Domestic Helper

Extra

Comprehensive cover to safeguard you and your domestic helper.

This product not only helps you to fulfill your legal obligations as a responsible employer, but also provides you with protection in the unfortunate accident or an illness of your domestic helper.
Employer’s Liability
Provides up to HKD100,000,000 employer's liability coverage under the Employees'Compensation Ordinance.
Surgical & Hospitalization Expenses Protection
Reimbursement of expenses incurred by the Domestic Helper up to HKD85,000 per year.
Dental Expenses
Reimbursement of two-thirds of the expenses incurred by the Domestic Helper up to HKD2,000 per year.
Coverage
Coverage
Coverage
Maximum Limit HKD
1. Employer's Liability
Employer's legal liability under the Employees' Compensation Ordinance
$100,000,000 per event
2. Personal Accident Benefits
Death or Disablement resulting from accidental injury occurring in Hong Kong during the rest days of the Domestic Helper
$150,000 per year
Sub-limit:
Accidental Death or Permanent Total Disablement
$150,000
Loss of two or more limbs
$150,000
Loss of sight of both eyes
$150,000
Loss of one limb and sight of one eye
$150,000
Loss of one limb or Loss of sight of one eye
$75,000
3. Repatriation Expenses
Reimbursement of expenses incurred for repatriating the Domestic Helper back to the country of origin due to serious sickness or death including death resulting from suicide.
$25,000 per year
4. Clinical Expenses
Reimbursement of clinical expenses (including fees of physiotherapist ) orbone-setting expenses incurred for medical treatment of accidental injury or sickness
$4,000 per year
Sub-limit:
Clinical Expenses
$200 per visit per day
Including medical expenses for treatment by bonesetter or registered physiotherapist
$100 per visit per day /
$500 per year
5. Surgical and Hospitalization Expenses
Reimbursement of expenses incurred by the Domestic Helper
$85,000 per year
Sub-limit:
Room, board & other miscellaneous hospital charges
$350 per day
Surgical benefit / disability
$10,000 per disability
Anaesthesia and its administration benefit
25% of payable surgical benefit
but not exceeding $2,500
Operating theatre benefit Limit
12.5% of payable surgical benefit
but not exceeding $1,250
Limit
$17,000  per confinement
6. Dental Expenses
Reimbursement of two-thirds of the expenses incurred by the Domestic Helper
$2,000 per year
7. Loss of Services Cash Allowance
Cash allowance to the Employer commencing from the 4th day of hospital confinement of the Domestic Helper
$7,000per year
Sub-limit:
Cash allowance per day
$200
Time Excess
3days
8. Replacement Helper Expenses
Reimbursement of reasonable and necessary expenses incurred for hiring a new helper
$5,000 per year
9. Medical Expenses for Abuse of Insured & Family Members
Reimbursement of reasonable and necessary medical expenses incurred by Insured and/or Family Member who sustains bodily injury caused by intentional malicious act of the Domestic Helper 
$5,000 per year
10. Fidelity Guarantee
Reimbursement to the Insured for direct loss of money or property, through any dishonest or criminal act committed by the Domestic Helper
$10,000 per year
11. Lock Replacement Expenses 
Reimbursement of replacement of lock at the place of employment if a valid claim is payable under Section 10 – Fidelity Guarantee of this Policy
$500 per year
12. Domestic Helper Legal Liability
Domestic helper's legal liability in respect of accidental 
$100,000 per event & per policy year
bodily injury and/or accidental damage to property
Geographical limit : Hong Kong only
Heart Disease and Cancer Extension (applicable to Comprehensive Plan only)
Applicable to Section 4, 5 & 7
IMPORTANT NOTES
  • This insurance is for full-time overseas employee engaged for domestic duties only.

  • The insured domestic helper is aged between 18 and 60.

  • A 14-day of waiting period from the effective date of this Policy shall be applicable to Sections 4-7 of Coverage Table &/or Heart Disease and Cancer Extension. No benefits shall be payable under these Sections during such period.

  • Any claim for Accidental Death Benefit under Section 2 of this insurance shall be payable to the Domestic Helper's legal representative.

  • The domestic helper never had under any condition for which to require medical or surgical treatment.

  • The domestic helper never had insurance declined, cancelled or refused to renew by any insurance company.

  • As a policyholder, I am aged 18 or above.

GENERAL EXCLUSIONS

General Exclusions Applicable to All Sections :

  • Accident or sickness of Domestic Helper sustained or contracted outside Hong Kong.

  • Any disease existed prior to the effective date of the policy

  • Suicide (other than specified under sections 3 and 8), psychiatric or mental disorders, congenital abnormalities, HIV, sexually transmitted disease, pneumoconiosis, heart disease, cancer, infertility, sterilization, pregnancy, drug addiction, physical check-ups and cosmetic or plastic surgery.

  • Any late payment surcharge that the Employer liable under the Employees’ Compensation Ordinance.

  • War and warlike operation, terrorism, nuclear energy and radiation.

SPECIFIC EXCLUSIONS

Please read the POLICY for exact terms and conditions and details of the exclusions.

* The coverage features above are indicative only. Please refer to full policy documents for detailed terms & conditions, exclusions, benefit table and premium in Quote Now.