Maid Insurance
in Malaysia
Maid Insurance in Malaysia
Maid insurance in Malaysia is a mandatory requirement designed to protect foreign domestic helpers and reduce financial risk for employers. This page explains what maid insurance is, why it is required, what it covers, and how it supports immigration compliance.
What Is Maid Insurance
Maid insurance refers to insurance policies required for foreign domestic helpers, including hospitalisation and surgical coverage, personal accident protection, and repatriation benefits. These policies are mandated by Malaysian Immigration as part of work permit issuance and renewal.
Why Maid Insurance Is Mandatory in Malaysia
Maid insurance is mandatory not only to protect against medical and financial risks, but also to support overall legal compliance. Depending on the employer’s status, domestic helpers may also fall under SOCSO for maids in Malaysia, which provides statutory protection separate from private insurance coverage.
Immigration Compliance
Malaysian Immigration requires employers to purchase approved insurance policies before issuing or renewing a maid’s work permit. Without valid insurance, permit applications may be rejected.
Employer Financial Protection
Maid insurance protects employers from unexpected medical bills, repatriation costs, and liability risks that may arise during employment.
Types of Maid Insurance Required
Hospitalisation and Surgical Insurance (SPIKPA or FWHS)
Insurance Guarantee (IG)
Domestic Maid Personal Accident Insurance
This insurance covers hospitalisation and surgical expenses for foreign domestic helpers during their employment period.
Insurance Guarantee is a mandatory financial bond required by Immigration to cover repatriation and compliance-related risks.
Optional but recommended coverage that provides compensation for accidental death or permanent disability.
What Maid Insurance Typically Covers
- Hospitalisation and surgery expenses
- Accidental death and permanent disability
- Repatriation costs
- Weekly income benefits during recovery
- Employer liability coverage in selected plans
Employers must ensure that maid insurance remains valid throughout the employment period. Expired or insufficient coverage can directly affect maid permit renewal in Malaysia, as insurance documents are reviewed during the renewal process.
Frequently Asked Questions (FAQs)
Yes. Insurance such as hospitalisation coverage and insurance guarantee is mandatory for foreign domestic helpers under Malaysian Immigration regulations.
Maid insurance is usually valid for one year and must cover the full duration of the maid’s work permit.
Insurance must meet Immigration requirements. Not all policies qualify, so employers should use approved insurers or authorised agents.
No. Maid insurance and SOCSO serve different purposes. Both may be required depending on employment circumstances.
Expired insurance can result in failed permit renewal and possible immigration penalties.