Domestic Helper
Under Hong Kong Law, Employers are legally required to ensure that their domestic helpers are fully covered against work injury and illness.
Domestic Helper Insurance provides comprehensive domestic helper coverage including medical expenses of your domestic helper for doctor visits, dentist and even hospital stays . It protects you against the legal lability as employer, and also provide the coverage to domestic helper in an accident on rest day and the third party lability.
| Section | Coverage | Maximum benefits(HK$) |
| Employer’s liability | Your liability under the Employees’ Compensation Ordinance and at Common Law for bodily injury to your domestic helper. |
$100,000,000/event |
| Fidelity protection | The financial loss of the insured arising from the dishonest act of the domestic helper. |
$3,000/year |
| Loss of service cash allowance | Domestic helper is hospitalized due to sickness or injury, this policy pays you a daily cash allowance for the loss of services commencing from the 4th day of the domestic helper’s confinement. |
$6000/year (max.$200/day ) |
| Repatriation costs | In the event of serious post mortem treatment and transportation of mortal remains back to the country of residence. |
$20,000/year |
| Replacement helper expense | Administrative expenses reasonably and necessarily incurred for employing a replacement domestic helper is repatriated due to serious injury, illness or death . |
$10,000/year |
| Domestic helper’s liability | Legal liability of domestic helper to third party bodily injury or property damage due to negligence during course of employment. |
$500,000/year |
| Section | Coverage | Maximum benefits(HK$) |
| Medical expenses * | Out-patient treatment and medical expensesHospitalization (room & board max. HK$300/day HK$10,000/surgical operation | $4,000/year (max.$200/visit/day) $30,000/year |
| Dental expenses * | Two thirds of most dental expenses, such as oral surgery, treatment of abscesses, X-rays, extractions or fillings |
$1,500/year |
| Personal accident ** | Accidental bodily injury during rest days ： -Accidental death -Permanent total disablement -Total loss of sight in one or both eyes -Total loss or loss of use of one or more limbs |
$200,000 $200,000 $200,000 $200,000 |
| Section | Coverage |
Maximum
benefits(HK$) |
| Heart Disease and Cancer Cover | Medical expenses incurred due to heart disease or cancer | 100,000/year |
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* The waiting period for medical and dental benefits will be 10 days from the effective date of the policy.
** The maximum amount payable for personal accident will be HK$200,000. |
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| Plan type | Premium per domestic helper |
| Benefits For All Items | $1,351 (2years) |
| Heart Disease and Cancer Extension | $450 (2 years) |
| Employees’ Compensation Insurance Plan | $350 (per year) |
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Remarks: All the terms, conditions and details of the exclusions are based on the original policy.
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For insured or for more suggestions, please call 2384 2120 We will contact you as soon as possible.