Nanny Insurance in Singapore: Check Who and What Is Covered

Identify who employs or provides the carer

Are you employing an MDW, directly engaging another carer, or booking care through a provider? The agreement and applicable requirements matter. A provider’s statement that it is insured does not, by itself, explain whether a particular incident involving your child, belongings or home is covered.

Private nanny care, the ECDA childminding pilot and licensed childcare are different arrangements. Do not transfer an insurance assumption from one to another. Our agency and independent care guide helps clarify who is responsible for the care agreement.

For an MDW, distinguish medical and personal accident insurance

MOM’s insurance requirements say employers must buy medical and personal accident insurance before their helper arrives. The purchase cost cannot be passed to the helper.

Medical insurance must cover inpatient care and day surgery with an annual claim limit of at least S$60,000. MOM also specifies requirements for applicable sub-limits and enhanced medical insurance. Read those requirements with the proposed policy rather than checking a headline limit alone.

Personal accident insurance has a different purpose. It must have a sum assured of at least S$60,000 per year for specified accidents resulting in permanent disability or death. Compensation is payable to the helper or her beneficiaries. This is not a statement that every injury, medical bill or third-party loss is covered by that benefit.

MOM’s Work Injury Compensation Act FAQ states that MDWs are not covered by WICA; required personal accident insurance should not be confused with that statutory scheme.

Check payments, exclusions and claims

MOM’s enhanced medical-insurance requirements include insurer and employer sharing of admissible claim amounts above S$15,000: 75% and 25% respectively. Ask the insurer to explain how the policy applies those terms, any limits and MOM’s current requirements for exclusions and payment arrangements.

Do not assume the insurance limit ends an employer’s medical responsibilities. MOM’s outpatient-treatment FAQ states that employers are responsible for both inpatient and outpatient treatment costs. Check what the policy actually pays for; required inpatient/day-surgery cover is not a blanket promise of reimbursement for every outpatient expense.

For a private care provider, ask for the relevant current coverage information and the route for reporting an incident. Clarify who is insured, which work and locations the policy covers, the limits and exclusions, and whether a claim depends on legal liability being established. A service satisfaction promise is not an explanation of insurance cover.

If you directly employ a carer outside the MDW arrangement, obtain advice about the requirements for that actual employment situation. This article does not establish the same insurance obligation or entitlement for every person called a nanny.

Keep a short coverage record

• Arrangement: who is the employer or contracting provider?
• Insured person: whose name and work are covered?
• Benefits: which risks, limits and exclusions apply?
• Dates: when does the cover start, expire or need review?
• Claim route: who reports, which documents are needed and who pays any applicable share?

Keep the policy schedule, wording, insurer or provider contact and relevant renewal date together. Ask for unclear answers in writing. A useful next step is to compare those documents with the care agreement before buying or renewing, rather than relying on a generic annual premium estimate.

For the wider employment discussion, see the nanny agreement checklist. For current private-care arrangements, confirm the terms of EduNanny’s private nanny service directly with the provider.

Official MOM guidance checked 13 October 2026. Featured image: an AI-generated conceptual document still life, not an actual insurance policy, claim or family record. Care for every little chapter.