Helper with girl in kitchen

Key Benefits

1

Comprehensive all-round protection for both employers and domestic helpers

2

Broad medical coverage

3

Emergency and repatriation assistance

Domestic Helper - Robust protection for the unexpected

Our plan provides peace of mind and all-round coverage designed to protect the employer and the domestic helper in case of unforeseen events. Ensure adequate protection with up to HK$100,000,000 coverage for Employer's Liability and HK$30,000 for surgical and hospitalization expenses.

Comprehensive Employer Liability Coverage

Comprehensive Employer Liability Coverage

Safeguards employers from legal liabilities under Hong Kong's Employees' Compensation Ordinance, with a maximum indemnity of up to HK$100 million
Medical and Dental Coverage

Medical and Dental Coverage

Covers medical, surgical, hospitalization and dental expenses - including up to HK$30,000/year for surgery and HK$1,500/year for dental
Personal accident

Personal Accident Benefits

Provides up to HK$100,000 compensation for accidental death, loss of limbs, sight or permanent disablement during rest days
Replacement Helper Expense

Replacement Helper Expense

Covers up to HK$3,000 for employing a new domestic helper if the original helper must be repatriated or passes away
Loss of Service Allowance

Loss of Service Allowance

Compensates the employer with a daily cash allowance for each full day the domestic helper is hospitalized

Compare our plans and choose the one that suits you

Coverage Maximum Limits (HK$)

1 Year Plan

2 Year Plan

Section I - Employer's Liability

Employer's Liability

1 Year Plan

HK$100,000,000/event

2 Year Plan

HK$1,000,000/event

Section II - Clinical, Surgical & Hospitalization Expenses*

Medical treatment and prescribed medical supplies

1 Year Plan

HK$3,000/year

HK$150/visit/day 

Bonesetter and physiotherapist treatment: HK$500/year; HK$100/visit/day

2 Year Plan

HK$3,000/year

HK$150/visit/day 

Bonesetter and physiotherapist treatment: HK$500/year; HK$100/visit/day

Whilst as a patient confined in a hospital for treatment or surgery

1 Year Plan

Surgical & hospitalization: HK$30,000/year

Surgical operation: HK$10,000/Operation provided that charges for anaesthetist and operating theatre shall not exceed HK1,800

Room, board & other miscellaneous hospital charges: HK$300/day

2 Year Plan

Surgical & hospitalization: HK$30,000/year

Surgical operation: HK$10,000/Operation provided that charges for anaesthetist and operating theatre shall not exceed HK1,800

Room, board & other miscellaneous hospital charges: HK$300/day

Section III - Dental Expenses

Dental Expenses

1 Year Plan

HK$1,500/year

2 Year Plan

HK$1,500/year

Section IV - Personal Accident^

Personal Accident

1 Year Plan

HK$100,000/year

2 Year Plan

HK$100,000/year

Section V - Emergency Medical Assistance

Emergency Medical Assistance

1 Year Plan

HK$20,000/year

2 Year Plan

HK$20,000/year

Section VI - Loss of Service Cash Allowance

Loss of Service Cash Allowance

1 Year Plan

HK$6,000/year
HK$200/day

2 Year Plan

HK$6,000/year
HK$200/day

Section VII - Replacement Helper Expenses

Replacement Helper Expenses

1 Year Plan

HK$3,000/year

2 Year Plan

HK$3,000/year

Section VIII - Fidelity Guarantee

Fidelity Guarantee

1 Year Plan

HK$10,000/year

Unauthorised long distance calls: HK$3,000/year

2 Year Plan

HK$10,000/year

Unauthorised long distance calls: HK$3,000/year

* We will not pay the first HK$300 of each agreed claim (except for Government Hospital)

^ No benefit will be payable during the first 15 days of cover in respect of claims except with proof of preceding insurance coverage

Annual Premium Table (HK$)

1 Year Plan

2 Year Plan

Premium

2 Year Plan

HK$680

HK$1,190

Premium Levy collected by the Insurance Authority will be imposed at the applicable rate. The Levy is included in the premium shown.

Downloads

Proposal Form (Agent)
Proposal Form (Broker)