InsureHelper is a comprehensive insurance plan that protects you and your migrant domestic worker from the unexpected.
Personal accident coverage
Coverage on hospitalisation and surgical expenses without limitation on ward type
If continuously insured with UOI for previous 12 months or more
Find out what each plan covers in the sections below.
Maximum Limit Per Plan
Personal Accident (Worldwide)
Up to S$60,000
Up to S$60,000
Hospitalisation and/or Surgical Expenses
Migrant Domestic Worker's Personal Belongings
Letter of Guarantee to the Ministry of Manpower (MOM)
Letter of Guarantee Protector to the Ministry of Manpower (MOM)
– Excess to be borned by Insured
Excess capped at S$150
Reimbursement of Salary Paid (Up to 30 days)
S$30 per day
S$30 per day
Temporary Alternate Arrangement
Termination / Re-hiring Expenses
Migrant Domestic Worker’s Liability
Letter of guarantee to the Philippines Overseas Labour Office Singapore
Additional Premium Payable
Bond Amount of S$2,000 (For hiring through an accredited migrant domestic worker agency)
Bond Amount of S$7,000 (For direct hiring, renewal or through a non-accredited migrant domestic worker agency)
+ Inclusive of 8% GST
Please refer to the Policy Wording for the full details of the terms, conditions and exclusions of this insurance.
The Ministry of Manpower (MOM) requires employers to purchase insurance for migrant domestic workers prior to Work Permit new applications/renewals.
If you are employing a new migrant domestic worker, you can submit your application online before her arrival. For renewal of a migrant domestic worker’s Work Permit, you will receive the renewal letter from MOM about 8 weeks before the Work Permit expires.
Yes, InsureHelper provides coverage in line with MOM’s revised requirements effective 1 October 2017 which include:
*Security bond is not required for Malaysian migrant domestic workers under MOM’s requirements.
For more information, please refer to MOM’s "Work Permit for Migrant Domestic Workers".
Instead of putting S$5,000 cash with MOM, you can choose to purchase a Letter of Guarantee (which is part of the InsureHelper coverage). In the event you breach the conditions governing the employment of your migrant domestic worker, we will pay MOM first and then recover the amount from you.
The same principle works for the Insurance Bond submitted to the Philippine Overseas Labor Office in Singapore.
The additional 2 months is a requirement from MOM. There is no additional premium charged for the additional 2 months coverage.
The Personal Accident Insurance coverage will cease from the time your migrant domestic worker leaves Singapore for her home leave. The coverage will resume upon her return to Singapore provided her work permit is still valid during the period of insurance.
We will transmit your data to MOM on the same business day if we receive your application before noon. Applications received after noon or on non-business days will be processed on the next business day.
Upon receiving the transmission result from us, which will be within 3 days from our data transmission to MOM, you may log in to MOM’s website with your SingPass to renew your migrant domestic worker’s work permit.
We will only cancel your policy upon the receipt of the discharge notice given by MOM during the Period of Insurance. The premium refund is based on the following scale, provided there is no claim made under this Policy.
There will be no refund of insurance premium if there is a claim made under the policy.
|Discharge Date||Percentage of
|Within 31 days from the effective date of the Policy||85%|
|Between 32 to 60 days from the effective date of the Policy||80%|
|Between 61 to 90 days from the effective date of the Policy||60%|
|Between 91 to 180 days from the effective date of the Policy||30%|
|More than 180 days from the effective date of the Policy||No Refund|
You may contact our Claims Division at 6222 7733 during business hours. We will advise you on the claim procedure depending on the type of claim.
The above is provided for general information only and is not a contract of insurance. Full details of the terms, conditions and exclusions of this insurance are provided in the policy contract and will be sent to you upon acceptance of your application by United Overseas Insurance Limited (UOI). You may wish to seek advice from a qualified adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from a qualified adviser, you should consider carefully whether this product is suitable for you. UOB does not hold itself out to be an insurer or insurance broker. The insurance products and services stated herein are provided by UOI.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your insurance 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 your insurer or visit the GIA or SDIC websites. (www.gia.org.sg or www.sdic.org.sg).
United Overseas Bank Limited Co. Reg. No.193500026Z
United Overseas Insurance Limited Co. Reg. No. 197100152R