Insurance requirements for migrant domestic workers
Medical insurance and personal accident insurance requirements for MDWs. [mom-fdw-insurance-requirements]
Medical insurance guide
Maid Medical Insurance in Singapore: Source Checks Before You Buy or Renew
Use MOM's insurance page to understand required medical insurance before arrival or renewal.
Quick answer
Medical insurance covers healthcare claims, not every insurance question
MOM's insurance page sets out the required medical insurance layer for MDWs and states that employers cannot pass that cost to the helper [mom-fdw-insurance-requirements].
Personal accident insurance is a separate layer, and MOM's FAQ explains the difference [mom-fdw-medical-vs-pai-faq].
| Decision point | What to check | Source |
|---|---|---|
| Medical insurance | Check the current annual claim limit and required coverage posture. | [mom-fdw-insurance-requirements] |
| Personal accident insurance | Check separately because it protects against different events. | [mom-fdw-medical-vs-pai-faq] |
| Renewal | Confirm whether coverage remains valid for the renewal period. | [mom-fdw-renew-work-permit] |
| Medical care | Do not treat insurance information as medical advice. | [mom-fdw-insurance-requirements] |
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.
Medical insurance and personal accident insurance FAQ
Plain distinction between medical insurance and personal accident insurance. [mom-fdw-medical-vs-pai-faq]
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 annual claim limit and required coverage posture. | [mom-fdw-insurance-requirements] |
| Personal accident insurance | Check separately because it protects against different events. | [mom-fdw-medical-vs-pai-faq] |
| Renewal | Confirm whether coverage remains valid for the renewal period. | [mom-fdw-renew-work-permit] |
| Medical care | Do not treat insurance information as medical advice. | [mom-fdw-insurance-requirements] |
Practical reading
How to read this guide safely
The public page should reduce confusion without turning into case-specific advice.
Coverage period first
The policy needs to support the employment period being arranged or renewed.
No medical advice
This page does not interpret symptoms, treatment, clinics, or claims.
Keep records private
Medical, policy, payment, and identity records should not move through public contact.
Route sequence
A careful sequence before follow-up
Work from source to route to private follow-up.
Open MOM's insurance page and confirm the current medical insurance requirement.
Check whether the helper is arriving or renewing.
Separate medical insurance from personal accident insurance and the security bond.
Use the renewal page if a Work Permit renewal is the trigger.
Ask publicly only for route help, not policy-document review.
Before contact
Pre-contact checklist
Use this checklist before sending a public enquiry.
MOM insurance page opened.
Coverage requirement checked from current source.
Personal accident insurance checked separately.
Renewal period checked where relevant.
Medical advice boundary respected.
No medical or insurance records sent in first contact.
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 guide is not medical advice.
This guide is not insurance-product advice.
This guide does not review a specific claim.
This guide does not approve an application or renewal.
Guided pathways
Choose the next safe route
Move from reading to the closest guide or service page.
Insurance or bond
Insurance or bond
Related service route for a careful first enquiry.
Maid insuranceMaid insurance
Related source-led guide for the next decision.
fdw insurance requirements singaporefdw insurance requirements singapore
Related source-led guide for the next decision.
ContactContact
Related service route for a careful first enquiry.
Employer questions
FAQ
Short answers, source-linked where needed.
What is maid medical insurance for?
Use MOM's insurance page for the current requirement and minimum coverage context [mom-fdw-insurance-requirements].
Is it the same as personal accident insurance?
No. MOM explains the difference in its FAQ [mom-fdw-medical-vs-pai-faq].
Who pays for the required insurance?
MOM states employers must not pass the cost of required medical insurance or personal accident insurance to the helper [mom-fdw-insurance-requirements].
Does this page choose a policy?
No. It explains the source checks and public-contact boundary.
Can I send medical records through the website?
No. Medical records should wait for an approved private follow-up path.
What this guide does not claim
Some claims need separate evidence and approval.
- Medical insurance requirement statements stay tied to MOM.
- No policy, clinic, medical, or claims advice is provided.
- No public fee table is published.
Official source links
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-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].
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].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.
Guided pathways
Insurance and bond checks
Stay in the closest decision lane, then return to the directory when the question changes.
FDW insurance requirements
FDW Insurance Requirements in Singapore
Employers should separate the two insurance layers from the bond
Security bondSecurity Bond for a Maid in Singapore
The bond is separate from insurance and must be checked on MOM
Personal accident insuranceMaid Personal Accident Insurance in Singapore
Personal accident insurance is separate from medical insurance
Insurance renewalMaid Insurance Renewal in Singapore
Insurance renewal is part of renewal readiness
DirectoryAll guide routes
Return to the guide directory for the full source-led route map.
Next action
Ask about medical insurance support
Need help with medical insurance?
Send the broad question, timing, and preferred reply method. Private records can wait for the correct follow-up path.