Can Maid Insurance Help You Save Money in the Long Run?

Can Maid Insurance Help You Save Money in the Long Run?

According to the Ministry of Manpower, there are 246,300 foreign domestic workers working in Singapore as of January 2022, comprising almost 20.5% of the foreign workforce in the country. Not only that, as the demand for foreign domestic workers grow, their bargaining power also has been growing as well, translating into higher salaries and better protection through comprehensive insurance packages.

In addition to paying their monthly salaries, Singaporean households also have to consider the costs of hiring them, providing for the helpers’ day-to-day living expenses, and also getting them a good insurance policy. So, what are the exact costs of hiring a foriegn domestic worker, and is the mandatory maid insurance policy just an extra financial burden? How much should you be earning to comfortably afford hiring a foreign domestic worker? We answer all of these questions below.

How Much Does It Cost to Hire a Foreign Domestic Worker?

According to our research, it costs about S$1,434 in one-time fees just to hire a maid foreign domestic worker. Most households hiring a helper for the first time usually go through maid agencies as they take care of all the paperwork and can also help out with mediation if things do not work out between you and your new FDW.

Hiring a helper on your own is definitely cheaper, but you have to be prepared to handle the application process and might have no recourse in case you need to change the hired help.

One-Time Fees

Average Cost

Maid Agency Fee


Work Permit Application


Work Permit


Settling-in Programme


Employer’s Orientation


Initial Medical Examination


Inoculation (optional)




Typically, you can expect to spend another S$1,200 per month on various things like salary, insurance and living expenses….

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