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.
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 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.
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.