Domestic Helper Insurance
Domestic Helper Insurance
Employer's Liability, Domestic Helper Medical, and Accident & Fidelity Protection—Comprehensive coverage in a single policy.
Comprehensive domestic helper insurance offers all-round protection for both employers and domestic helpers. In addition to fulfilling statutory employer liabilities under the Employees' Compensation Ordinance, the policy covers hospitalization and surgery, outpatient care, dental treatment, personal accidents, various allowances, and fidelity protection. Optional coverage for personal medical expenses and critical illnesses is also available, ensuring peace of mind for both you and your domestic helper every day.
Coverage Highlights
Six Core Safeguards
Comprehensive coverage for employer liability and domestic helper health, bringing greater peace of mind to your daily family life.
Employer's liability for compensation
Fully complies with the requirements of the Employees' Compensation Ordinance, covering the employer's legal liability for compensation regarding a domestic helper's work-related injury, occupational disease, or death, with a maximum indemnity limit of HK$100,000,000 per incident.
Medical Expense Coverage
Covers hospitalization, surgery, emergency dental, and outpatient expenses for domestic helpers, helping you share the burden of medical costs.
Personal Accident Coverage
Domestic helpers are covered against accidental injury or death sustained during their time off.
Additional allowance
Provides an allowance for additional expenses—such as hiring a temporary domestic helper or arranging home care services—when the domestic helper's service is interrupted due to a sudden incident.
Loyalty Guarantee
Provides coverage for financial or property losses resulting from dishonest acts (such as theft) by domestic helpers.
Optional coverage available
Optional personal medical and critical illness coverage can be added to comprehensively address the domestic helper's health needs.
Product Features
Features
- Complies with the requirements of the Employees' Compensation Ordinance.
- Outpatient Medical Expense Coverage
- Fidelity Guarantee (Dishonesty of Domestic Helpers)
- Repatriation costs for domestic helpers
- Hospital Cash Allowance
- 1-year or 2-year policy options available
- Covers hospitalization, surgery, and emergency dental care.
- 24-Hour Personal Accident Coverage
- Death/Permanent Disability Benefit
- Allowance for Temporary Substitute Workers / Temporary Domestic Helpers
- Personal Liability Coverage
- Optional personal medical and critical illness coverage available.
Main Exclusions
Key Exclusions
- Illness or injury existing prior to the employment of the domestic helper
- Any pregnancy, childbirth, miscarriage, and related complications
- Cosmetic surgery and non-essential plastic surgery procedures
- Suicide, attempted suicide, or intentional self-harm
- Accidents caused by alcohol abuse, drug abuse, or mental derangement.
- Participating in professional sports or hazardous activities
- Incidents caused by war, civil unrest, or terrorist activities
- Accidents involving the domestic helper outside Hong Kong and outside the period of employment (exceptions apply to certain plans)
The above is a summary; for details, please refer to the policy terms and conditions of the respective insurance companies.
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Claims Guide
Claims Guide
Should any incident occur that could give rise to a claim, please notify our Claims Department immediately; we will assist you throughout the entire claims process.
Instant Notifications
In the event of any incident that could give rise to a claim, please immediately contact our Claims Department by telephone, providing your policy number, policyholder's name, and contact telephone number; alternatively, you may notify us via email. A delay in notification may result in the insurance company refusing to process the claim.
Prepare documents
Please complete the claim application form. Claims for medical expenses must be accompanied by original receipts specifying the date of consultation or hospitalization, diagnosis, and the attending physician's name and signature. Claims for income protection require a medical certificate (sick leave note) and proof of income, while claims for hospital cash allowances require a certificate of hospitalization.
Submit a claim
In the event of death, a death certificate, medical reports, and a police investigation report (plus an autopsy report, if necessary) must be submitted; for permanent total disability, a disability assessment report is required. The insurance company may request additional information and will issue the claim payment in accordance with the policy terms.
The Claims Department will contact you immediately.
Please note that a delay in notification may result in the insurance company refusing to process your claim in accordance with the terms of the policy.