AIG Maid Insurance Review (2024): Domestic Helper Plan With Personal Accident Cover

AIG Domestic Helper Insurance offers personal accident protection and medical benefits for maids, while buffering employers against potential financial burdens. Here’s how the plan works, and why you should consider it.

Our domestic helpers play an essential role in many Singaporeans’ lives, taking care of our homes and loved ones. Surely they deserve to be well-taken care of in return?

Of course they do. Which is why employers should take a closer look at AIG Domestic Helper Insurance, which offers a mix of helpful key benefits that protect both employer and helper. Read on to find out. 

Table of contents

• Pros and cons of AIG Domestic Helper Insurance
• Key features
• Important exclusions of the plan
• Tiers and premiums
• Latest promotions
• How to claim

Pros and cons of AIG Domestic Helper Insurance

Key features of AIG Domestic Helper Insurance

#1: Worldwide personal accident coverage for your domestic helper

This plan provides personal accident coverage of up to S$60,000 for your domestic helper on a worldwide basis.

This means not only your helper will be covered while out and about in Singapore, but also when accompanying you on an overseas trip.

#2: Waiver of security bond (add-on)

Like its peers, the AIG Domestic Helper Insurance offers a security bond benefit – this means that you do not have to put up the bond required by the authorities out of your own pocket when hiring a helper. Instead, AIG will cover the bond for you, most likely through a Letter of Guarantee.

This security bond is triggered should an employer or domestic helper violate the terms of employment. Note that this applies even if your helper breaks the law on her own accord; you will have to pay the sum of the bond to AIG, even if you weren't aware of your maid’s misbehaviour.

However, you can opt to purchase an add-on that relieves you of this financial responsibility, meaning AIG will absorb the cost of the bond entirely.

This isn’t a licence to be cavalier about where and how you make your helper work though. You can still be subject to fines and other actions by the Ministry of Manpower if you’re found to have flouted the rules.

#3: Part-time helper cover

Should an injury or illness cause your maid to temporarily be unable to work, you’ll probably need to hire a part-time helper to take over.

You can claim up to S$500 to help offset this added expense, but note that this benefit isn’t included in the Classic plan.

In addition, there are several other useful benefits that help make up for potential financial fallout that could arise. For instance, you can claim $30 per day for salary and levy costs for the duration your helper is unable to work.

Another is the termination expense benefit of up to S$500, in case you're required to buy your helper a plane ticket home.

#4: Home contents cover of up to S$30,000

Further extending the utility of the plan is its Employer’s Content benefit (essentially, coverage for your home contents and personal belongings) of up to S$30,000.

This allows homeowners to achieve an additional layer of coverage for their belongings. However, do note that there is a S$100 excess for each claim.

In addition, there’s a separate benefit that covers your helper’s personal belongings, up to S$4,500.

Important exclusions to note

Take note of the following exclusions in AIG Domestic Helper Insurance. For the full list of exceptions, refer to the policy document.

The policy does not cover:

• Expenses incurred as a result of a pre-existing condition (unless the insured has been working as a domestic helper in Singapore for 12 months or more)
• Expenses for out-patient treatment and/or non-medical expenses
• Medical Expenses for treatments, medical services or supplies incurred more than 180 days from the date of first treatment
• Loss or damage arising from electrical or mechanical breakdown (such as fridge contents spoiling due to a faulty fridge)

Who is AIG Domestic Helper Insurance best for?

AIG Domestic Helper Insurance provides key insurance coverage for both employer and domestic worker. It is designed to help alleviate employers of the hefty financial burden that can occur should anything untoward happen to your maid while under your employment.

It is also notable that the plan offers up to S$30,000 cover for employer’s contents (i.e., your home belongings) against common perils such as fire, smoke and water damage, or damage or loss on account of vehicular accident, malicious acts or theft.

This makes the plan a solid option for those who also seek protection for their home contents, in addition to insuring their domestic worker.

Plan tiers, premiums and latest promotions

There are two things to pay attention to when deciding upon a plan tier.

Firstly, all tiers come with security bond cover, and worldwide personal accident cover for your maid, so there’s a basic level of protection no matter which plan you choose.

Secondly, the Classic plan is lacking in several useful benefits, including for hiring a part-time helper while your maid recuperates, liability cover for any damage or loss attributed to the actions of your domestic helper, and termination expenses – the last one is good for when you need to pay for an air ticket to send your domestic worker back to her home country.

As such, the Classic plan is unlikely to fully fulfil the needs of most employers. Thankfully, the next higher tier, Superior, offers a full suite of benefits at just a slight bump in cost.

The other two plans – Elite and Premier – offer higher coverage levels, but no additional benefits. Consider them if you have the budget to spare and want more coverage.

How much does AIG Domestic Helper Insurance cost?

Here’s how much it costs to insure a domestic worker from Indonesia, aged 24. There are no optional add-ons included.

You’d notice that the difference in premiums between the 14-month and 26-month terms is smaller than expected – the former costs roughly 70% of the latter, instead of 50%.

As such, you’ll get better value for signing up for a 26-month plan, something to note if you’re happy with your current helper and want to enrol her onto this plan.

What promotions are there for AIG Domestic Helper Insurance?

At the time of writing, there aren’t any promotions for AIG Domestic Helper Insurance. We’ll update this section if we find any future.

How to claim?

If you need to make a claim under your AIG Domestic Helper Insurance policy, here’s what you need to do:

• Have your policy number on hand
• Prepare supporting documents, if any
• Go to AIG’s Personal Accident claims page at https://www.aig.sg/personal-claims/pa-health-claim
• Click on the Submit Online button
• Follow the on-screen prompts
• Alternatively, you may also submit your claims via
• Email: ClaimsAdminSupport@aig.com
• Post: Claims Department, AIG Asia Pacific Insurance Pte. Ltd., AIG Building, 78 Shenton Way, #09-16, Singapore 079120

If you require help, call the enquiries hotline at 6419 3000.

AIG has also won the best customer service week for the year of 2022 – 2023, so you can rest assured knowing that you'll enjoy a seamless claims process!