Generali Domestic Helper Insurance
Plan Details
- Cover Domestic Helper’s death or permanent disability due to accident occurs in Hong Kong on rest days up to HK$100,000
- Cover hospitalization and accidental dental expenses
- Optional Outpatient expenses up to HK$5,000
- Comprehensive coverage from basic employees’ compensation to accident and medical expenses
- Extended coverage to temporary Domestic Helper expenses up to HK$5,000
- Cover for Fidelity Protection up to HK$8000: Cover for loss of Insured’s home contents due to theft by the Domestic Helper (HK$3,000 per accident) and Replacing costs of lock for door/cabinet/drawer due to theft of Insured’s home contents by the Domestic Helper (HK$500 per accident)
- Applicant must be the legal employer of the Domestic Helper.
- Age limit of Domestic Helper must fall within 18 to 60.
- 15-day waiting period from the inception date of this insurance will be applicable to the benefit of Hospitalisation Expenses and Out-patient Expenses only. No cover for disease, illness or sickness will be provided for these two benefits during the waiting period. (Please refer to the product brochure and provision for details)
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Generali Domestic Helper Insurance - Key Features
Comprehensive employees’ compensation
Under the Employee’s Compensation Ordinance employees are required by law to be liable for the bodily injury or death caused to the domestic helper arising out of and in the course of employment. Generali Domestic Helper Insurance provides comprehensive employees’ compensation to meet the legal requirements.
No excess or deductible
Generali Domestic Helper Insurance does not require a deductible or excess. In this way, the insured can get all the compensation without any deductions or having to pay the deductible first.
Cover helper on rest days
Generali Domestic Helper Insurance covers helpers even on rest days for death or permanent disability due to accidents on rest days for up to HK$100,000.
Cover expenses for repatriation and replacement of helpers
Generali Domestic Helper Insurance covers the repatriation and replacement expenses involved when your domestic helpers is unable to continue employment due to death, injury or medical inability and replacement.
Frequently Asked Questions (FAQ)
Does Generali Domestic Helper Insurance have a waiting period?
- Yes, Generali Domestic Helper Insurance has a 15-day waiting period from the inception date.
Does the age limit apply to Generali Domestic Helper Insurance?
- Yes, insurers of Generali Domestic Helper Insurance must fall within 18 to 60 years old.
Does Generali Domestic Helper Insurance cover accidental dental expenses?
- Yes, Generali Domestic Helper Insurance covers up to HK$2,500 dental expenses.
Does Generali Domestic Helper Insurance cover outpatient expenses?
- Yes, Generali Domestic Helper Insurance covers up to HK$5,000 Optional Outpatient expenses.
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