A Simple Guide to Insurance for Your Maid in Malaysia (Johor Bahru) What Employers Need to Know


As an employer, you want to keep your helper safe and protect yourself from unexpected costs. At Morningstar Maid Agency, we know insurance can be confusing—so we’re here to explain it clearly.

In this guide, we’ll walk you through the main types of insurance we arrange for your domestic helper. By the end, you’ll understand what each plan covers, what it doesn’t, and how it helps you meet your responsibilities as an employer.

1. Domestic Maid Insurance Scheme (DMIS) 
This is a compulsory insurance required by the Malaysian government and foreign embassies. It protects both you and your helper in case of accidents, medical costs, or even death while she is working for you.

Coverage Period:
The policy lasts for two years and can be renewed along with the employment contract.
What’s Covered:

• Personal Accident
• Accidental Death: RM 35,000
• Permanent Disability: RM 35,000
• Medical Expenses: RM 750 (with RM 50 deducted per claim)
• Repatriation Expenses
• RM 5,000 to send the helper’s body to her home country if she passes away

Hospital & Surgery Costs
RM 3,000 per event for treatment due to injury or sickness, including medicine, tests, and follow-up visits. Does not cover regular dental care or check-ups.

Weekly Allowance
RM 120 per week for up to 15 weeks if she can’t work due to an accident or sickness

Vicarious Liability
RM 2,000 for claims resulting from your helper’s actions while working

Not Covered: Pre-Existing Conditions
The insurance does not cover health issues your helper already had before the insurance started. This includes conditions she knew about or was already treating.

2. SKHPPA (Surgical and Hospitalisation Insurance) 
This plan helps pay for hospital and surgery costs at government hospitals (not private ones) if your helper gets sick or has an accident.
Although it’s not legally required by government, it is optional that employer can purchase these insurances for their domestic helper for peace of mind.

Coverage Period:
Renewed each year along with the work permit.


What’s Covered:

• Room and board: Up to RM 160 per day (max 30 days)
• ICU charges: Up to 15 days
• Surgery and operating theatre fees
• Doctor and specialist visits in the hospital
• Ambulance and medical report fees
• Yearly Limit: RM 20,000 per person

Not Covered:
1. Pre-existing illness. However, this exclusion is waived in the event the Insured Person passes the medical examination as confirmed by
Fomema Sdn. Bhd. (FOMEMA) within 30 days from the Insured Person's arrival to Malaysia.
2. Specified illnesses occurring during the first one hundred and twenty (120) days of continuous cover.
3. Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of near-sightedness (Radial Keratotomy) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof.
4. Dental conditions including dental treatment or oral surgery except as necessitated by Accidental Injuries to sound natural teeth occurring wholly during the Period of Insurance.
5. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (acquired immunodeficiency syndrome) or ARC (AIDS Related Complex) and HIV (Human Immunodeficiency Virus) related diseases, and any communicable diseases requiring quarantine by law.
6. ETC

Please call Agency Pekerjaan Morningstar for more not more covered range

3. SOCSO for Foreign Domestic Helpers 
SOCSO is required by law for all employers in Malaysia. It protects your helper if she has a work-related accident or gets sick because of her job.

Coverage Period:
As long as you make monthly payments through the SOCSO portal.

What’s Included:

• Free medical care at SOCSO-approved clinics or government hospitals
• Income support if she can’t work temporarily or becomes permanently disabled
• Support for her family if she dies because of work
• Funeral benefits: RM 2,000
• Training and allowance if she need rehab due to disability
• Learn more on the SOCSO official website.

Termination Due to Illness
Both the Indonesian and Embassy contracts allow you to end the employment if your helper is often unable to work due to illness.
This clause protects you and your helper by making sure care remains manageable and fair.


How Morningstar Maid Agency Helps You Manage Health Risks
During recruitment, we ask helpers about known health issues.
After matching, we do a full medical check. If it’s been more than 3 months since her last check-up, we repeat it.
If we find a pre-existing condition, we will tell you before she starts. Even if it’s under control and she passes the FOMEMA check.

Important Note 
This article is a general guide. Insurance terms can change, so always read the full policy documents for exact details. For the latest information, talk to your insurance agent/maid agency.

Conclusion 
Getting the right insurance for your helper isn’t just about following the law—it’s about protecting yourself and providing a safe environment for your helper.
At Morningstar Maid Agency, we include full insurance required by government in our service so you can focus on building a good relationship with your helper—with confidence and peace of mind

Morningstar Maid Agency
33A, Jalan Mutiara 1/9, Taman Mutiara Mas, 81300 Skudai, Johor
011-21867833 (Ms. Acelyn)