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Frequently asked questions

Why is the policy cover for 14 or 26 months when MOM only issues a 12 or 24 months work permit?

The additional 2 months cover is mandated by MOM against any unforeseen circumstances for which the domestic worker may have to remain in Singapore as required by MOM after her work permit expires.  This is to ensure she has valid insurance cover.

Can I purchase the S$5,000 Guarantee without the insurance cover?

No, the Guarantee is included as a package and not sold separately.

Can I still opt for Reimbursement of Indemnity cover after the policy commences?

Yes, you can add in the cover within the first 15 days from the issuance of the policy.

What is Reimbursement of Indemnity option?

For a small additional premium, you can reduce your S$5,000 bond liability to S$250 if breaching of the bond is not due to your fault or negligence.

What should be the effective date of the policy?

• For New Maid – Around the date when your maid is due to arrive in Singapore.
• For Transferred Maid – The day you wish to apply for issuance of her work permit at MOM.
• For Renewal Maid – The current work permit’s expiry date.

When will the insurance guarantee be transmitted to Ministry of Manpower (MOM)?

It  will be electronically transmitted to MOM from Monday to Friday at 5pm and on Saturday at
12noon.

Please note that the electronic transmission to MOM must be done before arrival of your
domestic worker to Singapore, failing which Immigration and Checkpoints Authority will deny
entry to your domestic worker and she will be repatriated to her home country.

Employers or Agents are required to check for successful bond transmission via Work Permit
Online Portal (WPOL) before arranging for the arrival of your domestic worker.

For renewal cases, transmission will be done on the day of policy issuance. You may renew your
domestic worker’s work permit the next working day after successful transmission.

How can I make payment?

For purchases via our website and over the phone, we offer the convenience of payment through interbank transfer.

If you visit our office to arrange the insurance, you can pay with cash or cheque.

How do I apply for Foreign Domestic Maid Insurance Package?

Application can be done

• Via our website, or
• Call us at 65336113, or
• Visit our office.

How do I make a claim?

You can submit the completed claim form with the required supporting documents by mail or by hand to ERGO Insurance Pte. Ltd. , 5 Temasek Boulevard #04-01 Suntec Tower Five Singapore 038985

For any enquiries, you may contact ERGO Insurance Pte. Ltd. at 68299199.

How do I cancel the Foreign Domestic Maid Insurance policy which I have taken up?

You may contact or email our office upon receipt of Discharge Letter from MOM. 

Do I get a refund for cancellation?

We will provide refund for policies cancelled within 12 months.

If the policy is cancelled

• Within 3 months from the commencement of the Period of Insurance, the refund shall be 70% subject to no claim made under the Policy;
• Within 6 months from the commencement of the Period of Insurance, the refund shall be 30% subject to no claim made under the Policy;
• Within 12 months from the commencement of the Period of Insurance, the refund shall be 15% subject to no claim made under the Policy;
• After 12 months from the commencement of the Period of Insurance, there will be no refund or endorsement to be issued.

Am I still liable to pay the S$5,000 Security Bond to MOM if I have already purchased the Guarantee?

No, you need not.

The insurance company, ERGO Insurance Pte. Ltd., acts as a guarantor by providing a Letter of Guarantee to MOM on behalf of you - the employer.  In the event that the employer or domestic worker breached the MOM’s rules and conditions, MOM will call up the bond from ERGO for which they will recover from you.

 

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