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Protect Your Helper With Affordable And Comprehensive Coverage With Income’s Domestic Helper Insurance

Posted on 15 July, 2025 | By Sassy Mama
Family LifePost Category - Family LifeFamily Life - Post Category - Domestic HelpersDomestic Helpers
income domestic helper insurance
Family LifePost Category - Family LifeFamily Life - Post Category - Domestic HelpersDomestic Helpers

Looking after the one who provides an additional pair of hands around the house just makes sense. Income’s Domestic Helper Insurance lets you do just that with affordable premiums and comprehensive protection.

Between juggling work deadlines, sorting out the kids’ meals, and caring for elderly parents, there’s only so much we can fit into a 24-hour day. For many families in Singapore, having a domestic helper makes a world of difference. But have you thought about what happens if she falls sick or has an accident? That’s why it is important to get insurance protection for your helper. With Income’s Domestic Helper Insurance, you can give her comprehensive protection at affordable premiums.

Comprehensive coverage plans to suit your needs

income domestic helper insurance

Your helper is probably a reliable right-hand woman at home who helps you juggle everything life throws your way. Whether you’re looking for essential protection or more comprehensive coverage, Income’s Domestic Helper Insurance has a range of options to suit your needs. The Basic Plan offers peace of mind with coverage for personal accidents, hospitalisation, personal liability, and outpatient medical expenses due to injury. It also includes hospitalisation coverage for pre-existing medical conditions if your helper has been working in Singapore as a foreign domestic helper for more than 12 months in a row.

For families who want a higher level of assurance, the Standard or Enhanced Plan provides added benefits. These include coverage for certain expenses if you need to stop employing your helper due to a serious sickness or serious injury, as well as wage compensation of up to 30 days if she’s unable to carry out her duties due to hospitalisation.

Keeping your domestic helper protected while she works for your family

income domestic helper insurance

Accidents can happen anytime, in and outside the home. If your helper is injured in a personal accident, Income’s Domestic Helper Insurance offers coverage of up to $80,0001, along with local and emergency overseas hospitalisation2 benefits, including coverage for COVID-193!

In addition, with a Letter of Guarantee4, you won’t need to worry about making an upfront payment for eligible hospitalisation expenses because the hospital will bill Income Insurance directly, and you can focus on your helper’s recovery. With the MediPass app5, doctor visits are also now easier on your wallet, with a preferential rate for general practitioner consultations which start from just $13.086, and mandatory six-monthly medical check-ups start from $21.806!

At the end of the day, your helper isn’t just an employee, she’s the quiet force that keeps your household moving. Insuring her with Income’s Domestic Helper Insurance gives you peace of mind and shows that you’re looking out for her. With affordable premiums, Income’s Domestic Helper Insurance gives her the protection she deserves and protects your wallet from surprises.

Check out their latest promotions here.

 

Income Insurance, www.income.com.sg

Brought to you in partnership with Income Insurance Limited (“Income Insurance”).
Important Notes
Policy Ts&Cs apply.
1. This benefit limit is applicable under Enhanced Plan coverage. The accidental death or permanent disability suffered by your helper due to an injury must happen within 12 months from the date of the accident. The amount of benefit payable is subject to the scale of compensation in the policy contract.
2. The final claim amount you will receive depends on the relevant pro ration factor applicable to the eligible hospital and surgical expenses being claimed. Please refer to the policy conditions for the pro ration factor table.
3. For cover of inpatient hospital and surgical expenses only. Please refer to the policy conditions for more details.
4. This Letter of Guarantee (LOG) service is only applicable if your domestic helper is hospitalised at a Singapore government-restructured hospital. The LOG limit will be $60,000 per year. The LOG amount issued will depend on the actual hospital bill and is subject to our policy terms and conditions and individual hospital guidelines.
5. The application (“App”) is owned, hosted and managed by MY-INSURER PTE LTD, a service provider of Income Insurance Limited (“Income Insurance”). No joint venture, sponsorship, tie-up, agency or any other relationship is intended or created between Income Insurance and the service provider. Income Insurance may, from time to time, change the service provider or terminate this service without prior notice. Income Insurance is not responsible for the contents of the App, the consequences of accessing the App, any transaction in the App or the services provided in the App. The App, the service and the benefits therein are not part of any insurance policy. Under no circumstances shall Income Insurance be liable to any policyholder or party, whether in contract, tort (including negligence) or otherwise, for any liabilities, losses, damages, claims, costs and expenses (including any special or consequential damages or losses) directly or indirectly in connection with, related to or resulting from the App.
6. For GST- registered panel clinics only. Cost is inclusive of 9% GST.
This article is for general information only and does not constitute an offer, recommendation, solicitation or advice to buy or sell any product(s). You should seek advice from a qualified advisor if in doubt. Buying insurance that is not suitable for you may impact your ability to finance your future insurance needs. Precise terms, conditions and exclusions of the insurance product mentioned in this article are found in the policy contract. This plan is underwritten and issued by Income Insurance. 
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 Income Insurance or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg)
Information is correct as at 23 June 2025. Images sourced from istock.com.

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