HLAS Maid Insurance Promotion

MAID PROTECT360 PRO IS DESIGNED WITH YOU AND YOUR MAID IN MIND

DHY Comprehensive
DHY Co-payment

Waiver of 25%
Co-Payment on Hospital & Surgical Expenses

A peace of mind when your maid gets treated at our list of medical clinics. Full hospital bills are taken care of by us up to the benefit limits.

DHY Maid Service

Alternative
Maid Services

Assurance that temporary assistance for a replacement maid will be covered when your domestic helper needs rest due to illness or injury.

DHY You and me

Critical Illness &
Free Medical Teleconsultation

The only insurance package with high-value options. Get complimentary medical teleconsultation for both you and your maid.

Buy Conveniently

Buy Conveniently
Online Anytime

Buy or Renew Maid Insurance for your helper online in just minutes for a hassle-free and convenient experience.

Various Plans

Various Plans &
Coverage Options

Choose from the various Maid Insurance Plans and pick the coverage best suited for you and your domestic helper.

Switching Your Domestic Helper’s Insurance Plan?

Free $30 NETS Prepaid Card*

Switch from your existing domestic helper insurance in Singapore to Enhanced Maid Protect360 and enjoy our special maid insurance promotion and get free $30 NETS Prepaid Card. It just takes a few clicks and the maid insurance policy will be sent to you instantly.

*For New Maid Policy Only. Terms Apply

Please refer to below for Promotion Terms and Conditions.

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Free Medical Teleconsultation

Up to 6 Free Medical Teleconsultations*

We are the first insurer to be offering 6 free medical consultations for you and your helper so you can consult a doctor from anywhere, anytime and get medication delivered right to your doorstep. Protect your Domestic Helper from COVID-19, Dengue and other Infectious Disease with our Enhanced Maid Protect360. *Terms Apply

Please refer to below for Promotion Terms and Conditions.

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Why HL Assurance Maid Insurance?

The Best Maid Insurance With Comprehensive Coverage That Goes Above And Beyond

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Personal Accident Benefits

Receive pay out up to $100,000 as financial protection in the event of an unforeseen accident, resulting in your domestic helper’s death or a permanent disability.

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Highest Hospital Cash

Get the highest hospital cash payout of up to $1,500 when your helper is hospitalised due to illness or injury.

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Waiver of Co-payment

We will waive the 25% co-payment for hospital & surgical expenses when your domestic helper is covered under our Enhanced Plan & above, up to the benefit limit.

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Alternative Maid Services

Assurance to provide temporary assistance for your daily needs during your maid’s hospitalisation.

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Hospitalisation and Surgical Expenses

Up to $80,000 protection if your maid is hospitalised in Singapore. Option to add on $10,000 with Enhanced Medical Benefit.

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Guarantee bond to Ministry of Manpower (MOM)

We replace your liability to pay $5,000 for the Maid Insurance Security Bond. We serve as your Guarantor and will provide a Letter of Guarantee to MOM.

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BOOST Your Coverage With Comprehensive And High Value Add-Ons

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Enhanced Medical Benefits + Free Medical Teleconsultation

Get Critical Illness coverage, extended Hospitalisation and Surgical benefits, Mobility Aid expenses for your domestic helper. Plus, receive Free Medical Tele-consultation for both you and your helper when you upgrade with our Enhanced Medical Benefits.

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Six-Monthly Medical Examination

Save with us on each mandatory medical examination when your domestic helper does the tests at our panel clinics.

Waiver of Counter Indemnity

Waiver of Counter Indemnity

This option will greatly limit your liability on the security bond deposit to just $250 (from $5,000) should the Ministry of Manpower (MOM) make a demand for the security bond payment on your maid insurance.

Comprehensive Maid Insurance Plans for Your Helper

Pick from the various plans and coverage that suit your needs. Buy domestic helper insurance online today.

Basic

S$502.30

Accidental Death60,000
Permanent Disablement60,000
Accidental Medical Reimbursement1,000
Hospital & Surgical Expenses60,000
Replacement Maid Expenses200
Maid Personal BelongingsN.A
Wages & Levy ReimbursementN.A

Enhanced

S$551.80

Accidental Death70,000
Permanent Disablement70,000
Accidental Medical Reimbursement2,000
Hospital & Surgical Expenses60,000
Replacement Maid Expenses300
Maid Personal Belongings1,000
Wages & Levy Reimbursement40
Most Popular

Premier

S$578.20

Accidental Death80,000
Permanent Disablement80,000
Accidental Medical Reimbursement3,000
Hospital & Surgical Expenses80,000
Replacement Maid Expenses500
Maid Personal Belongings2,000
Wages & Levy Reimbursement50
Best Coverage

Exclusive

S$685.60

Accidental Death100,000
Permanent Disablement100,000
Accidental Medical Reimbursement5,000
Hospital & Surgical Expenses80,000
Replacement Maid Expenses600
Maid Personal Belongings3,000
Wages & Levy Reimbursement60

**Based on 26 months coverage with age banding 50 years old and below. GST inclusive.

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Benefits of Critical Illness Protect360

Critical Illness Protect360 is an affordable plan which provides you with financial protection against illness to ensure that your family can focus on what is more important – your treatment and recovery.

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High Critical Illness
Coverage

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High Personal
Accident Coverage

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Medical Second
Opinion

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Annual Health
Screening

Other Promotions

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HL Bank Debit Card

HL Bank Debit Card Travel Insurance Promotion

Get up to $30 voucher when you sign up for COVIDSAFE Travel Protect360 and pay with HL Bank Debit Card.

What our customers have to say about us

  Strong Support

Customer Review by N Kalawathi

I am very pleased with the whole process. It was very hassle-free and saved my time. Simple to follow steps and not too many questions asked. And what more??? The price was right!!! Just the package I was looking for and I’m glad this package is still available. It was a pleasant experience buying a maid insurance package from HL and their response was very fast. Overall, I would give 100/100. At the end of the day, there was a huge smile on my face. Thank you HL Assurance.

  Efficient & Professional

Customer Review by Arnel Repeso

My maid got insured instantly at the last minute while being held in Immigration. Thanks for the fast email of the policy.

  Strong Support

Customer Review by Ryan Poh

Many thanks for the strong support and helping us to secure this case although the official working hours is over. Great team effort and seamless communication.

  Efficient & Professional

Customer Review by Elizabeth

Thank you so much in getting this sorted for us! You are super efficient and professional at handling our case. I’m thoroughly impressed and appreciate HL taking the right actions to keep their customers happy and loyal!

Maid Protect360 PRO Insurance Promotion Terms And Conditions

Terms and Conditions
  • The promotion is held from now until 30 September 2025.
  • Eligible customers who successfully purchase any Maid Protect360 PRO policies during the Promotion Period will be entitled to 16% discount.
  • This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personal-insurance/maid-insurance/
  • New purchases refer to purchases via HL Assurance website (as per stated above), and are not applicable to any purchase from HL Assurance’s agency partner.
  • This promotion is not valid with any ongoing travel discounts, schemes or privileges.
  • HL Assurance, at any time, at its sole discretion and without prior notice, can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
  • In the event of any dispute, HL Assurance management’s decision is final.
  • HL Assurance’s full disclaimers, terms, and conditions apply to individual products. © 2025 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
  • “HL Assurance” means HL Assurance Private Limited.
  • HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s 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 HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.

To view full details on Terms and Conditions for Maid16 & up to $80 FairPrice Vouchers Giveaway 2025, click here.

To view full details on Mother’s Day Giveaway Terms and Conditions, click here.

Maid Protect360 PRO Benefits And Coverage
What our Maid Insurance Covers

Note: Swipe left or right to view the full table on your mobile screen.

Policy Owners’ Protection Scheme

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 HL Assurance Pte. Ltd. or visit the GIA or SDIC websites ( www.gia.org.sg or www.sdic.org.sg).

Maid Protect360 PRO Insurance FAQs
Frequently Asked Questions for Maid Insurance

A: Maid Protect360 PRO provides comprehensive and high-value coverage for all employers and their domestic helpers in Singapore.

Our maid insurance plan covers payout on Hospital and Surgical Expenses, Personal Accident protection, Alternative Maid services, Waiver of 25% Co-Payment (for Enhanced plans and above) and even outpatient privileges for the maid with subsidised consultation fee for medical and dental services.

A: Maid Protect360 PRO fulfil MOM latest requirements. Learn more here.

We offer higher tier Premier and Exclusive plans for those who prefer to have more coverage and higher protection for their maid. There are also high value add-ons for you to boost your maid insurance coverage.

A: Maid Protect360 PRO is designed for you and your helper. It provides comprehensive benefits to protect the maid which include Personal Accident, Hospital and Surgical Expenses, Replacement Maid Services, Insurance Guarantee Bond, Personal Liability to Third Parties and other benefits.

In addition, your helper gets dental and medical coverage, alternative maid services and the waiver of co-payment. Your helper can also enjoy a subsidised rate for dental and GP medical consultation at our panel of clinics.

In addition to the comprehensive insurance coverage mentioned above, Maid Protect360 PRO also provides you with optional coverage under Enhanced Medical Benefits which includes:

  • Critical Illness up to $10,000
  • Mobility Aid Reimbursement up to $500
  • Free medical teleconsultation up to 3 times for you and 3 times your helper annually

A: No, there is no free look period.

A: HL Assurance will issue a Letter of Guarantee for the sum of $5,000 as a security bond on your behalf to the MOM. With this, you do not need to pay the $5,000 cash upfront to MOM when you are applying for a maid.

If a demand is made by MOM, HL Assurance will make the payment first and recover it from you under the Counter Indemnity arrangement of the insurance.

You may like to purchase the optional cover for a waiver of the Counter Indemnity in respect of the Letter of Guarantee to the Ministry of Manpower (MOM), paying only $250 for the Excess for your account. By availing this option, you are relieved from the obligation of making an upfront payment of $5,000 in cash to the MOM while applying for a maid in Singapore.

A: We will reimburse the Insured (your domestic helper) for Hospitalisation and Surgical Expenses (including Day Surgery) incurred in Singapore as a result of an accident and/or sickness sustained by the maid during the period of insurance.

A: This benefit reimburses you the actual expenses incurred for the termination and agency fees for hiring a replacement maid during the period of your maid’s hospitalisation due to death or permanent disablement. The replacement maid will need to be employed within thirty (90) days of your maid’s death or repatriation.

A: The Policy excludes pre-existing medical conditions and also communicable disease of the maid. If the injury is pre-existing, or due to suicide, pregnancy, influence of drugs etc, such conditions will also not be claimable under maid insurance.

A: Either you or HL Assurance can cancel the policy by giving the other party 14 days’ notice in writing. If you cancel the policy, you will receive a short period refund of premium paid for the unexpired period of the maid insurance. The amount refund is dependable by the period of when you cancel the policy.

A: You can submit the claim form, along with the supporting documents by fax at 6224 1923 or email at claims@hlas.com.sg. Alternatively, you can post it to HL Assurance office at 11 Keppel Road #11-01 ABI Plaza Singapore 089057.

A: You can find out more about Terms and Conditions for Maid Protect360 PRO here.

A: It is advisable to submit the application at least 3 working days before the start date of the maid insurance. This is to allow time for us to transmit the security bond and your maid’s insurance details to MOM.

Maid TypeDescriptionStart Date For Maid Insurance
New Maid Hiring maid for the first timeOn or before the maid’s arrival date in Singapore
Renew Maid Existing maid who is currently in Singapore and working for youOne day after the expiry date of the current work permit
Transfer MaidYou’re taking over maid who is currently working in Singapore Policy start date - The agreed transfer date which is also the day you apply for issuance of the maid’s new work permit

A: You will need the following details to apply for the Maid Insurance:

  • In-Principle Approval or Renewal letter from MOM
  • Maid’s passport details
  • Visa / Master card details for payment

A: Below is a table based on our 4 plans for you to take reference

PlanBasicEnhancedPremierExclusive
Annual Limit for Hospital & Surgical$60,000$60,000$80,000$80,000
Waiver of Co-payment (25%)NoYesYesYes
Scenario 1:
Helper incurs a $15,000 hospital bill for a necessary procedure
We will cover the total bill of $15,000
Scenario 2:
Helper incurs a $30,000 hospital bill for a necessary procedure
We will cover the first $15,000

Next $15,000
Co-payment applies

Employer: 25% x $15,000 = $3,750

Remaining
$15,000-$3,750
=$11,250

Out of the total $30,000 bill

Insurer will pay
$15,000 + $11,250 = $26,250

Employer will have to pay
$3,750
We will cover the first $15,000

Next $15,000
Co-payment will be waived

Employer = $0

Insurer = Settle the total $30,000
We will cover the first $15,000

Next $15,000
Co-payment will be waived

Employer = $0

Insurer = Settle the total $30,000
Balance claimable limit for the year$60,000 – $26,250 = $33,750$60,000 – $30,000 = $30,000$80,000 – $30,000 = $50,000
Scenario 3:
Helper incurs a $75,000 hospital bill for a necessary procedure
We will cover the first $15,000 (a)

Next $60,000
Co-payment 25% applies

$60,000 x 25% = $15,000 (b)

Remaining 75%
$60,000 - $15,000
=$45,000 (c)

Out of the total $75,000 bill
Insurer will pay
(a) $15,000
(c) $45,000 (Benefit limit reached)


We will pay up to annual limit $60,000

Employer will have to pay
(b) $15,000
We will cover the first $15,000 (a)

Next $60,000
Co-payment 25% will be waived

$60,000 x 25% = $15,000 (b)

Remaining 75%
$60,000 - $15,000
=$45,000 (c)

Out of the total $75,000 bill
Insurer will pay

(a) $15,000
(b) $15,000
(c) $30,000 (Benefit limit reached)

We will pay up to annual limit $60,000

Employer will have to pay
(c) $15,000
We will cover the first $15,000 (a)

Next $60,000
Co-payment 25% will be waived

$60,000 x 25% = $15,000 (b)

Remaining 75%
$60,000 - $15,000
=$45,000 (c)

Out of the total $75,000 bill
Insurer will pay

(a) $15,000
(b) $15,000
(c) $45,000

We will pay the total bill $75,000

Employer will have to pay
(c) $0
Balance claimable limit for the year$60,000 – $60,000 = $0$60,000 – $60,000 = $0$80,000 – $75,000 = $5,000

A: We will issue a Letter of Guarantee for the 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 Section 9 (Refer to the policy wordings)

Suppose you opt for the optional cover for Waiver of Counter Indemnity. In that case, you only need to reimburse us the excess amount of S$250, provided that the payment is not caused by or resulting from your breach of conditions under the Security Bond.

A: If your domestic helper is diagnosed with COVID-19 and hospitalised, we will reimburse the eligible medical expenses under Section 2 (Hospital & Surgical Expenses).

A: Alternative maid services pay for the cost of hiring temporary help if your helper is hospitalised due to injury or illness. The payout per day ranges from $100 to $200 for Enhanced, Premier and Exclusive Plans.

We have also arranged a special rate with our partner to assist you if your helper is unable to perform their duties, you will receive an email from us notifying you of the promotion code. Simply use the promotion code at checkout to enjoy the special rate.

A: If you have opted for the Enhanced Medical Benefits, you will receive an email from us to assist you to download an app in order to register for up to three (3) free teleconsultations each, for both you and your maid.

A: We provide comprehensive maid insurance coverage for both you and your helper of 4 levels with diverse limits: Basic, Enhanced, Premier, and Exclusive. Though the limits vary, the cover is broad and has everything you’re looking for in a maid insurance plan.

All plans cover the following benefits:

  • Personal Accident Benefits
  • Highest Hospital Cash Payout
  • Alternative Maid Services
  • Hospitalisation and Surgical Expenses
  • Waiver of Co-payment for Hospital & Surgical Expenses (Enhanced Plan and above)
  • Free Medical Tele-consultation for both you and your helper (Enhanced Plan and above)
  • Guarantee bond to Ministry of Manpower (MOM)
List of Clinics for Six-Monthly Medical Examination
Booking of Appointment for Maid’s Six-Monthly Medical Examination

The list of our Approved Clinics is outlined in the table below for your easy reference. To arrange for your maid’s medical examination, kindly call our Approved Clinics listed below for assistance to book an appointment.

List of Approved Clinics For Medical Examination

Please click here for the list of approved clinics.

Terms and Conditions

  • HLAS shall not be liable to pay for any additional medical examinations or treatment costs except the standard six-monthly medical examination (6ME) as required by Ministry of Manpower (MOM).
  • Based on the medical plan selected, the medical examination will be valid for 1 or 2 years from the policy effective date.
  • HLAS shall not be responsible for any loss, damage or liability arising out of the medical examination.
  • For any enquiries on the clinics and package, please call 6311 4592 during office hours.
List Of Clinics For Medical GP And Dental Consultation
Medical Consultation during normal hours

Should you wish to get a medical consultation for your maid, kindly walk in to any of the below approved clinics. Kindly bring along your maid’s work permit and present during registration.

List of Approved Clinics for GP Consultation

Please click here for the list of approved GP clinics.

Terms and Conditions

  • Special benefit/discount of the doctor consultation fees is only valid from the effective date until expiry of the current Policy, and only applicable to consultation during normal operation hours.
  • Surcharge will apply for consultations after 9:30pm and Public Holidays.
  • Medicine prescribed by the doctor will be chargeable based on Healthway Medical Group Formulary.
  • All medical charges will be payable by the patient or insured at the clinic.
  • HLAS shall not be responsible for any loss, damage or liability arising out of the medical consultation.
  • HLAS shall not be liable for any recommendation of the above clinics.
  • For any enquiries on the clinics and package, please call 6817 8211 during office hours.

List of Exclusions for GP Consultation

  • Congenital conditions and chronic illnesses. For clarity, the World Health Organization defines a chronic illness as a condition of long duration and generally slow progression.
  • Cosmetic treatment including acne treatment and cosmetic surgery.
  • Medical or surgical or other appliances including spectacles, contact lens or eye glasses and refraction’s or hearing aids.
  • Any expenses in respect of pregnancy, childbirth (including surgical delivery), miscarriage, abortion and pre-natal or post-natal care.
  • Treatment pertaining to fertility.
  • Any expenses for treatment in mental or nervous disorders.
  • Any expenses arising out of suicide, attempted suicide, intentionally self-inflicted injury, reckless activities (incl. racing, driving, skydiving, scuba diving, winter sports, hunting), any form of illegal activities (including war, participation in riot, strikes or civil commotion) or deliberate exposure to exceptional danger except in an effort to save another human life.
  • Treatment and investigation relating to sexually transmitted diseases.
  • Treatment arising directly and indirectly from abuse of drugs or alcohol.
  • Treatment for refraction errors of the eyes and vision care.
  • House calls.
  • Injury or illness whilst on active military duties.
  • Treatment for obesity, weight management or improvement.

List of Approved Dental Clinics

The list of our Approved Dental Clinics is outlined in the table below for your easy reference, kindly call our Approved Dental Clinics listed below for assistance to book an appointment. Kindly note that the dental consultation will only be waived upon dental treatment to be done. Terms and conditions to be referred at the dentist premises.

Please click here for the list of approved dental clinics.

Terms and Conditions

  • Special benefit/discount of the doctor consultation fees is only valid from the effective date until expiry of the current Policy, and only applicable to consultation during normal operation hours.
  • Free dental consultation will apply only if dental treatment is required.
  • All dental treatment will be payable by the patient or insured at the clinic.
  • Corporate rates are not to be used in conjunction with any other ongoing promotions, packages or privileges.
  • HLAS shall not be responsible for any loss, damage or liability arising out of the medical consultation.
  • HLAS shall not be liable for any recommendation of the above clinics.
  • For any enquiries on the clinics and package, please call 6817 8211 during office hours.

Teleconsultation Services

Terms and Conditions

  • Teleconsultation services is only valid for policies with Enhanced Medical Benefit.
  • Upon the successful purchase of Maid Protect 360 PRO with Enhanced Medical Benefit, customers are eligible to get 3 times free teleconsultation for yourself and 3 times free teleconsultation for your helper.
  • The free teleconsultation are non-transferrable.
  • HLAS shall not be liable for any recommendation of the above clinics.

Maid Cleaning Services

Terms and Conditions

  • Maid Protect 360 PRO customers are eligible for a special rate of cleaning services provided by Helpling.
  • We have curated a special rate of $20 per hour with a minimum of 3 hours per session for our customers.
  • Our customer can use this special rates anytime within the policy in force by quoting the promotion code provided to you.
  • Terms and conditions offered by Helpling is found here
  • HLAS shall not be liable for any recommendation of the services.

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