oops...didn't notice ur next questions...
Insurance (Medical + Bond Protector)
For me, insurance covered in the agency fee for the 2 year contract term...2 types, there's the bond protector so that you don't have to pay the 5k bond and also the accident medical coverage. But for my case normal illness e.g. flu, cough etc it's not covered. This one i gotta pay for them when they go GP.
Maid Levy
If you're a singapore citizen it's $170 else like me gotta pay in full $265/month. Levy payable to MOM via giro.
Maid Salary
Pay directly to maid, normally you will have to pay maid loan for a certain period of month depending on the agency, than the outstanding amoung pay to maid directly. My agent advise me to keep the pay first until she accumulates $500 then open a bank account for her so that she doesn't keep cash in the house.
Food + Other Expenses
I guess this one is relative, but you gotta provide daily necessaties...including soap, shampoo, toothpaste...but my agent say no need to provide pads coz that's consider personal...up to you though if you wanna provide...
Hope that helps a bit ! We've also chosen our maid, think it's really a gamble so just hope you get a good one...