Renewal insurance companion guide

Maid Work Permit Renewal Insurance: MI, PAI, Bond, and Permit Duration

Before renewal, check medical insurance, personal accident insurance, the non-Malaysian helper security bond, and insurance validity.

Start renewal insurance enquiry See full renewal guide

Quick answer

Renewal insurance is a dependency before online renewal

MOM says that before renewing an MDW Work Permit, the employer needs to complete steps such as buying an insurance package covering security bond, medical insurance, and personal accident insurance [mom-renewal].

For renewal, MOM lists extending or buying MI, extending or buying PAI, and arranging a new security bond for a non-Malaysian helper [mom-renewal].

Renewal item	What to check	MOM-backed consequence
Medical insurance	Extend the existing MI or buy a new policy [mom-renewal].	MI must still meet MOM insurance requirements [mom-insurance].
Personal accident insurance	Extend the existing PAI or buy a new policy [mom-renewal].	PAI must still meet MOM requirements [mom-insurance].
Security bond	Get a new bond for a non-Malaysian helper and ask the bank or insurer to send details before renewal [mom-renewal].	Bond details can take up to 3 working days [mom-renewal].
Insurance validity	Check whether the package validity is less than 26 months [mom-renewal].	The renewed Work Permit may be shortened to 2 months before the insurance package expires [mom-renewal].

Official sources

MOM controls the renewal insurance sequence

This page follows MOM for renewal insurance, security bond, fee, timing, outcome, and permit-duration dependencies. Recheck MOM before submitting or advising on a specific renewal.

Renewal requirements

MOM lists MI, PAI, security bond, renewal fee, outcome timing, and permit-duration conditions [mom-renewal].

Insurance minimums

MOM sets MI and PAI coverage minimums and enhanced MI requirements [mom-insurance].

Security bond

MOM sets the bond amount, Malaysian exception, helper-cost rule, and effective-date logic [mom-bond].

Renewal readiness

Check the insurance dependency before the online renewal

This is a focused dependency checklist, not a full renewal guide.

Renewal letter received or printed from MOM if it did not arrive [mom-renewal].

MI extended or newly bought, with MOM minimums still checked [mom-renewal][mom-insurance].

PAI extended or newly bought, with MOM minimums still checked [mom-renewal][mom-insurance].

New security bond arranged if the helper is non-Malaysian [mom-renewal][mom-bond].

Bank or insurer instructed to send new bond details to MOM before renewal [mom-renewal].

Insurance package validity checked against the expected Work Permit duration [mom-renewal].

Private renewal records held back until the right follow-up path is clear.

Dependency table

The renewal insurance items do different jobs

Do not treat one line item as proof that the whole renewal is ready.

Item	Renewal action	Do not assume
MI	Extend the helper's existing medical insurance or get a new policy [mom-renewal].	Do not assume old coverage still satisfies current MOM minimums [mom-insurance].
PAI	Extend the helper's existing personal accident insurance or get a new policy [mom-renewal].	Do not assume PAI is covered just because MI exists [mom-insurance].
Security bond	For a non-Malaysian helper, get a new bond and have details sent before renewal [mom-renewal].	Do not assume the bond is optional for a non-Malaysian helper [mom-bond].
Package validity	Check whether the insurance package validity is less than 26 months [mom-renewal].	Do not assume the renewed permit will always run for the full period [mom-renewal].

Permit-duration risk

Short insurance validity can shorten the renewed Work Permit

MOM says the renewed Work Permit is usually valid for 2 years, but if the insurance package validity is less than 26 months, the duration can run until 2 months before the insurance package expires [mom-renewal].

Check policy validity dates before expecting the full renewal duration.

Check the helper's age and other MOM duration conditions in the full renewal guide.

Keep policy documents and renewal letters out of first public contact.

Timing

Why renewal insurance should be started before the last week

The Work Permit renewal outcome may be immediate, but the supporting items are not always immediate.

Timing issue	What MOM says	Practical meaning
Renewal letter	MOM says the renewal letter should arrive about 8 weeks before expiry [mom-renewal].	Use that window to check insurance and bond dependencies.
Bond details	MOM says new bond details can take up to 3 working days to reach MOM before renewal [mom-renewal].	Do not leave the bond to the submission day.
Online renewal	MOM says the renewal outcome is immediate and costs $35 [mom-renewal].	The fast transaction still depends on prior readiness.
Late renewal	MOM says late renewal can leave levy liability, levy penalties, or overstaying fine exposure [mom-renewal].	Dependency delays can become deadline exposure.

Guided pathways

Use the right page for the right renewal question

This page is the insurance dependency layer. Use the full renewal guide when timing, medical examination, fee, card delivery, or extension matters.

Renewal

Full renewal guide

Use when the whole renewal sequence needs checking.

Bond

Insurance and bond guide

Use when the new-arrival or bond distinction is unclear.

Hub

Maid insurance hub

Use for the wider MI, PAI, bond, and FAQ context.

Docs

Paperwork support

Ask a document-light renewal readiness question.

Employer questions

FAQ

Short answers, source-linked where needed.

Is renewal insurance a separate product?

Not necessarily. MOM's renewal page refers to extending or buying MI and PAI, and arranging the security bond for non-Malaysian helpers. Package labels should be checked against the underlying requirements [mom-renewal][mom-insurance][mom-bond].

Can insurance validity affect the renewed Work Permit duration?

Yes. MOM says the renewed Work Permit may be shorter if the insurance package validity is less than 26 months [mom-renewal].

Does every renewal need a new security bond?

MOM lists a new security bond for a non-Malaysian helper. Malaysian helpers are exempt from the security bond requirement [mom-renewal][mom-bond].

How long can new bond details take?

MOM says the bank or insurer can take up to 3 working days to send the new bond details before renewal [mom-renewal].

How much is the renewal fee?

MOM states the renewal fee is $35 per renewal [mom-renewal]. This is separate from insurance and bond costs.

What should I send in the first enquiry?

Send the broad question, expiry timing, and reply method. Do not attach the renewal letter, passport page, medical form, policies, bond documents, payment proof, or Work Permit records in public contact.

Claim boundary

What this guide does not claim

Some claims need separate evidence and approval.

This page does not guarantee renewal approval, full Work Permit duration, successful bond filing, or insurer/package adequacy.
This page does not quote premiums, recommend insurers, rank plans, or replace MOM's renewal transaction instructions.
Renewal letter, passport, medical, policy, bond, payment, and permit records stay outside public contact.

Official source links

Last checked: 2026-06-16. Open the official source before relying on time-sensitive details.

Authority Official sources

Checked 2026-06-16

Link mode Direct source

MOM.gov.sg [mom-renewal]

MOM: Renew a Work Permit for a migrant domestic worker (MDW)

Renewal insurance, bond, fee, outcome timing, and permit-duration dependency.

Open MOM source Checked 2026-06-16. Source key: [mom-renewal].

MOM.gov.sg [mom-insurance]

MOM: Insurance requirements for MDWs

MI, PAI, minimum coverage, enhanced MI, and employer-cost rule.

Open MOM source Checked 2026-06-16. Source key: [mom-insurance].

MOM.gov.sg [mom-bond]

MOM: Security bond requirements for MDWs

Security bond amount, Malaysian exception, helper-cost rule, and bond timing context.

Open MOM source Checked 2026-06-16. Source key: [mom-bond].

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.

Connected guide layer

Main guide map

Move by decision point across hiring, insurance, agency discovery, verification, and renewal.

Open guide directory

01 Hiring Hire a maid

Choose the hiring path before paperwork gets heavy.

Open guide 02 Eldercare Eldercare helper

Understand the AIC eldercare support landscape before asking for help.

Open guide 03 Work Permit Work Permit

Understand the Work Permit path before application or paperwork begins.

Open guide 04 Insurance Maid insurance

Understand insurance and bond basics before buying or renewing.

Open guide 05 Bond Insurance + bond

Separate MI, PAI, and security bond before buying a package.

Open guide 06 Renewal insurance Renewal insurance

Check MI, PAI, bond, and package validity before renewal.

Current guide 07 Agency Maid agency

Verify first, then choose who to speak with.

Open guide 08 Agency Licensed agency

Use MOM records before trusting agency licence or personnel claims.

Open guide 09 Verify Verify a maid agency

Check official records before trusting claims.

Open guide 10 Renewal Renew Work Permit

Check renewal readiness before the deadline pressure builds.

Open guide

Next action

Check renewal insurance before submission pressure builds

Share only the broad renewal timing question and whether the issue is MI, PAI, bond, or package validity. Keep documents for the proper follow-up.

Start renewal insurance enquiry