Domestic Helper Insurance 2023: Compare Helper Insurance Premiums and Coverage

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.

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.

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.

It protects the domestic helper against injury and death during rest days, which results in death, loss of limbs or sight.

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.

It covers third party liability caused by your helpers including accidental physical injury to others or accidental damage and loss to others’ property.

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.

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.

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.

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.