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

DHY Co-payment

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

A peace of mind when full hospital bills are taken care of by us up to the benefit limits.

DHY Maid Service

Alternative
Maid Services

Assurance that temporary assistance will be covered when your helper needs rest.

DHY You and me

Critical Illness &
Free Medical Teleconsultation

The only plan with high-value options. Complimentary medical teleconsultation for both you and your maid.

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.

Buy-Now-New-Button

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.

Buy-Now-New-Button

Why You Should Choose our Maid Insurance in Singapore?

The best maid insurance with comprehensive coverage that goes above and beyond

Maid-Protect-Insurance-Personal-Accident-&-Hospitalisation-Benefits

Personal Accident Benefits

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

DHY Artboard 39

Highest Hospital Cash

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

DHY Artboard 35

Waiver of Co-payment

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

DHY Artboard 34

Alternative Maid Services

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

Maid-Protect-Insurance-Outpatient-Medical-&-Dental-Benefit

Hospitalisation and Surgical Expenses

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

DHY Artboard 40

Guarantee bond to Ministry of Manpower (MOM)

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

Buy-Now-New-Button
Renewal-Login-Button

You can BOOST Your Coverage With Comprehensive and High Value Add-Ons

DHY Artboard 41

Enhanced Medical Benefits + Free Medical Teleconsultation

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

DHY Artboard 42

Six-Monthly Medical Examination

Save with us on each mandatory medical examination compared to the walk-in price when your helper do 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 should the Ministry of Manpower (MOM) makes a demand for the security bond payment.

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.

Buy-Now-New-Button
Renewal-Login-Button

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.

CI-Website-CI-Icon

High Critical Illness
Coverage

CI-Website-Ambulance-Icon

High Personal
Accident Coverage

CI-Website-Medical-Checks-Icon

Medical Second
Opinion

CI-Website-Clinic-Icon

Annual Health
Screening

Other Promotions

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 Promotion Terms and Conditions
  • The promotion is valid from now until 30 June 2023, new customers who purchase any Maid Insurance policy (Maid Protect360 PRO) will be entitled to $30 worth of NETS Prepaid Card (“Gift”).
  • This Gift is applicable only for online direct (new purchases only via HL Assurance website at https://www.hlas.com.sg/personalinsurance/maidinsurance/.
  • New purchases refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.
  • Upon successful payment of policy, Qualified Customers will receive a redemption letter after fourteen (14) business days (excluding Saturday, Sunday and Public Holidays).
  • All details and particulars submitted in the application form must be accurate, true and complete.
  • HL Assurance is also not obliged to replace any NETS Prepaid Card (“Gift”) where email address provided by policyholder is invalid or incorrect.
  • The Gift is not transferable or exchangeable for cash, credit or any other item in part or in whole.
  • HL Assurance may at its sole discretion at any time and without prior notice substitute or replace the Gift with any other gift of equal or higher value.
  • HL Assurance is not a supplier of the product(s)/services(s) offered and shall not bear any liability in relation thereto.
  • All NETS Prepaid Card (“Gift”) to be collected at NETS Customer Service Centre at 351 Braddell Road, #01-03, Singapore 579713. More details please refer to Redemption letter.
  • Gift(s) are on a first-come-first serve basis and while stocks last.
  • HL Assurance may vary the Terms and Conditions of this Promotion without prior notice or withdraw or discontinue the Promotion at any time without any notice or liability to you.
  • 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 full disclaimers, terms and conditions apply to individual products. © 2021 HL Assurance is 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 Maid 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.
  • The promotion is held from 17 January to 5 February 2023 (both dates inclusive).
  • Eligible customers who successfully purchase any Maid Protect360 PRO policy during the Promotion Period will be entitled to an additional 10% off any policies provided that the policy is not subsequently cancelled.
  • This promotion is only applicable for new purchases made via HL Assurance website at https://www.hlas.com.sg/personalinsurance/maidinsurance/ using promo code “CNY23MAID”.
  • New purchases refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.
  • This promotion is not valid with any on-going discounts, schemes or privileges.
  • HL Assurance may vary the Terms and Conditions of this Promotion without prior notice or withdraw or discontinue the Promotion at any time without any notice or liability to you.
  • 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 full disclaimers, terms and conditions apply to individual products. © 2021 HL Assurance is 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.
  • The promotion is held from 22 October 2021 to 31 December 2021 (both dates inclusive).
  • Eligible customers who successfully purchase or renew any Maid Protect360 PRO policy during the Promotion Period will be entitled to a $10 Grab voucher(“Gift”), provided that the policy is not subsequently cancelled.
  • This is while stock last. Limited to 200 customers.
  • This promotion is only applicable for new purchases and renewal made via HL Assurance website at https://www.hlas.com.sg/personalinsurance/maidinsurance/ using PayNow as payment method.
  • New purchases and renewal refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.
  • HL Assurance will send a redemption email within 60 days from the successful purchase of a policy to the electronic mailing address which was provided to HL Assurance at the point of purchase of the policy.
  • The Gift is not transferable or exchangeable for cash, credit or any other item in part or in whole.
  • HL Assurance may at its sole discretion at any time and without prior notice substitute or replace the Gift with any other gift of equal or higher value.
  • HL Assurance may vary the Terms and Conditions of this Promotion without prior notice or withdraw or discontinue the Promotion at any time without any notice or liability to you.
  • 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 full disclaimers, terms and conditions apply to individual products. © 2021 HL Assurance is 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 Maid 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.

Christmas Spin-and-Win Contest Terms and Conditions

 

  • This Spin-and-Win Contest (“Contest”) is open to participants that have completed the Christmas Spin-and-Win Online Registration Form from 18 December to 31 December 2020 at the start of the Contest period. The contest period is from 18 December to 31 December 2020 (both dates inclusive). By participating in this Contest, each participant agreed to be bound by the terms and conditions set out below.

Eligibility

 

  • The Promotion is open to the following Participants:
    1. Singapore Citizen or Singapore Permanent Resident or holder of a valid Employment Pass, work permit, dependent pass, student pass or long term visit pass issued by the authorities in Singapore who are at least 18 years old.
    2. Successfully completed the Online Registration Form between the Contest period.
  • Employees of HL Assurance Pte. Ltd. (“HL Assurance”), their immediate family members and any other parties directly involved in organizing, promoting, or conducting the Promotion are not eligible to participate in the Promotion.
  • HL Assurance has the sole discretion to exclude any person from participating in the Promotion without any obligation to furnish any notice and/or reason.
  • All details and particulars submitted in the online registration form must be accurate, true and complete. Incomplete, inaccurate or illegible lucky draw forms will be disqualified.
  • All Contest entries must be received before 23:59 on 31 December 2020 (GMT +8:00).
  • Participants will be given one (1) spin-and-win chance with every successful registration form completed.
  • Participants are deemed to have agreed that HL Assurance may contact you via voice call for the purposes of this contest registration and/or gifts.
  • Participants consent that their personal data may be used by HL Assurance and its affiliates, and may be disclosed by HL Assurance to its affiliates to send them marketing and promotional information and materials by post and/or emails.
  • HL Assurance reserves the right (but shall not be obliged) to have reserve Winner(s) to substitute any Winner selected for the Contest subsequently found to be disqualified for any reason. Our determination of the Winners selected for the Contest shall be final, conclusive and binding, and no appeal or correspondence will be entertained.
  • Prizes are non-transferable and non-exchangeable for cash and may be subject to availability of stocks. HL Assurance reserves the right to replace any prizes with items of similar value without prior notice.
  • The Prize is provided as-is with no warranty or guarantee. All applicable laws and regulations apply, including but not limited to tax laws. Each Winner is liable for any and all tax obligations arising from the award of a Prize to him/her.
  • Winner must present the printed email notification letter and any identification document(s) (where required) to redeem the Prize.
  • Selected Prizes ($20 CapitaVouchers, $20 Cold Storage Vouchers, $50 CapitaVouchers, $50 Cold Storage Vouchers, Apple Airpods, Redmi Note 8) will be applicable only with purchase of Early Protect360, Maid Protect360 PRO or Car Protect360.
  • Winners will be required to self-collect their Prize at the HL Assurance’s office, 11 Keppel Road, #11-01 ABI Plaza Singapore 089057 on or before 31 January 2021 during office hours. The Contest Prizes that are not collected after 31 January 2021 shall be forfeited and HL Assurance reserves the rights to deal with all unclaimed prizes in any manner deemed fit.

General Terms and Conditions

 

  • By participating in this Contest, participants agree to HL Assurance (“Company”) Policy on Personal Data, that all personal data provided to the Company or acquired by the Company from the public domain, as well as personal data that arises as a result of the provision of services to participants will be subjected to such Policy on Personal Data as may be varied from time to time. Further copies are available upon request or from the Company’s website (www.hlas.com.sg). HL Assurance will fully cooperate with any law enforcement and government authorities and any judicial or regulatory orders requesting copies of or information in relation to any postings or content.
  • HL Assurance makes no warranty or representation as to the quality, merchantability or fitness for purpose of the merchants’ goods and services in respect of the Prize. Any dispute about the same must be resolved directly with the merchant. Merchant terms and conditions apply.
  • HL Assurance’ decision on all matters relating to or in connection with this Contest is final and binding on all participants. HL Assurance shall not be obliged to enter into any correspondence on any matter concerning the Contest.
  • HL Assurance is not the agent of the merchant and make no representation as to the quality/condition or performance of the goods and services. Any dispute about quality/condition or performance of the goods and services is to be resolved directly between the Winners and the merchant.
  • A person who is not a party these Terms and Conditions shall have no right under the Contracts (Rights of Third Parties) Act (Cap 53B) to enforce any of these Terms and Conditions and notwithstanding any terms herein, the consent of any third party is not required for any variation (including any release or compromise of any liability) or termination of these Terms and Conditions.
  • By participating in this Contest, the Winners grants us the right to publish the results of the Contest, and disclose the information (including name, masked NRIC/FIN number)
    1. on our website
    2. on our Facebook page.
  • All information is correct at the time of publishing.
  • The promotion is held from 04 November 2022 to 13 November 2022 (both dates inclusive).
  • Eligible customers who successfully purchase any Maid Protect360 policy during the Promotion Period will be entitled to a 10% off the policy premium (“Gift”), provided that the policy is not subsequently cancelled.
  • This promotion is only applicable for new purchases made via HL Assurance website at hlas.com.sg/personalinsurance/maidinsurance using promo code “FLASHSALEMAID”.
  • New purchases refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.
  • This promotion is not valid with any on-going promotions, schemes or privileges.
  • HL Assurance may vary the Terms and Conditions of this Promotion without prior notice or withdraw or discontinue the Promotion at any time without any notice or liability to you.
  • 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 full disclaimers, terms and conditions apply to individual products. © 2021 HL Assurance is 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 Maid 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 (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.
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).

FAQs
Frequently Asked Questions for Maid Insurance

A: Maid Protect360 PRO provides comprehensive, high-value coverage for all employers and their domestic helper.
The 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.

A: Maid Protect360 PRO fulfil MOM latest requirements.
We offer higher tier Premier and Exclusive plans for those who prefer to have more coverage and higher protection. There are also high value add-ons for you to boost your 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, you get dental and medical coverage, alternative maid services and the waiver of co-payment. In addition, your helper also enjoy subsidized rate for dental and GP medical consultation at our panel of clinics

In addition to the comprehensive coverage mentioned above, Maid Protect360 PRO also provide 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.
In the event that 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 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.

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 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 day before the start date for 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 are some iIIustration 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 helper is diagnosed with COVID-19 and hospitalized, 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 hospitalized 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 our partner to assist you to download an App in order to register for the 3 times free teleconsultation each, for both you and your maid. The email shall provide you with the 3 promotion codes to be used to activate the free teleconsultation service.

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.

Know more about Maid Insurance in Singapore

6 Biggest Misconceptions About Maid Insurance in Singapore

Before welcoming a domestic helper into your home, you will need to ensure that you have taken all possible measures to ensure she can perform her duties safely. Taking out a maid insurance policy is one way to ensure that your helper is protected. If this is the first time you are hiring a domestic…

Details