1. What is the Enhanced Medical Insurance for Foreign Employees about?

From 1 July 2023, the Ministry of Manpower (MOM) has implemented enhancements to the mandatory Medical Insurance (MI) for all new and existing Work Permit (including Migrant Domestic Workers) and S Pass holders.

The MI enhancements aim to better protect employees should large medical bills be incurred by their foreign employees.

In short, the current S$15,000 coverage limit will be raised to a higher annual claim limit of S$60,000.

This increased annual claim limit of S$60,000 with co-payment by employers (for claim amounts above the first S$15,000) will be applied to policies on or after 1 July 2023.

2. What if I had purchased ePROTECT maid insurance before 1 July 2023 and my effective policy start date is on or after 1 July 2023?

As the effective start date of your maid insurance is on or after 1 July 2023, you will need to comply with Ministry of Manpower’s (MOM) Enhanced Medical Insurance for Foreign Employees requirements and upgrade your plan to meet the medical insurance limit of S$60,000.

You can contact our friendly Customer Care consultants for them to facilitate the change:

• WhatsApp us at our hotline, +65 6887 8777, Monday to Friday, 8.45am to 5.30pm (excluding Public Holidays), or
• Email us via customer.service@etiqa.com.sg

3. What if I do not wish to upgrade my ePROTECT maid insurance to the medical insurance limit of S$60,000?

As this is a requirement implemented by the Ministry of Manpower (MOM) to better protect employers should large medical bills be incurred by their foreign employees, you will need to upgrade your maid insurance policy accordingly.
Otherwise, you may not be able to claim under your Policy.

For more information, please visit https://www.mom.gov.sg/newsroom/press-releases/2023/0331-implementation-of-enhanced-medical-insurance-for-foreign-employees-to-better-support-employers or you can view the Pre-contract disclosure for more information.

1. Do I get a discount when buying Tiq Maid?

You can check out our ongoing promotions here.

1. What does Tiq Maid insurance cover?

Tiq Maid insurance is a comprehensive package of benefits that includes Accidental Death or Permanent Disablement, Hospital & Surgical Expenses, Replacement Maid Expenses, Wages & Levy Reimbursement, Repatriation Expenses, Insurance Guarantee Bond and other benefits.

Our maid insurance includes covers required by MOM at affordable prices. For more details about our maid insurance, please click here.

2. How does the Hospitalisation & Surgical Expenses work?

You will be reimbursed for the Hospitalisation and Surgical Expenses (including Day Surgery) incurred in Singapore due to Accident, Sickness or diseases sustained by your maid.

Under the new MOM’s requirements, you will need to co-pay 25% of the claim amount above the first S$15,000.

You may purchase our optional add-on cover to waive off this co-payment.

3. How does the Termination / Re-hiring Expenses work?

You will be reimbursed for the agency fees of hiring a replacement maid during the period of your maid’s hospitalisation due to death or permanent disability. The replacement maid must be hired within 30 days of the death or repatriation of your current maid.

4. Will my maid be covered when she returns to her home country for holiday? 

The maid insurance cover ceases from the time she leaves Singapore and resumes upon her return provided her work permit is not cancelled.

5. Why do I need 14/26 months of maid insurance coverage and bond when my maid’s work permit is only for 12/24 months?

This is a requirement by the Ministry of Manpower (MOM). For more information, please visit the MOM’s website.

6. Does the maid insurance coverage start immediately?

The commencement date will be a minimum of 5 working days from the date of application, but not more than 14 days. Please note that this process needs to be done before your maid’s arrival in Singapore. Otherwise, the Immigration & Checkpoints Authority may deny your maid’s entry and she will be sent back to her home country.

7. How does Alternative Maid Services work?

This benefit relieves an employer by reimbursing a fixed daily sum of up to 30 days for the cost of hiring alternative domestic help during the period of your maid’s hospitalisation due to a covered injury or illness.

8. How does Wages & Levy Reimbursement work?

You will be reimbursed for the pro rata wages and Foreign Worker Levy if your maid is unfit to work due to hospitalisation as a result of an injury or illness for up to 30 days.

9. What is the difference between Medical Expenses benefit and Hospitalisation & Surgical Expenses benefit?

Medical Expenses (under Personal Accident protection) cover the cost of treatments (including out-patient treatment) due to accidents only.

Hospitalisation & Surgical Expenses cover in-patient costs, including surgery, when your maid is hospitalised due to illness or accident for up to 90 days.

10. Do I need to purchase a special performance bond to employ maids from Indonesia?

The Indonesian Embassy in Singapore requires a S$6,000 performance bond as a condition to employ foreign domestic workers (FDWs) from Indonesia from February 2018.

However, the Ministry of Manpower (MOM) does not require you to purchase a special performance bond as Singapore has a comprehensive regulatory framework to protect all foreign domestic workers (FDWs). You should consult your maid employment agency if in doubt. Alternatively, you can or refer to MOM’s website for more information.

11. I want to limit my liability on the S$5,000 Security Bond. What additional coverage can I get?

You can take up the optional add-on, Security Bond Protector, to get a reimbursement of indemnity paid to insurer, which will limit your liability on the S$5,000 Security Bond to S$250, provided that the breach of the Security Bond is not due to your own negligence or fault.

12. How does the Letter of Guarantee work?

We will issue a Letter of Guarantee for the sum of $5,000 as a security bond on your behalf to the Ministry of Manpower (MOM).

If a demand is made by the MOM as the case may be, we will first meet the payment and recover it from you under the Counter Indemnity of the insurance.

You can purchase the optional cover for a waiver of the Counter Indemnity in respect of the Letter of Guarantee to the MOM, paying only $250 for the Excess for your account. This frees you from the need to pay $5,000 cash up front to the MOM when you are applying for a maid in Singapore.

13. I want to waive off the 25% co-payment needed for Hospitalisation & Surgical Expenses incurred. Is there an option for this?

You can take up the optional add-on, Waiver of co-insurance, to waive the 25% co-insurance for claims amount above the first S$15,000 incurred under the Hospitalisation and Surgical Expenses.

1. How do I locate my new maid’s FIN number?

For new maid, FIN No. will be issued by MOM.  You can check the information by logging into WP Online under “Apply” and “Check Status – Work Permit Application”.

2. What is the entry age of the maid insurance policy?

The applicant must be at least 21 years of age, and the maid must be at least 23 years of age on the start date of the policy.

3. Why do I need maid insurance?

It is a requirement by the Ministry of Manpower (MOM) that the employers of foreign domestic workers (FDWs) purchase maid insurance for their FDWs.

4. Where can I get a quote and buy Tiq Maid insurance?

You can purchase Tiq Maid online or through our Tiq by Etiqa app, available on Android and iOS.

You can also visit our Customer Care office at One Raffles Quay, #22-01 North Tower, Singapore 048583 where our friendly customer care personnel will assists you, or WhatsApp our Customer Care at +65 6887 8777.

5. When should I buy Tiq Maid and when is the insurance policy start date?

As we will need to process and furnish the maid insurance details to the Ministry of Manpower (MOM), the earliest policy start date is 5 days from the date of purchase and no more than 14 days from application date.

• For new maids, the policy start date should be the date of your maid’s arrival in Singapore or earlier.
• For renewal maids, the policy start date should be 1 day after your maid’s current work permit expires.
• For transferred maids, the policy start date should be on or before the date you apply for a transfer with MOM.

6. What is the Ministry of Manpower (MOM)’s insurance requirement for hiring a foreign domestic worker (FDW)?

The MOM’s requirements include:

• Security Bond of S$5,000.
• Personal Accident cover of S$60,000 per year
• Hospital & Surgical Expenses of at least S$60,000 per year (for policies with start date effective on or after 1 July 2023)

Click here for more information on Work Permit eligibility and requirements for FDW.

1. Can the maid insurance policy be cancelled? If so, will I get a refund?

Yes, if you cancel your maid insurance policy, you will receive a refund of premium based on the unexpired period of insurance. However, there will be no refund if the maid insurance policy is cancelled after 180 days from the commencement date of the policy, or if a claim has been made.

For more information, please refer to our Policy Wording under General Conditions, Cancellation.

1. How do I make a claim?

If you have a TiqConnect account with Etiqa, please log onto TiqConnect to submit your claims online.

Otherwise, you may register for an account on our corporate website. Access can be created immediately. You may also contact our Customer Care hotline at +65 6887 8777 or email them at customer.service@etiqa.com.sg for further assistance.

1. Is there a free-look period?

No, there is no free-look period for Tiq Maid insurance.