Insurance requirement guide

FDW Insurance Requirements in Singapore: What Employers Should Check

Understand the required insurance layers before arrival, renewal, or document follow-up.

Ask about insurance or bond support Insurance or bond

Quick answer

Employers should separate the two insurance layers from the bond

MOM describes medical insurance and personal accident insurance as required employer-arranged protections for migrant domestic workers [mom-fdw-insurance-requirements].

The security bond is a separate requirement for most non-Malaysian helpers and should be checked on MOM before arrival or renewal planning [mom-fdw-security-bond].

Decision point	What to check	Source
Medical insurance	Check the current minimum annual claim limit and whether the policy period covers the required employment period.	[mom-fdw-insurance-requirements]
Personal accident insurance	Check the current minimum sum assured and who compensation is meant to protect.	[mom-fdw-insurance-requirements][mom-fdw-medical-vs-pai-faq]
Security bond	Treat bond handling as a separate MOM requirement with its own timing and discharge rules.	[mom-fdw-security-bond]
Renewal	Before renewal, check whether existing coverage and bond details remain valid for the renewal period.	[mom-fdw-renew-work-permit]

Official sources

MOM remains the source of truth

This page is a plain-language orientation layer. Open the linked MOM pages before relying on time-sensitive requirements, timings, amounts, fees, or process details.

Insurance requirements for migrant domestic workers

Medical insurance and personal accident insurance requirements for MDWs. [mom-fdw-insurance-requirements]

Security bond requirements for MDWs

Security bond timing, amount, exception, discharge, and forfeiture context. [mom-fdw-security-bond]

Renew a Work Permit for an MDW

Renewal letter, renewal sequence, required insurance and bond dependencies. [mom-fdw-renew-work-permit]

Source map

The source checks behind the decision

Use this table as an orientation map before documents or private records move.

Decision point	What to check	Source
Medical insurance	Check the current minimum annual claim limit and whether the policy period covers the required employment period.	[mom-fdw-insurance-requirements]
Personal accident insurance	Check the current minimum sum assured and who compensation is meant to protect.	[mom-fdw-insurance-requirements][mom-fdw-medical-vs-pai-faq]
Security bond	Treat bond handling as a separate MOM requirement with its own timing and discharge rules.	[mom-fdw-security-bond]
Renewal	Before renewal, check whether existing coverage and bond details remain valid for the renewal period.	[mom-fdw-renew-work-permit]

Practical reading

How to read this guide safely

The public page should reduce confusion without turning into case-specific advice.

Do not compare by package name alone

A plan label is less important than whether the current MOM requirements and period are met.

Do not pass protected costs to the helper

MOM says employers must not pass the medical insurance or personal accident insurance cost to the helper [mom-fdw-insurance-requirements].

Keep first contact light

Ask about the route and timing first. Policy documents and payment records should wait for private follow-up.

Route sequence

A careful sequence before follow-up

Work from source to route to private follow-up.

Confirm whether the helper is arriving, renewing, transferring, or still at route-choice stage.

Check MOM's insurance page for current medical insurance and personal accident insurance requirements.

Check whether the security bond requirement also applies for the helper's situation.

Match policy and bond timing to the application or renewal sequence.

Keep policy, payment, identity, and medical records out of public contact.

Before contact

Pre-contact checklist

Use this checklist before sending a public enquiry.

Insurance requirement page checked on MOM.

Medical insurance and personal accident insurance treated as different protections.

Security bond checked separately where applicable.

Application or renewal timing confirmed before documents move.

No insurer ranking or package recommendation used as compliance proof.

Sensitive insurance and identity records held for private follow-up.

Blocked claims

Claims this page keeps out

Some claims need source evidence, owner approval, or private case review before they can be used.

This page keeps those claims out of public copy.

This page does not recommend an insurer or product.

This page does not provide medical, legal, finance, or compliance sign-off.

This page does not publish an Anson Mae Manpower fee table.

This page does not promise an application or renewal outcome.

Guided pathways

Choose the next safe route

Move from reading to the closest guide or service page.

Insurance or bond

Related service route for a careful first enquiry.

Maid insurance

Related source-led guide for the next decision.

security bond for maid singapore

Related source-led guide for the next decision.

Contact

Related service route for a careful first enquiry.

Employer questions

FAQ

Short answers, source-linked where needed.

Are medical insurance and personal accident insurance the same thing?

No. MOM separates the two protections and explains the distinction in its FAQ [mom-fdw-medical-vs-pai-faq].

When should insurance be arranged?

For an arriving helper, check MOM's application and insurance pages before arrival preparation is treated as complete [mom-fdw-apply-work-permit][mom-fdw-insurance-requirements].

Is the security bond part of insurance?

It is connected to readiness but it is a separate MOM requirement with its own page and rules [mom-fdw-security-bond].

Can I send policy documents in the first enquiry?

No. Start with the route, timing, and question. Policy and payment records should wait for private follow-up.

Does this guide choose an insurance plan?

No. It explains the source checks. Product choice and advice need a separate reviewed process.

Claim boundary

What this guide does not claim

Some claims need separate evidence and approval.

All required insurance figures stay tied to the MOM source page.
No insurer, product, or package is ranked or recommended.
No case-specific compliance sign-off is given.

Official source links

Last checked: 2026-06-17. Open the official source before relying on time-sensitive details.

Authority Official sources

Checked 2026-06-17

Link mode Direct source

MOM.gov.sg [mom-fdw-insurance-requirements]

MOM: Insurance requirements for migrant domestic workers

Medical insurance and personal accident insurance requirements for MDWs.

Open MOM source Checked 2026-06-17. Source key: [mom-fdw-insurance-requirements].

MOM.gov.sg [mom-fdw-security-bond]

MOM: Security bond requirements for MDWs

Security bond timing, amount, exception, discharge, and forfeiture context.

Open MOM source Checked 2026-06-17. Source key: [mom-fdw-security-bond].

MOM.gov.sg [mom-fdw-renew-work-permit]

MOM: Renew a Work Permit for an MDW

Renewal letter, renewal sequence, required insurance and bond dependencies.

Open MOM source Checked 2026-06-17. Source key: [mom-fdw-renew-work-permit].

MOM.gov.sg [mom-fdw-apply-work-permit]

MOM: Apply for a Work Permit for an MDW

Application route and pre-arrival preparation context.

Open MOM source Checked 2026-06-17. Source key: [mom-fdw-apply-work-permit].

MOM.gov.sg [mom-fdw-medical-vs-pai-faq]

MOM: Medical insurance and personal accident insurance FAQ

Plain distinction between medical insurance and personal accident insurance.

Open MOM source Checked 2026-06-17. Source key: [mom-fdw-medical-vs-pai-faq].

Privacy boundary

Read first. Send documents later.

Use guides to understand the route. Keep private records for the right follow-up.

No public document uploads.
No helper CV, passport, permit, medical, payment, salary, insurance, or identity files in first contact.