Domestic Helper

Insurance

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 HKD20,000 per year.
Dental Expenses
Reimbursement of two-thirds of the expenses incurred by the Domestic Helper up to HKD1,500 per year.
Benefits Outline
Benefits Outline
Coverage
Max. Compensation (HK$)
1. Employer's Liability
Employer's legal liability under the Employees' Compensation Ordinance
$100,000,000
2. Personal Accident Benefits
Death or Disablement resulting from accidental injury occurring in Hong Kong during the rest days of the Domestic Helper.
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
Total maximum amount payable under this section
$150,000
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 incurred by the Domestic Helper up to
$200 per visit per day
Provided that the first medical treatment was received from a legally qualified and registered medical practitioner, expenses for treatment by bonesetter or registered physiotherapist are payable up to
$100 per visit per day and $500 per year
Total maximum amount payable under this section
$4,000 per year
5. Surgical and Hospitalization Expenses
Reimbursement of expenses incurred by the Domestic Helper up to
Room, board & other miscellaneous hospital charges
$300 per day
Surgical benefit
$10,000 per disability
Anaesthesia and its administration benefit
25% of payable surgical benefit but not exceeding $2,500
Operating theatre benefit
12.5% of payable surgical benefit but not exceeding $1,250
Total maximum amount payable under this section
$20,000 per year
6. Dental Expenses
Reimbursement of two-thirds of the expenses incurred by the Domestic Helper up to
$1,500 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.
$200 per day and maximum $6,000 per year
8. Replacement Helper Expenses
Reimbursement of reasonable and necessary expenses incurred for hiring a new helper in the event the insured Domestic Helper is repatriated due to serious sickness or death including death resulting from suicide.
$3,000 per year
IMPORTANT NOTICE
  • This plan is for overseas domestic helper only.

  • A 15-day waiting period from the effective date of the insurance shall be applicable under Clinical Expenses, Surgical and Hospitalization Expenses, Dental Expenses and Loss of Services Cash Allowance during which no benefits shall be payable.

  • Major Exclusions

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

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

    • Suicide, psychiatric or mental disorders, congenital abnormalities, HIV, sexually transmitted disease, pneumoconiosis, heart disease, cancer, infertility, sterilisation, 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, nuclear energy and radiation.

  • "Domestic Helper" means the person named in the Schedule who is employed under an Employment Contract as governed by the Immigration Ordinance (Chapter 115) by the Insured as an oversea domestic helper at home provided that she is aged between 18 and 64 on inception of this policy.

* 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.