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  2. INSURE
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  4. Helper Insurance

InsureHelper

  • Protect yourself and your domestic helper from the unexpected with InsureMaProtect yourself and your domestic helper from the unexpected with InsureMa

     

    Protect yourself and your migrant domestic worker from the unexpected with InsureHelper

     

    Buy now

     

Overview

InsureHelper is a comprehensive insurance plan that protects you and your migrant domestic worker from the unexpected.

Up to S$60,000

Up to S$60,000

Personal accident coverage

Up to S$15,000 per year

Up to S$15,000 per year

Coverage on hospitalisation and surgical expenses without limitation on ward type

Pre-existing illness coverage

Pre-existing illness coverage

If continuously insured with UOI for previous 12 months or more

Coverage

Find out what each plan covers in the sections below.

 

Benefits

Maximum Limit Per Plan

Essential Plan
from S$263+

Preferred Plan
from S$313+

Personal Accident (Worldwide)

  • Accidental Death

S$60,000

S$60,000

  • Permanent Disability

Up to S$60,000

Up to S$60,000

  • Medical Expenses

S$1,000

S$1,000

  • Traditional Chinese Medicine /
    Chiropractic Treatment

S$350

S$350

Special Grant

S$1,000

S$1,000

Repatriation Expenses

S$10,000

S$10,000

Hospitalisation and/or Surgical Expenses

S$15,000 p.a.

S$15,000 p.a.

Migrant Domestic Worker's Personal Belongings

S$300

S$300

Letter of Guarantee to the Ministry of Manpower (MOM)

S$5,000

S$5,000

Letter of Guarantee Protector to the Ministry of Manpower (MOM)
– Excess to be borned by Insured

N.A.

Excess capped at S$150

Reimbursement of Salary Paid (Up to 30 days)

S$30 per day

S$30 per day

Temporary Alternate Arrangement

S$500

S$500

Termination / Re-hiring Expenses

S$600

S$600

Migrant Domestic Worker’s Liability

S$5,000

S$5,000

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)

S$35

Bond Amount of S$7,000 (For direct hiring, renewal or through a non-accredited migrant domestic worker agency)

S$70

+ Inclusive of 8% GST

Please refer to the Policy Wording for the full details of the terms, conditions and exclusions of this insurance.

Seamlessly apply for or renew your migrant domestic worker’s Work Permit after purchasing InsureHelper

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.

  • Click on Buy Now.
  • Select Start Date of this insurance
    (Note: For existing migrant domestic worker’s Work Permit, please select policy start date as 1 day after the expiry of the existing Work Permit.)
  • Select your migrant domestic worker’s Nationality and the Plan you would like to purchase.
  • Upon successful application, UOI will transmit the data to MOM
    (Note: Applications received by UOI by noon will be sent to MOM on the same business day. Applications received after noon or on non-business days will be processed on the next business day.)
  • Once the data has been transmitted to MOM, you may visit the Work Permit Online page at MOM's website to access Work Permit Online to apply for or renew the Work Permit. UOI’s policy numbers for the security bond, personal accident and medical insurance will be shown on MOM's portal.
  • Complete and submit all the required documents in PDF format.
  • MOM will deliver the new Work Permit Card to the registered address 4 working days after the migrant domestic worker registers and gets her documents verified.
  • Return the existing Work Permit Card by mailing it to: Work Pass Division, Ministry of Manpower, 18 Havelock Road, Singapore 059764.

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FAQs

  1. Does InsureHelper meet the requirements of the Ministry of Manpower (MOM) for migrant domestic workers?

    Yes, InsureHelper provides coverage in line with MOM’s revised requirements effective 1 October 2017 which include:

    • Personal accident coverage of up to S$60,000,
    • Coverage of up to S$15,000 per year on hospital and surgical expenses such as inpatient care and day surgery; and
    • Security bond of S$5,000*. The bond can be in the form of a banker's or insurer's guarantee.


    *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".

  2. How does the Letter of Guarantee to MOM work?

    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.

  3. Why is the Period of Insurance shown on the Schedule 26 months when the work permit issued to my migrant domestic worker is only for 24 months?

    The additional 2 months is a requirement from MOM. There is no additional premium charged for the additional 2 months coverage.

  4. Does the Personal Accident Insurance cover my migrant domestic worker when she is on home leave?

    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.

  5. When can I do the renewal of my migrant domestic worker’s work permit via MOM’s website after I submit my InsureHelper application?

    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.

  1. How much premium refund can I receive if I cancel InsureHelper before the expiry date?

    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 Premium Refund
    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
  1. How can I make a claim?

    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.

Important Notes

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

UOB