or negligence by your maid cannot be ruled out completely. As such, ePROTECT maid aims to offer protection regarding such scenarios though the provision of up to S$5,000 for medical expenses arising from these causes.

Scenario 4: Damage to your home, caused by the maid.

It is understandable that unforeseen events such as fires or theft happen, due to factors like negligence or greed since our maids are also human after all. Although we try our best to prevent such incidences from happening in the first place, we should also attempt to hedge against these scenarios before it’s too late.

Whether a fire was started in your home because your maid forgot to turn off the stove or should you be distrustful of your maid and of leaving your valuables at home, you will find comfort knowing that there is an add-on home cover to keep your home and valuables safe.

Scenario 5: Replacing your maid.

Taking reference from the other points listed above, should you have to make the tough decision of replacing your maid due to her inability to continue working, you would be relieved to know that we have you covered as well.

Depending on the plan you select, ePROTECT maid will pay the agency fees needed to find you a new domestic helper. On top of that, there will be a separate repatriation payout to help you cover the costs of sending your maid home.


In conclusion, hiring a maid may not be cheap. Thankfully, ePROTECT maid offers all-rounded coverage for the scenarios mentioned above (and more) at an affordable cost.

Also, filing a claim with Etiqa is designed to be an easy and seamless process which can be done through the tiqConnect app or by contacting our Customer Care Officer by phone or email. More information about Tiq’s ePROTECT maid and how to purchase can be found here.


Information is accurate as at 27/06/2021. This policy is underwritten by Etiqa Insurance Pte. Ltd. (Company Reg. No. 201331905K). Protected up to specified limits by SDIC.

Tiq by Etiqa Insurance Pte. Ltd.

A digital insurance channel that embraces changes to provide simple and convenient protection, Tiq’s mission is to make insurance transparent and accessible, inspiring you today to be prepared for life’s surprises and inevitabilities, while empowering you to “Live Unlimited” and take control of your tomorrow.

With a shared vision to change the paradigm of insurance and reshape customer experience, Etiqa created the strong foundation for Tiq. Because life never stops changing, Etiqa never stops progressing. A licensed life and general insurance company registered in the Republic of Singapore and regulated by the Monetary Authority of Singapore, Etiqa is governed by the Insurance Act and has been providing insurance solutions since 1961. It is 69% owned by Maybank, Southeast Asia’s fourth largest banking group, with more than 22 million customers in 20 countries; and 31% owned by Ageas, an international insurance group with 33 million customers across 16 countries.

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