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Domestic Helper Insurance
Employer's Liability, Domestic Helper Medical, and Accident & Fidelity Protection—Comprehensive coverage in a single policy.
Comprehensive domestic helper insurance offers extensive protection for both employers and domestic helpers. In addition to fulfilling statutory employer liabilities under the Employees' Compensation Ordinance, the plan covers hospitalization and surgery, outpatient care, dental treatment, personal accidents, various allowances, and fidelity protection.
Flexible one- or two-year policy options are available to align perfectly with the domestic helper's employment contract, giving both you and your helper peace of mind every day.
Coverage Highlights
Comprehensive coverage for employer liability and domestic helper health, bringing greater peace of mind to your daily family life.
Employer's liability for compensation
Complies with Employees’ Compensation Ordinance｜HK$100M maximum indemnity per incident for domestic helper work injuries, occupational diseases or death
Medical Expense Protection
Covers Domestic Helper’s Hospitalisation, Surgery, Emergency Dental & Outpatient Medical Expenses
Personal Accident Coverage
Accident cover is available for bodily injury or death sustained by the domestic helper due to an accident during her rest leave.
Additional allowance
If your domestic helper cannot work due to an unexpected incident, this benefit covers extra costs for a temporary helper or home care services.
Loyalty Guarantee
Protects you against financial and property losses caused by your domestic helper’s dishonest behaviour such as theft.
Optional coverage available
You may add personal medical and critical illness protection to comprehensively cover your domestic helper’s health needs.
Partner Insurers
Partner Insurance Companies
We partner with numerous renowned insurance companies to compare the most suitable personal accident insurance plans for you.
Product Features
產品特點
- 符合《僱員補償條例》要求
- 門診醫療費用保障
- 忠誠保障（家傭不忠實行為）
- 家傭遣返費用
- 醫院住院現金津貼
- 1 年 / 2 年保單可選
- 涵蓋住院、手術及緊急牙科
- 24 小時人身意外保障
- 身故／永久傷殘賠償
- 臨時替工／臨時傭工津貼
- 個人責任保障
- 可附加個人醫療及嚴重疾病保障
Main Exclusions
主要不受保項目
- 家傭受聘前已存在之疾病或傷患
- 任何懷孕、分娩、流產及相關併發症
- 美容手術、非必要之整形治療
- 自殺、企圖自殺或蓄意自我傷害
- 因酗酒、濫用藥物或神智失常引致的事故
- 參與職業性運動或危險活動
- 戰爭、內亂、恐怖活動所致之事故
- 家傭於受僱期外之非香港境內意外（部分計劃例外）
以上為概略，詳細內容請參閱各保險公司之保單條款。
Main Exclusions
主要不受保項目
- 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.
Important Application Information
Before purchasing domestic helper insurance, kindly review the points below to ensure valid policy coverage and smooth claims handling.
1
Domestic Helper Must Be Present in Hong Kong upon Application
2
The domestic helper must hold a valid Hong Kong work visa.
3
You must provide the domestic helper's identity documents and a copy of the employment contract.
4
A medical examination for the domestic helper may be required for the first year of coverage (depending on the insurance company's requirements).
5
Once the policy becomes effective, it cannot be cancelled mid-term for a refund due to the domestic helper leaving employment.
6
If you change your domestic helper, you may apply to amend the name on the policy to maintain protection.
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.