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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
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
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 Benefits
Provides up to HK$100,000 compensation for accidental death, loss of limbs, sight or permanent disablement during rest days
Replacement Helper Expense
Covers up to HK$3,000 for employing a new domestic helper if the original helper must be repatriated or passes away
Loss of Service Allowance
Compensates the employer with a daily cash allowance for each full day the domestic helper is hospitalized
Compare our plans and choose the one that suits you
| Coverage Maximum Limits (HK$) |
1 Year Plan | 2 Year Plan |
|---|
- Section I - Employer's Liability
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Coverage
Maximum Limits (HK$)1 Year Plan 2 Year Plan Employer's Liability HK$100,000,000/event
HK$1,000,000/event
- Section II - Clinical, Surgical & Hospitalization Expenses*
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Coverage
Maximum Limits (HK$)1 Year Plan 2 Year Plan Medical treatment and prescribed medical supplies
HK$3,000/year
HK$150/visit/day
Bonesetter and physiotherapist treatment: HK$500/year; HK$100/visit/day
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
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
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$300/day
- Section III - Dental Expenses
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Coverage
Maximum Limits (HK$)1 Year Plan 2 Year Plan Dental Expenses HK$1,500/year HK$1,500/year - Section IV - Personal Accident^
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Coverage
Maximum Limits (HK$)1 Year Plan 2 Year Plan Personal Accident HK$100,000/year HK$100,000/year - Section V - Emergency Medical Assistance
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Coverage
Maximum Limits (HK$)1 Year Plan 2 Year Plan Emergency Medical Assistance HK$20,000/year HK$20,000/year - Section VI - Loss of Service Cash Allowance
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Coverage
Maximum Limits (HK$)1 Year Plan 2 Year Plan Loss of Service Cash Allowance
HK$6,000/year
HK$200/dayHK$6,000/year
HK$200/day - Section VII - Replacement Helper Expenses
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Coverage
Maximum Limits (HK$)1 Year Plan 2 Year Plan Replacement Helper Expenses HK$3,000/year HK$3,000/year - Section VIII - Fidelity Guarantee
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Coverage
Maximum Limits (HK$)1 Year Plan 2 Year Plan Fidelity Guarantee HK$10,000/year
Unauthorised long distance calls: HK$3,000/year
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 | 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.
Important Information
- still keeping this section here in case we need it- can be deleted
- Eligibility
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- Exclusions
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