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Key benefits of Go-Helper Insurance an Etiqa MDW insurance product

By December 11, 2023No Comments

Protect your MDW with the right coverage while safeguarding against unexpected expenses and liabilities as an employer!


  • Personal accident and Hospital & Surgical expenses cover for your MDW from $60,000
  • Optional add-on covers including TCM (per accident), 
  • Repatriation and Termination expenses of up to $20,000 and $1,000 respectively

Fully customisable plan



Sum Insured

Is this an optional add-on?

Security Bond $5,000 No
Personal Accident (Worldwide) Death/PD Based $60,000 to $100,000 (incremental at every $10,000) No
Hospitalisation & Surgical Expenses $60,000 to $200,000 (incremental at every $5,000) No
TCM Per Accident $100 – $200 (incremental at every $50) Yes
Hospital & Surgical Coinsurance Waiver N.A. Yes
Part-Time Helper Expenses $20 per day, up to 30 days Yes
Replacement Hire Expenses $1,000 – $5,000 (incremental at every $1,000) Yes
Hospitalisation Medical Leave Expenses $30 per day, up to 30 days OR

$30 per day, up to 60 days

Termination Expenses $250 – $1,000 (incremental at every $250) Yes
Repatriation Expenses $2,500 – $20,000 (incremental at every $2,500) Yes
Domestic Helper Liability $100,000 Yes
Waiver of Security Bond N.A. Yes
Outpatient Medical Expenses due to accident $500 – $10,000 (incremental at every $500)


Other useful information

  • Policy Wording can be found here

Frequently Asked Questions

What is the entry age of the MDW insurance policy?
The applicant must be at least 21 years of age, and the MDW must be at least 23 years of age on the start date of the policy.

What is the Ministry of Manpower (MOM)’s insurance requirement for hiring a MDW?
The MOM’s requirements include:

  • Security Bond of S$5,000.
  • Personal Accident cover of S$60,000 per year
  • Hospital & Surgical Expenses of at least S$60,000 per year (for policies with start date effective on or after 1 July 2023)

How does the Hospitalisation & Surgical Expenses work?
Employers will be reimbursed for the Hospitalisation and Surgical Expenses (including Day Surgery) incurred in Singapore due to Accident, Sickness or diseases sustained by the MDW. Under the new MOM’s requirements, you will need to co-pay 25% of the claim amount above the first S$15,000. Employers may purchase the optional add-on cover to waive off this co-payment.

How does the Termination / Re-hiring Expenses work?
Employers will be reimbursed for the agency fees of hiring a replacement MDW during the period of your MDW’s hospitalisation due to death or permanent disability. The replacement MDW must be hired within 30 days of the death or repatriation of your current MDW.

Will the MDW be covered when she returns to her home country for holiday?
The MDW insurance cover ceases from the time she leaves Singapore and resumes upon her return provided her work permit is not cancelled.

Why do I need 14/26 months of MDW insurance coverage and bond when my MDW’s work permit is only for 12/24 months?
This is a requirement by the Ministry of Manpower (MOM). For more information, please visit the MOM’s website.

How does Part-Time Helper Expenses work?
This benefit relieves an employer by reimbursing a fixed daily sum of up to 30 days for the cost of hiring alternative domestic help during the period of your MDW’s hospitalisation due to a covered injury or illness.

What is the difference between Medical Expenses benefit and Hospitalisation & Surgical Expenses benefit?
Medical Expenses (under Personal Accident protection) cover the cost of treatments (including out-patient treatment) due to accidents only. Hospitalisation & Surgical Expenses cover in-patient costs, including surgery, when your MDW is hospitalised due to illness or accident for up to 45 days.

Do I need to purchase a special performance bond to employ MDW from Indonesia?
The Indonesian Embassy in Singapore requires a S$6,000 performance bond as a condition to employ foreign domestic workers (FDWs) from Indonesia from February 2018. However, the Ministry of Manpower (MOM) does not require Employers to purchase a special performance bond as Singapore has a comprehensive regulatory framework to protect all foreign domestic workers (FDWs). Employers should consult their MDW employment agency if in doubt. Alternatively, employers can or refer to MOM’s website for more information.

I want to waive off the 25% co-payment needed for Hospitalisation & Surgical Expenses incurred. Is there an option for this?
Employers can take up the optional add-on, Waiver of co-insurance, to waive the 25% co-insurance for claims amount above the first S$15,000 incurred under the Hospitalisation and Surgical Expenses.

Find out more about Surer’s partnership with Etiqa and the Go-Helper Insurance product here >>>

This policy is underwritten by Etiqa Insurance Pte. Ltd. (Company Reg. No. 201331905K)

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy 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 Etiqa or visit the General Insurance Association (GIA) or SDIC websites ( or

Information is accurate as at 7 December 2023.

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