When Your Helper Gets Sick: A Singapore Employer's Guide to Medical Care, Insurance & Leave

Medical emergencies involving your domestic helper can be stressful. As an employer in Singapore, you have specific legal obligations — knowing them before an emergency happens will save you worry, money, and conflict.

Your Legal Obligations

Employers must provide and bear the cost of: outpatient treatment at clinics, hospitalisation costs, and prescribed medications. A valid medical insurance policy must be maintained at all times.

Insurance Requirements

Mandatory (MOM)

• Minimum $60,000/year hospitalisation and surgical coverage

• Must cover pre-existing conditions (possible waiting periods)

• From a Singapore-licensed insurer

Recommended Additional

• $100k-$200k for serious illness. $500-$1,000 outpatient coverage.

• Personal accident insurance and repatriation insurance.

Sick Leave Entitlement

14 days paid outpatient sick leave per year. 60 days paid hospitalisation leave per year (including 14 days outpatient). MC-certified days cannot be salary-deducted.

Clinic vs Hospital Guide

Clinic ($30-$80): Fever, flu, cuts, rashes, stomach upsets, check-ups

A&E ($150-$500+): High fever >39C, severe injuries, breathing difficulty, allergic reactions

Mental Health

Helpers are at higher risk for depression and anxiety due to homesickness and isolation. Look for: appetite/sleep changes, withdrawal, crying, low energy. Seek professional help early.

"A healthy helper is a productive helper. Invest in her medical care and mental well-being."

Need Insurance Advice?

Contact iHome Agency. We help select the right plan and advise on MOM compliance.