1. Maid Insurance Is Optional
❌ Not true.
✅ MOM requires all employers to buy maid insurance with:
• At least \$60,000 personal accident coverage
• At least \$15,000 medical coverage per year
2. It Covers All Medical Bills
❌ Most plans only cover hospitalisation.
✅ Regular clinic visits (e.g. for a cold) usually aren’t covered unless specified.
???? Some plans offer discounted outpatient care at partner clinics.
3. Cheapest Is Best
❌ Low-cost plans may lack:
• Repatriation coverage
• Third-party liability
• Helper’s personal belongings protection
✅ Always check the coverage details, not just the price.
4. All Policies Are the Same
❌ Basic plans only meet MOM’s minimum.
✅ Better policies include:
• Wage compensation if helper is hospitalised
• Optional outpatient/dental check-up discounts
• Enhanced security bond options
5. “I’ll Never Use It”
❌ Accidents and illness can happen anytime.
✅ More comprehensive policies offer real benefits like subsidised check-ups and security bond coverage — saving you money and hassle.
6. It’s Useless If the Helper Leaves
❌ If the helper’s contract ends due to serious illness, death, or permanent disability:
✅ You may claim for re-hiring or termination-related expenses.