{"id":12512,"date":"2020-10-12T02:59:03","date_gmt":"2020-10-11T18:59:03","guid":{"rendered":"https:\/\/www.helperchoice.com\/c\/maid\/healthcare\/"},"modified":"2026-03-24T02:43:55","modified_gmt":"2026-03-23T18:43:55","slug":"healthcare","status":"publish","type":"post","link":"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/","title":{"rendered":"FDW Healthcare in Singapore: Employer Responsibilities, Insurance, and MOM Medical Rule"},"content":{"rendered":"<p data-start=\"426\" data-end=\"568\"><em>Updated on 18 March 2026<\/em><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#Employer_Responsibilities_for_FDW_Healthcare\" >Employer Responsibilities for FDW Healthcare<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#Insurance_Requirements_2026_Update\" >Insurance Requirements (2026 Update)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#1_Medical_Insurance\" >1. Medical Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#2_Personal_Accident_Insurance\" >2. Personal Accident Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#3_Security_Bond_for_non-Malaysian_FDWs\" >3. Security Bond (for non-Malaysian FDWs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#Important_Notes\" >Important Notes<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#Discussing_Health_and_Safety_with_Your_Helper\" >Discussing Health and Safety with Your Helper<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#What_Employers_Should_Do\" >What Employers Should Do<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#Promote_a_Healthy_Environment\" >Promote a Healthy Environment<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#6-Monthly_Medical_Examination_6ME\" >6-Monthly Medical Examination (6ME)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#What_the_6ME_Covers\" >What the 6ME Covers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#Key_Requirements\" >Key Requirements<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#What_Happens_if_a_Helper_Fails_the_Medical_Exam\" >What Happens if a Helper Fails the Medical Exam<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#Employer_Responsibilities\" >Employer Responsibilities<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#Consequences_of_Not_Covering_Medical_Costs\" >Consequences of Not Covering Medical Costs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#Possible_Consequences\" >Possible Consequences:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#Important_Reminder_Ethical_Responsibility\" >Important Reminder: Ethical Responsibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#Best_Practices_for_Employers\" >Best Practices for Employers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/healthcare\/#Final_Thoughts\" >Final Thoughts<\/a><\/li><\/ul><\/nav><\/div>\n\n<p data-start=\"426\" data-end=\"568\">Hiring a domestic helper in Singapore comes with important responsibilities\u2014one of the most critical being healthcare and medical support.<\/p>\n<p data-start=\"570\" data-end=\"790\">Under current Ministry of Manpower (MOM) regulations, employers are legally required to ensure that their foreign domestic worker (FDW) receives proper medical care, insurance coverage, and regular health monitoring.<\/p>\n<p data-start=\"792\" data-end=\"944\">This guide explains your medical obligations as an employer, including insurance requirements, medical exams, and what to do if health issues arise.<\/p>\n<p data-start=\"792\" data-end=\"944\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-15974\" src=\"https:\/\/www.helperchoice.com\/c\/wp-content\/uploads\/2020\/10\/FDW-HEALTHCARE-IN-SINGAPORE.png\" alt=\"Fdw healthcare in singapore\" width=\"800\" height=\"550\" \/><\/p>\n<h2 data-section-id=\"193cgcd\" data-start=\"1253\" data-end=\"1300\"><span class=\"ez-toc-section\" id=\"Employer_Responsibilities_for_FDW_Healthcare\"><\/span>Employer Responsibilities for FDW Healthcare<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1302\" data-end=\"1396\">In Singapore, employers are responsible for all medical expenses of their domestic helper.<\/p>\n<p data-start=\"1398\" data-end=\"1412\">This includes:<\/p>\n<ul data-start=\"1413\" data-end=\"1497\">\n<li data-section-id=\"e8xz17\" data-start=\"1413\" data-end=\"1437\">\n<p data-start=\"1415\" data-end=\"1437\">Doctor consultations<\/p>\n<\/li>\n<li data-section-id=\"i203vf\" data-start=\"1438\" data-end=\"1457\">\n<p data-start=\"1440\" data-end=\"1457\">Hospitalization<\/p>\n<\/li>\n<li data-section-id=\"zrfbeb\" data-start=\"1458\" data-end=\"1472\">\n<p data-start=\"1460\" data-end=\"1472\">Medication<\/p>\n<\/li>\n<li data-section-id=\"z8veiu\" data-start=\"1473\" data-end=\"1497\">\n<p data-start=\"1475\" data-end=\"1497\">Follow-up treatments<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1499\" data-end=\"1602\">\u2757 Important:<br \/>\nEmployers <strong data-start=\"1522\" data-end=\"1582\">cannot deduct any medical costs from the helper\u2019s salary<\/strong>, even with consent.<\/p>\n<h2 data-section-id=\"1n0jelh\" data-start=\"1609\" data-end=\"1648\"><span class=\"ez-toc-section\" id=\"Insurance_Requirements_2026_Update\"><\/span>Insurance Requirements (2026 Update)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1650\" data-end=\"1711\">To reduce financial risk, MOM requires employers to purchase:<\/p>\n<h3 data-section-id=\"14ytm0\" data-start=\"1713\" data-end=\"1737\"><span class=\"ez-toc-section\" id=\"1_Medical_Insurance\"><\/span>1. Medical Insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"1738\" data-end=\"1919\">\n<li data-section-id=\"1u05442\" data-start=\"1738\" data-end=\"1817\">\n<p data-start=\"1740\" data-end=\"1817\">Minimum coverage: <strong data-start=\"1758\" data-end=\"1781\">SGD 60,000 per year<\/strong> <em data-start=\"1782\" data-end=\"1815\">(updated from older SGD 15,000)<\/em><\/p>\n<\/li>\n<li data-section-id=\"1jr0pl7\" data-start=\"1818\" data-end=\"1919\">\n<p data-start=\"1820\" data-end=\"1827\">Covers:<\/p>\n<ul data-start=\"1830\" data-end=\"1919\">\n<li data-section-id=\"fja21\" data-start=\"1830\" data-end=\"1848\">\n<p data-start=\"1832\" data-end=\"1848\">Inpatient care<\/p>\n<\/li>\n<li data-section-id=\"11yzert\" data-start=\"1851\" data-end=\"1866\">\n<p data-start=\"1853\" data-end=\"1866\">Day surgery<\/p>\n<\/li>\n<li data-section-id=\"8wgmx4\" data-start=\"1869\" data-end=\"1919\">\n<p data-start=\"1871\" data-end=\"1919\">Some outpatient treatments (depending on policy)<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 data-section-id=\"6zr83v\" data-start=\"1926\" data-end=\"1960\"><span class=\"ez-toc-section\" id=\"2_Personal_Accident_Insurance\"><\/span>2. Personal Accident Insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"1961\" data-end=\"1997\">\n<li data-section-id=\"146x6zk\" data-start=\"1961\" data-end=\"1997\">\n<p data-start=\"1963\" data-end=\"1997\">Minimum coverage: <strong data-start=\"1981\" data-end=\"1995\">SGD 60,000<\/strong><\/p>\n<\/li>\n<\/ul>\n<h3 data-section-id=\"9y3li1\" data-start=\"2004\" data-end=\"2049\"><span class=\"ez-toc-section\" id=\"3_Security_Bond_for_non-Malaysian_FDWs\"><\/span>3. Security Bond (for non-Malaysian FDWs)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"2050\" data-end=\"2075\">\n<li data-section-id=\"g189nr\" data-start=\"2050\" data-end=\"2075\">\n<p data-start=\"2052\" data-end=\"2075\">Amount: <strong data-start=\"2060\" data-end=\"2073\">SGD 5,000<\/strong><\/p>\n<\/li>\n<\/ul>\n<h3 data-section-id=\"1x5ej4z\" data-start=\"2082\" data-end=\"2101\"><span class=\"ez-toc-section\" id=\"Important_Notes\"><\/span>Important Notes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"2103\" data-end=\"2250\">\n<li data-section-id=\"10s1k8g\" data-start=\"2103\" data-end=\"2142\">\n<p data-start=\"2105\" data-end=\"2142\">Employers must pay <strong data-start=\"2124\" data-end=\"2140\">all premiums<\/strong><\/p>\n<\/li>\n<li data-section-id=\"1nqixx0\" data-start=\"2143\" data-end=\"2184\">\n<p data-start=\"2145\" data-end=\"2184\">Helpers are <strong data-start=\"2157\" data-end=\"2182\">not allowed to co-pay<\/strong><\/p>\n<\/li>\n<li data-section-id=\"1iee8rt\" data-start=\"2185\" data-end=\"2250\">\n<p data-start=\"2187\" data-end=\"2250\">Consider higher coverage plans to avoid unexpected high bills<\/p>\n<\/li>\n<\/ul>\n<h2 data-section-id=\"r5aw43\" data-start=\"2257\" data-end=\"2305\"><span class=\"ez-toc-section\" id=\"Discussing_Health_and_Safety_with_Your_Helper\"><\/span>Discussing Health and Safety with Your Helper<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2307\" data-end=\"2370\">The best approach to healthcare is proactive communication.<\/p>\n<h3 data-section-id=\"1wtzajs\" data-start=\"2377\" data-end=\"2405\"><span class=\"ez-toc-section\" id=\"What_Employers_Should_Do\"><\/span>What Employers Should Do<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"2407\" data-end=\"2604\">\n<li data-section-id=\"m8s81n\" data-start=\"2407\" data-end=\"2498\">\n<p data-start=\"2409\" data-end=\"2434\">Encourage your helper to:<\/p>\n<ul data-start=\"2437\" data-end=\"2498\">\n<li data-section-id=\"18erp3\" data-start=\"2437\" data-end=\"2462\">\n<p data-start=\"2439\" data-end=\"2462\">Report symptoms early<\/p>\n<\/li>\n<li data-section-id=\"1yf6vgx\" data-start=\"2465\" data-end=\"2498\">\n<p data-start=\"2467\" data-end=\"2498\">Seek medical care when needed<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li data-section-id=\"1pgy6kr\" data-start=\"2500\" data-end=\"2604\">\n<p data-start=\"2502\" data-end=\"2520\">Reassure her that:<\/p>\n<ul data-start=\"2523\" data-end=\"2604\">\n<li data-section-id=\"rjefuh\" data-start=\"2523\" data-end=\"2555\">\n<p data-start=\"2525\" data-end=\"2555\">Medical visits are supported<\/p>\n<\/li>\n<li data-section-id=\"1sopu0y\" data-start=\"2558\" data-end=\"2604\">\n<p data-start=\"2560\" data-end=\"2604\">She will not be penalised for being unwell<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3 data-section-id=\"trg65l\" data-start=\"2611\" data-end=\"2644\"><span class=\"ez-toc-section\" id=\"Promote_a_Healthy_Environment\"><\/span>Promote a Healthy Environment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"2646\" data-end=\"2670\">Employers should ensure:<\/p>\n<ul data-start=\"2671\" data-end=\"2782\">\n<li data-section-id=\"1l2m4qg\" data-start=\"2671\" data-end=\"2698\">\n<p data-start=\"2673\" data-end=\"2698\">Safe working conditions<\/p>\n<\/li>\n<li data-section-id=\"3w5jpm\" data-start=\"2699\" data-end=\"2719\">\n<p data-start=\"2701\" data-end=\"2719\">Proper nutrition<\/p>\n<\/li>\n<li data-section-id=\"rwq208\" data-start=\"2720\" data-end=\"2782\">\n<p data-start=\"2722\" data-end=\"2782\">Adequate rest (including <strong data-start=\"2747\" data-end=\"2779\">at least 1 rest day per week<\/strong>)<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2784\" data-end=\"2801\">\ud83d\udc49 Learn more in:<\/p>\n<ul data-start=\"2802\" data-end=\"2877\">\n<li data-section-id=\"1uan74w\" data-start=\"2802\" data-end=\"2835\">\n<p data-start=\"2804\" data-end=\"2835\"><a href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/off-day-hours\/\"><strong data-start=\"2804\" data-end=\"2833\">FDW Off Days in Singapore<\/strong><\/a><\/p>\n<\/li>\n<li data-section-id=\"1poaqcx\" data-start=\"2836\" data-end=\"2877\">\n<p data-start=\"2838\" data-end=\"2877\"><a href=\"https:\/\/www.helperchoice.com\/c\/en-sg\/domestic-helper-work-safety-singapore\/\"><strong data-start=\"2838\" data-end=\"2877\">Domestic Worker Safety in Singapore<\/strong><\/a><\/p>\n<\/li>\n<\/ul>\n<h2 data-section-id=\"1hk4hac\" data-start=\"2884\" data-end=\"2922\"><span class=\"ez-toc-section\" id=\"6-Monthly_Medical_Examination_6ME\"><\/span>6-Monthly Medical Examination (6ME)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2924\" data-end=\"3016\">MOM requires all domestic helpers to undergo <strong data-start=\"2969\" data-end=\"3015\">mandatory medical check-ups every 6 months<\/strong>.<\/p>\n<h3 data-section-id=\"1tfd4wl\" data-start=\"3023\" data-end=\"3046\"><span class=\"ez-toc-section\" id=\"What_the_6ME_Covers\"><\/span>What the 6ME Covers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"3048\" data-end=\"3067\">Screening includes:<\/p>\n<ul data-start=\"3068\" data-end=\"3135\">\n<li data-section-id=\"182tdjn\" data-start=\"3068\" data-end=\"3081\">\n<p data-start=\"3070\" data-end=\"3081\">Pregnancy<\/p>\n<\/li>\n<li data-section-id=\"ko4xou\" data-start=\"3082\" data-end=\"3135\">\n<p data-start=\"3084\" data-end=\"3135\">Infectious diseases (e.g. tuberculosis, syphilis)<\/p>\n<\/li>\n<\/ul>\n<h3 data-section-id=\"h4ahwd\" data-start=\"3142\" data-end=\"3162\"><span class=\"ez-toc-section\" id=\"Key_Requirements\"><\/span>Key Requirements<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"3164\" data-end=\"3296\">\n<li data-section-id=\"1pz3f4r\" data-start=\"3164\" data-end=\"3209\">\n<p data-start=\"3166\" data-end=\"3209\">First exam: Within 2 weeks of arrival<\/p>\n<\/li>\n<li data-section-id=\"t3pu3n\" data-start=\"3210\" data-end=\"3243\">\n<p data-start=\"3212\" data-end=\"3243\">Follow-up: Every 6 months<\/p>\n<\/li>\n<li data-section-id=\"1anuiun\" data-start=\"3244\" data-end=\"3296\">\n<p data-start=\"3246\" data-end=\"3296\">Employer will receive notifications from MOM<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3298\" data-end=\"3322\">\u2714 Employers must ensure:<\/p>\n<ul data-start=\"3323\" data-end=\"3382\">\n<li data-section-id=\"11t2o9v\" data-start=\"3323\" data-end=\"3356\">\n<p data-start=\"3325\" data-end=\"3356\">The exam is completed on time<\/p>\n<\/li>\n<li data-section-id=\"b96zzf\" data-start=\"3357\" data-end=\"3382\">\n<p data-start=\"3359\" data-end=\"3382\">All costs are covered<\/p>\n<\/li>\n<\/ul>\n<h2 data-section-id=\"1droxdw\" data-start=\"3389\" data-end=\"3439\"><span class=\"ez-toc-section\" id=\"What_Happens_if_a_Helper_Fails_the_Medical_Exam\"><\/span>What Happens if a Helper Fails the Medical Exam<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3441\" data-end=\"3498\">If a helper is diagnosed with certain medical conditions:<\/p>\n<ul data-start=\"3500\" data-end=\"3613\">\n<li data-section-id=\"15nvdp\" data-start=\"3500\" data-end=\"3538\">\n<p data-start=\"3502\" data-end=\"3538\">MOM may revoke the Work Permit<\/p>\n<\/li>\n<li data-section-id=\"1136biv\" data-start=\"3539\" data-end=\"3571\">\n<p data-start=\"3541\" data-end=\"3571\">Employment may be terminated<\/p>\n<\/li>\n<li data-section-id=\"qume8g\" data-start=\"3572\" data-end=\"3613\">\n<p data-start=\"3574\" data-end=\"3613\">Helper may need to be repatriated<\/p>\n<\/li>\n<\/ul>\n<h3 data-section-id=\"12tjnw9\" data-start=\"3620\" data-end=\"3649\"><span class=\"ez-toc-section\" id=\"Employer_Responsibilities\"><\/span>Employer Responsibilities<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"3651\" data-end=\"3690\">Even in this situation, employers must:<\/p>\n<ul data-start=\"3691\" data-end=\"3788\">\n<li data-section-id=\"1s2qcvq\" data-start=\"3691\" data-end=\"3714\">\n<p data-start=\"3693\" data-end=\"3714\">Cover medical costs<\/p>\n<\/li>\n<li data-section-id=\"1c6113k\" data-start=\"3715\" data-end=\"3739\">\n<p data-start=\"3717\" data-end=\"3739\">Arrange repatriation<\/p>\n<\/li>\n<li data-section-id=\"ftoqyw\" data-start=\"3740\" data-end=\"3788\">\n<p data-start=\"3742\" data-end=\"3788\">Handle the process responsibly and ethically<\/p>\n<\/li>\n<\/ul>\n<h2 data-section-id=\"ahd9ih\" data-start=\"3795\" data-end=\"3840\"><span class=\"ez-toc-section\" id=\"Consequences_of_Not_Covering_Medical_Costs\"><\/span>Consequences of Not Covering Medical Costs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3842\" data-end=\"3915\">Failing to meet healthcare obligations is a serious offence in Singapore.<\/p>\n<h3 data-section-id=\"au9rkf\" data-start=\"3922\" data-end=\"3948\"><span class=\"ez-toc-section\" id=\"Possible_Consequences\"><\/span>Possible Consequences:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"3950\" data-end=\"4075\">\n<li data-section-id=\"1c9c3qu\" data-start=\"3950\" data-end=\"3982\">\n<p data-start=\"3952\" data-end=\"3982\">Fine of up to <strong data-start=\"3966\" data-end=\"3980\">SGD 10,000<\/strong><\/p>\n<\/li>\n<li data-section-id=\"jau4oo\" data-start=\"3983\" data-end=\"4021\">\n<p data-start=\"3985\" data-end=\"4021\">Imprisonment (up to <strong data-start=\"4005\" data-end=\"4018\">12 months<\/strong>)<\/p>\n<\/li>\n<li data-section-id=\"1k12oue\" data-start=\"4022\" data-end=\"4046\">\n<p data-start=\"4024\" data-end=\"4046\">Ban from hiring FDWs<\/p>\n<\/li>\n<li data-section-id=\"1alguvv\" data-start=\"4047\" data-end=\"4075\">\n<p data-start=\"4049\" data-end=\"4075\">Legal enforcement by MOM<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4077\" data-end=\"4173\">In some cases, embassies or authorities may intervene to ensure the helper receives proper care.<\/p>\n<h2 data-section-id=\"3o4rd1\" data-start=\"4180\" data-end=\"4225\"><span class=\"ez-toc-section\" id=\"Important_Reminder_Ethical_Responsibility\"><\/span>Important Reminder: Ethical Responsibility<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4227\" data-end=\"4250\">Employers should never:<\/p>\n<ul data-start=\"4251\" data-end=\"4340\">\n<li data-section-id=\"1pl36my\" data-start=\"4251\" data-end=\"4299\">\n<p data-start=\"4253\" data-end=\"4299\">Send a helper home to avoid medical expenses<\/p>\n<\/li>\n<li data-section-id=\"pud7ee\" data-start=\"4300\" data-end=\"4340\">\n<p data-start=\"4302\" data-end=\"4340\">Delay treatment due to cost concerns<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4342\" data-end=\"4365\">Doing so may result in:<\/p>\n<ul data-start=\"4366\" data-end=\"4429\">\n<li data-section-id=\"1aqh9hy\" data-start=\"4366\" data-end=\"4385\">\n<p data-start=\"4368\" data-end=\"4385\">Legal penalties<\/p>\n<\/li>\n<li data-section-id=\"1xecyzx\" data-start=\"4386\" data-end=\"4402\">\n<p data-start=\"4388\" data-end=\"4402\">Blacklisting<\/p>\n<\/li>\n<li data-section-id=\"jpfy1s\" data-start=\"4403\" data-end=\"4429\">\n<p data-start=\"4405\" data-end=\"4429\">Higher long-term costs<\/p>\n<\/li>\n<\/ul>\n<h2 data-section-id=\"111y0s0\" data-start=\"4436\" data-end=\"4467\"><span class=\"ez-toc-section\" id=\"Best_Practices_for_Employers\"><\/span>Best Practices for Employers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4469\" data-end=\"4506\">To ensure compliance and build trust:<\/p>\n<ul data-start=\"4508\" data-end=\"4716\">\n<li data-section-id=\"184kvjj\" data-start=\"4508\" data-end=\"4549\">\n<p data-start=\"4510\" data-end=\"4549\">Maintain valid insurance at all times<\/p>\n<\/li>\n<li data-section-id=\"1m5b75u\" data-start=\"4550\" data-end=\"4590\">\n<p data-start=\"4552\" data-end=\"4590\">Encourage early medical consultation<\/p>\n<\/li>\n<li data-section-id=\"1o39p7y\" data-start=\"4591\" data-end=\"4621\">\n<p data-start=\"4593\" data-end=\"4621\">Keep track of 6ME schedule<\/p>\n<\/li>\n<li data-section-id=\"1b0i28z\" data-start=\"4622\" data-end=\"4671\">\n<p data-start=\"4624\" data-end=\"4671\">Provide a safe and healthy living environment<\/p>\n<\/li>\n<li data-section-id=\"l2mxr2\" data-start=\"4672\" data-end=\"4716\">\n<p data-start=\"4674\" data-end=\"4716\">Communicate openly about health concerns<\/p>\n<\/li>\n<\/ul>\n<h2 data-section-id=\"114wazr\" data-start=\"4723\" data-end=\"4740\"><span class=\"ez-toc-section\" id=\"Final_Thoughts\"><\/span>Final Thoughts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4742\" data-end=\"4832\">Healthcare is one of the most important responsibilities when employing a domestic helper.<\/p>\n<p data-start=\"4834\" data-end=\"4910\">By following MOM regulations and taking a proactive approach, employers can:<\/p>\n<ul data-start=\"4911\" data-end=\"5027\">\n<li data-section-id=\"1apovg5\" data-start=\"4911\" data-end=\"4948\">\n<p data-start=\"4913\" data-end=\"4948\">Protect their helper\u2019s well-being<\/p>\n<\/li>\n<li data-section-id=\"1lsm0r2\" data-start=\"4949\" data-end=\"4970\">\n<p data-start=\"4951\" data-end=\"4970\">Avoid legal risks<\/p>\n<\/li>\n<li data-section-id=\"3mkswj\" data-start=\"4971\" data-end=\"5027\">\n<p data-start=\"4973\" data-end=\"5027\">Build a stronger, more trusting working relationship<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5029\" data-end=\"5153\">At <strong><a href=\"https:\/\/www.helperchoice.com\/domestic-helpers\/singapore\">HelperChoice<\/a><\/strong>, we believe that <strong data-start=\"5062\" data-end=\"5152\">ethical employment includes proper care, safety, and respect for every domestic worker<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Updated on 18 March 2026 Hiring a domestic helper in Singapore comes with important responsibilities\u2014one of the most critical being healthcare and medical support. Under current Ministry of Manpower (MOM) regulations, employers are legally required to ensure that their foreign domestic worker (FDW) receives proper medical care, insurance coverage, and regular health monitoring. This guide [&hellip;]<\/p>\n","protected":false},"author":53,"featured_media":12513,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"slim_seo":{"description":"FDW healthcare in Singapore: employer responsibilities, insurance coverage, medical exams, and MOM rules for domestic helper health.","title":"FDW Healthcare in Singapore: Employer Responsibilities, Insurance, and MOM Medical Rule - HelperChoice Blog"},"footnotes":""},"categories":[425],"tags":[],"class_list":["post-12512","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-helpers-rights-and-regulation-sg"],"blocksy_meta":[],"jetpack_featured_media_url":"https:\/\/www.helperchoice.com\/c\/wp-content\/uploads\/2020\/10\/7e501890919a3238a4e7a395e46709041242e2b7-your-maid-healthcare-in-singapoe.jpg","_links":{"self":[{"href":"https:\/\/www.helperchoice.com\/c\/wp-json\/wp\/v2\/posts\/12512","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.helperchoice.com\/c\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.helperchoice.com\/c\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.helperchoice.com\/c\/wp-json\/wp\/v2\/users\/53"}],"replies":[{"embeddable":true,"href":"https:\/\/www.helperchoice.com\/c\/wp-json\/wp\/v2\/comments?post=12512"}],"version-history":[{"count":2,"href":"https:\/\/www.helperchoice.com\/c\/wp-json\/wp\/v2\/posts\/12512\/revisions"}],"predecessor-version":[{"id":15975,"href":"https:\/\/www.helperchoice.com\/c\/wp-json\/wp\/v2\/posts\/12512\/revisions\/15975"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.helperchoice.com\/c\/wp-json\/wp\/v2\/media\/12513"}],"wp:attachment":[{"href":"https:\/\/www.helperchoice.com\/c\/wp-json\/wp\/v2\/media?parent=12512"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.helperchoice.com\/c\/wp-json\/wp\/v2\/categories?post=12512"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.helperchoice.com\/c\/wp-json\/wp\/v2\/tags?post=12512"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}