SmartHelper provides comprehensive coverage that extends to protect you and your domestic helper beyond the requirements of Ministry of Manpower.

What is Covered

  • 24-hour Worldwide Personal Accident Cover

    Covers your domestic helper for loss of life and permanent disability anywhere in the world except when on home leave.

  • Covers for Hospitalisation 
and Surgery

    Pays up to S$20,000 for her hospitalisation and surgical charges incurred in Singapore (including day surgery).

  • Personal Liability Cover

    Indemnifies you up to S$5,000 for your domestic helper’s legal liability to third parties.

  • Personal Belongings Reimbursement

    Covers up to S$10,000 for lost or damaged belongings

  • Critical Illness Cover

    Pays up to S$3,000 if she suffers from a critical illness.

  • Repatriation Cover

    Indemnifies you the full cost of repatriation of your domestic helper to her home country, in the event of death or permanent disablement.

Types of Helper Plans

Standard

Letter of Guarantee

S$5,000

(to Ministry of Manpower)

(to Ministry of Manpower)

Personal Accident

up to S$121,000

Accidental Death or Permanent Disablement*

*only Compre-Plus and Ultimate Plus policies cover death or permanent disablement due to any cause, including suicide and/or unexplained causes.

up to S$60,000

up to S$60,000

up to S$60,000


Medical Expenses

up to S$1,000

up to S$2,000

up to S$3,000


TCM Expenses (per accident)

N/A

up to S$150

up to S$200

Accidental Death or Permanent Disablement*

*only Compre-Plus and Ultimate Plus policies cover death or permanent disablement due to any cause, including suicide and/or unexplained causes.

up to S$60,000


Medical Expenses

up to S$1,000


TCM Expenses (per accident)

N/A

Repatriation Expenses

Unlimited**

*when services are provided by our appointed emergency medical assistance provider, otherwise the limit of liability is S$3,000.

*when services are provided by our appointed emergency medical assistance provider, otherwise the limit of liability is S$3,000.

Hospitalisation & Surgical

S$15,000

Out-patient Kidney Dialysis and/or Cancer Treatment

N/A

Critical Illness

N/A

Wages Reimbursement

N/A

Re-hiring expenses

N/A

Domestic Helper's Liability

N/A

Special Grant

N/A

Compre-Plus

Letter of Guarantee

S$5,000

(to Ministry of Manpower)

(to Ministry of Manpower)

Personal Accident

up to S$122,150

Accidental Death and Permanent Disablement*

*only Compre-Plus and Ultimate Plus policies cover death or permanent disablement due to any cause, including suicide and/or unexplained causes.

up to S$60,000

up to S$60,000

up to S$60,000


Medical Expenses

up to S$2,000

up to S$2,000

up to S$3,000


TCM Expenses (per accident)

up to S$150

up to S$150

up to S$200

Accidental Death and Permanent Disablement*

*only Compre-Plus and Ultimate Plus policies cover death or permanent disablement due to any cause, including suicide and/or unexplained causes.

up to S$60,000


Medical Expenses

up to S$2,000


TCM Expenses (per accident)

up to S$150

Repatriation Expenses

Unlimited**

**when services are provided by our appointed emergency medical assistance provider, otherwise the limit of liability is S$3,000.

**when services are provided by our appointed emergency medical assistance provider, otherwise the limit of liability is S$3,000.

Hospitalisation & Surgical

S$15,000

Out-patient Kidney Dialysis and/or Cancer Treatment

S$1,000

Critical Illness

S$1,000

Wages Reimbursement

up to S$30 per day

Re-hiring expenses

S$500

Domestic Helper's Liability

S$3,000

Special Grant

S$2,000

Ultimate Plus

Letter of Guarantee

S$5,000

(to Ministry of Manpower)

(to Ministry of Manpower)

Personal Accident

up to S$123,200

Accidental Death and Permanent Disablement*

*only Compre-Plus and Ultimate Plus policies cover death or permanent disablement due to any cause, including suicide and/or unexplained causes.

up to S$60,000

up to S$60,000

up to S$60,000


Medical Expenses

up to S$3,000

up to S$2,000

up to S$3,000


TCM Expenses (per accident)

up to S$200

up to S$150

up to S$200

Accidental Death and Permanent Disablement*

*only Compre-Plus and Ultimate Plus policies cover death or permanent disablement due to any cause, including suicide and/or unexplained causes.

up to S$60,000


Medical Expenses

up to S$3,000


TCM Expenses (per accident)

up to S$200

Repatriation Expenses

Unlimited**

**when services are provided by our appointed emergency medical assistance provider, otherwise the limit of liability is S$3,000.

**when services are provided by our appointed emergency medical assistance provider, otherwise the limit of liability is S$3,000.

Hospitalisation & Surgical

S$20,000

Out-patient Kidney Dialysis and/or Cancer Treatment

S$3,000

Critical Illness

S$3,000

Wages Reimbursement

up to S$30 per day

Re-hiring expenses

S$500

Domestic Helper's Liability

S$5,000

Special Grant

S$3,000

Add-Ons to Consider

Don’t leave anything to chance
    Security Bond Protector
    Security Bond Protector
    Reimburses the Insured for the loss of the security bond, if forfeited due to the maid's fault subject to an excess of S$250 (if applicable).
    Top-Up Cover for Hospitalisation & Surgical
    Top-Up Cover for Hospitalisation & Surgical
    Increase the annual limit in blocks of S$5,000, up to the sum insured of the existing policy.
    Psychiatric Care
    Psychiatric Care
    Covers psychiatric treatment by a registered psychiatrist as an inpatient in a hospital.
    Dental Care
    Dental Care
    Covers dental expenses arising from tooth decay resulting in an oral cavity.

Policy Information and More

All you need to know

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Alternatively, you can speak to us.

SINGAPORE HOTLINE: 1800 880 4888
INTERNATIONAL HOTLINE: +65 6880 4888

Operating hours: 9am to 5.30pm
(Monday – Friday)

If you prefer to send us an email

Feel free to drop by

Operating hours: 9am to 5.30pm
(Monday – Friday)

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IMPORTANT NOTICE

This insurance plan is underwritten by AXA Insurance Pte Ltd. The information featured in this website is published for general information only and is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract. A product summary for the insurance plan is available and may be obtained from AXA Insurance Pte Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the plan.

You may wish to seek advice from a qualified adviser before making a commitment to purchase the insurance plan. In the event that you choose not to seek advice from a qualified adviser, you should consider whether the plan in question is suitable for you.

The insurance plans featured in this website may be protected under the Policy Owners' Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for such plans are automatic and no further action is required from you should you buy the plan. For more information on the types of benefits that are covered under the Policy Owners' Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at www.axa.com.sg or visit the LIA, GIA or SDIC websites (www.lia.org.sg, www.gia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme.

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