Personal Lines
PERSONAL LINES
Domestic Maid Insurance
Today, every fifth Singaporean household has a maid accompanying children to school, taking care of the elderly and keeping homes clean. Employers need to purchase medical and personal insurance for the helper before arriving in Singapore. Medical insurance with a coverage of at least $15,000 per year for inpatient care and day surgery during the helper’s stay in Singapore. The personal accident insurance purchased for the helper must have a sum assured of at least $60,000 per year, to cover any sudden, unforeseen, and unexpected incidents resulting in permanent disability or death.
大部分新加坡家庭的生活离不开家政工人，几乎每5户家庭中就有一名帮佣，负责洗衣做饭、照顾家中老人、接送孩子及清理卫生。为了保障帮佣在新加坡的安全，人力部（MOM）规定帮佣在抵达新国前，雇主必须为帮佣购买加强版医疗保险（最低保额为15,000新元，包括住院和日间手术）及人身意外保险（最低保额为60,000新元）。
Embassy Bond
To better protect the domestic workers in Singapore, all employers are required to take up a security bond for their helper. An embassy bond is a contract between the employer and the embassy to ensure that the helper gets proper and fair treatment while working in Singapore. An employer of the Philippines or Indonesia’s maid will need to deposit $5,000 to $7,000 in security bonds to MOM before the helper arrives in Singapore.
为了更好地保护新加坡的家政工人，所有雇主都必须为帮佣购买保证金。保证金可算是雇主与大使馆之间的合同，以确保帮佣在工作期间得到适当和公平待遇。作为菲律宾或印尼帮佣的雇主，在帮佣抵达新加坡前，需向人力部呈交5,000至7,000新元的保证金。
Home Insurance
Building a home requires a lot of time, energy and money. Homeowners insurance (also known as home insurance) protects your home and assets against losses caused by fire, theft, and accidental damage, including vandalism, lightning and explosions. Virtually all mortgage companies require borrowers to have insurance coverage for the full or fair value of a property (usually the purchase price) and won’t make a loan or finance a residential real estate transaction without proof of it.
要塔建起一个房屋，须花费不少时间、精力和金钱。房屋保险为您保护家中资产和贵重物品，保障因火灾、盗抢和意外损坏导致的损失，包括恶意破坏、闪电、爆炸等。贷款买房的人必须购买房屋保险才能成交，若在无证明的情况下，贷款公司不会批准贷款或为住宅房地产交易提供资金。
Personal Accident
Safeguard yourself and your family against accidents with personal accident insurance.
Personal accident insurance plans offer protection for accidental death, disability, injuries or infectious diseases. It also provides financial support for medical expenses due to accidents. Buying personal accident insurance should be planned according to your own needs, personal circumstances and family income.
保障您和您的家人免受意外伤害, 请购买人身意外保险。此保险以被保险人因遭受意外伤害而造成的死亡、残疾、医疗费用支出或暂时丧失劳动能力为给付保险金条件的保险。购买人身意外保险，应结合自身需求、个人情况以及家庭收入来进行规划。
Annual Travel Insurance
International travelling is increasing in demand and annual travel insurance protects you from risks and threats during travel such as loss of passport and personal belongings cover, and loss of checked-in baggage. Having these risks covered ensures an additional layer of protection against financial loss.
国际旅行的需求不断增加，年度旅行保险可保护您免受旅行期间的风险和威胁，例如护照和个人物品丢失、托运行李丢失等。保单涵盖这些风险，能确保对财务损失提供额外的保护。