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Lonpac Insurance Domestic Maid Insurance

Comprehensive cover for your domestic maid at competitive rates to help you fulfil your obligations as a responsible employer.

Date of Birth  *

Plan Duration

No refund of premium for 14 months policy

Plan Name

Section Schedule of Benefits Plan A
 Plan B
 Plan C
1. Letter of Guarantee – Security Bond to Ministry of Manpower S$5,000 S$5,000 S$5,000

2.

a.

 

b.

 

c.

 Personal Accident Accidental Death S$60,000 S$60,000 S$60,000
Permanent Disablement As per scale in Policy As per scale in Policy As per scale in Policy
Medical Expenses S$1,000 S$3,000 S$3,000

3.

a.

 

 

b.

 Hospital & Surgical Expenses
In-Patient Expenses (Including Day Surgery)
 S$120,000
(S$60,000 Per Year)		 S$120,000
(S$60,000 Per Year)		 S$160,000
(S$80,000 Per Year)
Co-Payment For portion of the bill above first $15,000 (per year) 25% NIL 25%
4. Wages & Levy Reimbursement (Maximum 60 Days) Up to S$30 per day Up to S$30 per day Up to S$30 per day
5. Repatriation Expenses
(Extends to cover suicide under Plan B & C up to $3,000)*		 S$10,000 S$10,000 S$10,000
6. Re-Hiring expenses due to Accidental Death & Permanent Disablement S$500 S$500 S$500
7. Domestic Helper’s Liability S$5,000 S$25,000 S$25,000
8. Representation and Defence for the Insured NIL S$5,000 S$5,000
9. Termination Expenses S$600 S$700 S$800
10. Fire Insurance (First Loss) On Contents S$5,000 S$40,000 S$40,000
11. Burglary Insurance (First Loss) On Contents NIL S$10,000 S$10,000
PREMIUM
Bond & Insurance (26 Months) Age 50 and Below S$490 S$598 S$625
Age 51 to 65 (Last entry age) S$838 S$1004 S$1,047
Bond & Insurance (14 Months)
No refund upon cancellation		 Age 50 and Below S$351 S$420 S$437
Age 51 to 65 (Last entry age) S$587 S$704 S$733

 

OPTIONAL COVER
Reimbursement of Indemnity Paid to Insurer
Sum Insured: S$5,000 (Excess: S$250)		 Premium: S$54.00 (26 Months)
Premium: S$43.00 (14 Months)

Premiums stated above are inclusive of GST (if applicable) and subject to changes without prior notice.


POLICY CANCELLATION & REFUND (Only applicable for 26 months policy)

In the event of termination of the domestic maid's employment contract or Work Permit with the Employer in Singapore, cover ceases automatically from the date of the Letter of Discharge from the Ministry of Manpower.

If the Policy is cancelled

  • Within 3 months from the Commencement of the Period of Insurance, the refund shall be 70%.
  • Within 6 months from the Commencement of the Period of Insurance, the refund shall be 30%.
  • Within 12 months from the Commencement of the Period of Insurance, the refund shall be 15%.
    The above refund is subject to no claim made under the Policy.
  • After 12 months from the Commencement of the Period of Insurance, there shall be no refund or endorsement to be issued. There will be no refund for 14 months policy upon cancellation.

Pre-Contract Disclosure for Medical Insurance Plans - Lonpac Domestic Maid Insurance

This product provides coverage for the following features that comply with the Ministry of Manpower’s (MOM) enhanced Medical Insurance requirements 1

Annual claim limit of at least $60,000, inclusive of a first-dollar cover of $15,000 Yes
For portion of the bill above $15,000, the employer must co-pay up to 25% (to the hospital) Yes
Exclusions are in line with MOM’s list of allowable exclusions2 No
Age-differentiated premiums are in 2 age bands: (1) <50 years old and (2) >50 years old Yes
Insurers will reimburse our portion of the hospital bill to hospitals directly upon admissibility of the medical claim No

1 Click here for MOM’s press release on the enhanced medical insurance.
2 Annex for list of allowable exclusions applying to all MI policies, renewals or extensions that have a start date effective on or after 1 July 2025.

Extensions:
* Repatriation Expenses extend to include death or permanent disablement from suicide.

For full policy details, please refer to our website: https://www.insureasia.com.sg

Why is the policy cover for 14 or 26 months when MOM only issues a 12 or 24 months work permit?

The additional 2 months cover is mandated by MOM against any unforeseen circumstances for which the domestic worker may have to remain in Singapore as required by MOM after her work permit expires.  This is to ensure she has valid insurance cover.

No, the Guarantee is included as a package and not sold separately.

Yes, you can add in the cover within the first 15 days from the issuance of the policy.

For a small additional premium, you can reduce your S$5,000 bond liability to S$250 if breaching of the bond is not due to your fault or negligence.

• For New Maid – Around the date when your maid is due to arrive in Singapore.
• For Transferred Maid – The day you wish to apply for issuance of her work permit at MOM.
• For Renewal Maid – The current work permit’s expiry date.

It  will be electronically transmitted to MOM from Monday to Friday at 5pm and on Saturday at
12noon.

Please note that the electronic transmission to MOM must be done before arrival of your
domestic worker to Singapore, failing which Immigration and Checkpoints Authority will deny
entry to your domestic worker and she will be repatriated to her home country.

Employers or Agents are required to check for successful bond transmission via Work Permit
Online Portal (WPOL) before arranging for the arrival of your domestic worker.

For renewal cases, transmission will be done on the day of policy issuance. You may renew your
domestic worker’s work permit the next working day after successful transmission.

For purchases via our website and over the phone, we offer the convenience of payment through interbank transfer.

If you visit our office to arrange the insurance, you can pay with cash or cheque.

Application can be done

• Via our website, or
• Call us at 65336113, or
• Visit our office.

You can submit the completed claim form with the required supporting documents by mail or by hand to Lonpac Insurance Bhd , 300 Beach Road #17-04/07 The Concourse Singapore 199555

For any enquiries, you may contact Lonpac Insurance Bhd at 62507388

You may contact or email our office upon receipt of Discharge Letter from MOM. 

We will provide refund for policies cancelled within 12 months.

If the policy is cancelled

• Within 3 months from the commencement of the Period of Insurance, the refund shall be 70% subject to no claim made under the Policy;
• Within 6 months from the commencement of the Period of Insurance, the refund shall be 30% subject to no claim made under the Policy;
• Within 12 months from the commencement of the Period of Insurance, the refund shall be 15% subject to no claim made under the Policy;
• After 12 months from the commencement of the Period of Insurance, there will be no refund or endorsement to be issued.

No, you need not.

The insurance company, Lonpac Insurance Bhd, acts as a guarantor by providing a Letter of Guarantee to MOM on behalf of you - the employer.  In the event that the employer or domestic worker breached the MOM’s rules and conditions, MOM will call up the bond from Lonpac for which they will recover from you.

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