Following the successful application/renewal of Work Permit for your foreign domestic helper, the Immigration Department would require you to:

• Submit a security deposit of S$5,000. This can be in the form of Cash, Banker’s or Insurance Guarantee.
• Provide Personal Accident insurance and medical benefits (including medical treatment and hospitalisation expenses) for your domestic helper.

SmartHelper is managed by AXA's authorised underwriting agent, Anda Insurance Agencies Pte Ltd, a pioneer in arranging insurance schemes for domestic helpers in Singapore.
 

Essential Covers

SmartHelper covers domestic helpers from Malaysia, Philippines, Indonesia, Thailand, Myanmar, Sri Lanka, India and Bangladesh, these countries are sources approved by the Ministry of Manpower. This insurance protection fully complies with the Philippine Embassy's requirements.

Summary of the essential covers for a period of 26 months:

1. Insurance Guarantee

The Insurance Guarantee replaces the S$5,000 security deposit to be submitted to the Controller of Immigration. To issue this guarantee:

• a Letter of Indemnity is to be executed by you, the employer.
• if you are a foreigner, a local referee is required. Referee can either be a Singaporean/permanent resident or an acceptable company in Singapore. The referee will assist the Insurer to contact the employer should the need arises.

2. Personal Accident Insurance for your Domestic Helper

24-hour worldwide cover (except when on home leave) for death and permanent disability resulting from an accident. This includes reimbursement of medical expenses incurred for treatment of accidental injury.

3. Repatriation Expenses

Full reimbursement of cost to repatriate your domestic helper to her home country, in the event of death or permanent disablement, due to any cause including suicide, natural or unexplained causes, etc.
Repatriation services must be provided by HENG-GREF Medical Supplies & Services Pte Ltd, otherwise, the limit for this cover of S$3,000 will apply.

4. Hospitalisation & Surgical Expenses

Reimbursement of all charges necessarily incurred by your domestic helper as an In-patient in any Singapore government/restructured hospital.

5. Wages Reimbursement

Should your domestic helper be hospitalised as per (4) above, her salary will be reimbursed for the actual period of the hospitalisation up to S$30 per day for a maximum period of 60 days.

6. Re-Hiring Expenses

We will reimburse the Insured the agency fees incurred in hiring a replacement domestic helper up to $500 as a result of termination of the Insured's services following death or permanent disablement of the Insured Person as a result of an accident and/or illness.

7. Security Bond Protection

We will reimburse the Insured up to the amount in the schedule if during the period of insurance the Insured’s Letter of Guarantee, which has been effected in lieu of the security deposit required by the Controller of Immigration, is forfeited due to any breach by the domestic maid of the conditions of the Security Bond imposed by the Controller under Regulation 21 of Chapter 133 of the Immigration Act, including her unexplained disappearance.

^{Note: The above is just a summary of how SmartHelper can help you. It does not describe all of the benefits available, nor does it show all the sums insured and what is not covered.}

Schedule of Benefits & Premium

Section	Insurance Coverage	Type of plan
		New Standard Package	New Compre- Plus Package #	New Ultimate Plus Package #
1	Letter of Guarantee to Ministry of Manpower	5,000	5,000	5,000
2	Personal Accident   (a) Accidental Death (b) Permanent             Disablement (c) i) Medical         Expenses      ii) TCM      Treatment      (Per Accident)	40,000 40,000 1,000 N.A.	40,000 40,000 2,000 150	40,000 40,000 3,000 200
3	Repatriation Expenses	-Unlimited when services are provided by Heng-Gref Emergency Medical Assistance Pte Ltd &/or Nominated Service Provider, OTHERWISE the limit of liability is 3,000. # Only "Plus" Policies cover death or permanent disablement due to ANY CAUSE, including suicide and/or unexplained causes.
4	Hospitalisation & Surgical In-patient expenses including Day surgery Annual Limit	15,000	15,000	(WorldWide) 20,000
5	Out-patient Kidney Dialysis &/or Cancer Treatment	NA	1,000	3,000
6	Critical Illnesses	NA	1,000	3,000
7	Wages Reimbursement	NA	Up To 30 per day (Maximum 60 Days) of Hospitalisation;
8	Re-hiring Expenses	NA	500	750
9	Domestic Helper’s Liability	NA	3,000	5,000
10	Special Grant	NA	2,000	3,000
11	Security Bond Protector (SBP) (Optional Cover – Subject To Acceptance)	Reimburses the Insured for the Loss of the Security Bond, if forfeited due to the Maid's fault subject to an excess of $250 (if applicable).
Premium (Includes GST for 26 months)	Package	246.10	267.50	299.60
	Insurance Only	203.30	224.70	256.80
	Letter of Guarantee Only	107.00
	Security Bond Protector	a) If Taken With Any Package - 53.50 b) If Taken Within One Month Of A Package - 85.60 (Subject To A Waiting Period of 30 Days)
	Philippine Embassy Bond	a) 2,000 Bond - 42.80 b) 7,000 Bond - 74.90