Domestic Helper Insurance 2026: Compare Helper Insurance Premiums and Coverage
Compare different domestic helper insurance plans' premiums and coverage to find the best helper insurance plan for your helper or maid at home.
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We found 29 Domestic Helper Insurances for you!
From 1 July – 30 September 2026, use promo code "MS26Q3Maid" enjoy 25% off premiums with Dah Sing Insurance — secure more, spend less!
Valid till 30 Sep 2026
【MSIG Enrolment Offer】
Apply for MSIG Domestic Helper Insurance can enjoy Exclusive 45% off on your first-year premium with promo code “MSIG20"!
Valid till 31 Jul 2026
【AXA Enrollment Offer】
Enjoy 20% premium discount upon successful application!
Valid till 21 Aug 2026
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Valid till 31 Aug 2026
From 1 July – 30 September 2026, use promo code "MS26Q3Maid" enjoy 25% off premiums with Dah Sing Insurance — secure more, spend less!
Valid till 30 Sep 2026
【MSIG Enrolment Offer】
Apply for MSIG Domestic Helper Insurance can enjoy Exclusive 45% off on your first-year premium with promo code “MSIG20"!
Valid till 31 Jul 2026
From 1 July – 30 September 2026, use promo code "MS26Q3Maid" enjoy 25% off premiums with Dah Sing Insurance — secure more, spend less!
Valid till 30 Sep 2026
【MSIG Enrolment Offer】
Apply for MSIG Domestic Helper Insurance can enjoy Exclusive 45% off on your first-year premium with promo code “MSIG20"!
Valid till 31 Jul 2026
Valid till 31 Dec 2026
Valid till 31 Dec 2026
Valid till 31 Dec 2026
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Best Domestic Helper Insurance
| Domestic Helper Insurance | Premium (as low as) | Key Features |
|---|---|---|
| Domestic Helper InsuranceMSIG HelperSurance 4.0 | Premium (as low as)HK$525 | Key Features
|
| Domestic Helper InsuranceGenerali Domestic Helper Insurance | Premium (as low as)HK$450 | Key Features
|
| Domestic Helper InsuranceZurich Helpersafe Domestic Helper Insurance Plan | Premium (as low as)HK$946 | Key Features
|
Is Domestic Helper Insurance mandatory?
Insurance for Helper: Foreign Domestic Helper Insurance VS Local Home Assistant Insurance
| Foreign Domestic Helper Insurance VS Local Home Assistant Insurance | Foreign Domestic Helper Insurance | Local Home Assistant Insurance |
|---|---|---|
| Foreign Domestic Helper Insurance VS Local Home Assistant Insurance Suitable for | Foreign Domestic Helper InsuranceForegin domestic helpers | Local Home Assistant InsuranceLocal domestic helpers including full-time or part-time home assistants or postnatal care helpers |
| Foreign Domestic Helper Insurance VS Local Home Assistant Insurance Coverage | Foreign Domestic Helper InsuranceCover liabilities under the Cap. 282 Employees' Compensation Ordinance and the following:
| Local Home Assistant InsuranceCover liabilities under the Cap. 282 Employees' Compensation Ordinance |
| Foreign Domestic Helper Insurance VS Local Home Assistant Insurance Is it mandatory? | Foreign Domestic Helper InsuranceYes | Local Home Assistant InsuranceYes |
| Foreign Domestic Helper Insurance VS Local Home Assistant Insurance Premium | Foreign Domestic Helper InsuranceGenerally higher | Local Home Assistant InsuranceGenerally lower |
Best Domestic Helper Insurance
| Domestic Helper Insurance | Clinical Expenses (per visit) | Surgical and Hospitalization Expenses (per year) |
|---|---|---|
| Domestic Helper InsuranceMSIG HelperSurance 4.0 | Clinical Expenses (per visit)HK$200 | Surgical and Hospitalization Expenses (per year)HK$10,000 |
| Domestic Helper InsuranceGenerali Domestic Helper Insurance | Clinical Expenses (per visit)HK$5,000 | Surgical and Hospitalization Expenses (per year)HK$25,000 |
| Domestic Helper InsuranceZurich Helpersafe Domestic Helper Insurance Plan | Clinical Expenses (per visit)HK$3,000 | Surgical and Hospitalization Expenses (per year)HK$80,000 |
Domestic Helper Insurance Coverage
There are two types of domestic helper insurance plans, including basic plans and comprehensive plans. A basic domestic helper insurance only protects the employer’s liability against a helper’s expenses in relation to disease or injury. A comprehensive domestic helper insurance plan is considered as an umbrella solution, offering a wide range of benefits and protection.
Clinical Expenses
It covers out-patient expenses prescribed medicines and drugs from a registered clinic for sickness or bodily injury as a result of an accident. It also covers Chinese bone-setting, physiotherapy and chiropractic treatment.
Surgical and Hospitalization Expenses
It covers hospital confinement for surgery or treatment of sickness or bodily injury resulting from an accident up to the limit specified in the policy. Employers also enjoy the enhanced option to cover cancer and critical illness.
Dental Expenses
It covers emergency dental treatment such as oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease. However, if it is not an emergency such as regular dental check-up, it is not covered.
Personal Accident
It protects the domestic helper against injury and death during rest days, which results in death, loss of limbs or sight.
Repatriation Expenses
It covers transporting bodily remains to the country of residence in case of death or cover costs incurred to send the domestic helper home if certified as medically unfit to complete the contract.
Personal Liability
It covers third party liability caused by your helpers including accidental physical injury to others or accidental damage and loss to others’ property.
Extended coverage items of domestic helper insurance
If you would like more coverage, a comprehensive plan is more suitable for you. Although it is a bit more expensive, it provides extended coverage which is more beneficial to you and your domestic helper:
Replacement Helper Expenses
It covers the re-hiring expenses incurred for getting a new helper such as airtickets and agency fees in the event your domestic helper is repatriated due to serious injury, illness or death.
Replacement and Installation Cost of Main Door or Metal Gate Lock
It covers the replacement and installation cost of main door lock or metal gate lock as a result of the termination of employment contract due to act of infidelity or repatriation of the domestic helper.
Hiring Allowance for Temporary Cover
It compensates an allowance for hiring a cover in case of sickness.
Fidelity Protection of Maid Insurance
Domestic Helper Insurance Exclusions
- Suicide or intentional self injury
- Acts committed under the influence of drugs or alcohol
- Strike, riot, or civil commotion
- Injury due to war, nuclear weapons, radioactivity, or terrorism
- Acts violating the law
- Pre-existing medical conditions
Things that you should know about Maid Insurance
Here are the points to note when you buy your domestic helper insurance for your maid.
1. Domestic helper insurance policyholder must be the employer
The person who employs the domestic helper should be the one who purchases the domestic helper insurance plan. Otherwise, the domestic helper insurance policy becomes invalid.
2. Waiting period
Most domestic helper insurance policies do have a 2-week waiting period in place, from the effective date of the policy. During the waiting period, no medical benefits shall be payable. Therefore, it is wise to take out a domestic helper insurance plan earlier than later.
3. Basic maid insurance plan provides limited coverage only
A basic maid insurance plan doesn’t offer protection against critical illness and other emergencies/accidents that your maid may encounter during the employment period. With just a few hundred HK dollars more, you can take out a comprehensive plan with extended coverage such as Replacement Helper Expenses, Fidelity Protection, COVID-19 Protection, etc. That’s why it is wise to make use of comparison websites such as MoneySmart to compare the different domestic helper insurance policies available on the market before you take out a plan that suits you the most.
4. Pay attention to the insurance exclusions
Different insurance exclusions apply to different helper insurance policies. Some helper insurance may not cover pregnancy-related expenses or fidelity protection. Don’t forget to check the helper insurances’ terms and conditions before choosing the helper insurance plan.
FAQ
Does maid insurance cover dental insurance?
- Generally, domestic helper insurance only covers emergency dental expenses for your maid.
Are there any current promotional offers for purchasing domestic helper insurance via MoneySmart?
- Yes! You can now enjoy exclusive 30% off on your first-year premium for MSIG HelperSurance 4.0 with promo code “MSMART" and get 2 COVID-19 RAT Kits! (valid until 31 Dec 2022)
Is domestic helper insurance mandatory in Hong Kong?
- Yes, according to Cap. 282 Employees' Compensation Ordinance, all employers must get helper insurance for his/her domestic helpers.
Does domestic helper insurance cover COVID-19?
- Some domestic helper insurance provides coverage for COVID-19.
What is the average yearly premium for helper insurance?
- The average yearly premium of maid insurance ranges from HK$250-800, depending on coverage and insurance companies’ pricing.
Is foreign domestic helper insurance different from local home assistant insurance?
- Yes, they are different. Foreign domestic helper insurance does not only cover liabilities under the Cap. 282 Employees' compensation ordinance but also personal accident, hospital and surgical expenses, repatriation expenses, infidelity of domestic helper and domestic helpers' personal belongings.
What is Fidelity Protection?
- It protects employers from the pecuniary loss as a result of fraud or dishonesty committed by your domestic helper.
Is domestic helper mandatory for local home assistants?
- Yes, it is mandatory.
Should I choose a helper insurance that covers clinical visits?
- Yes, you should. Your maids may get sick occasionally and need to visit the clinic. It would cover your costs if your helper insurance covers clinical visits.
Is domestic helper Insurance the same as Employee's Compensation Insurance?
- No, they are not. Foreign domestic helper insurance does not only cover liabilities under the Cap. 282 Employees' compensation ordinance but also cover third party liabilities.
What is the waiting period for maid insurance?
- Some domestic helper Insurance has a waiting period lasting for a few weeks, no benefit shall be payable within the period.
What is the difference between basic and comprehensive maid insurance? Which one suits me more?
- Basic domestic helper insurance, as its name implies, only covers basic coverage but comprehensive helper insurance provides fidelity protection, replacement helper expenses, etc.
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