^HK$4,000

Clinical Benefits

^HK$150,000

Hospitalisation & Surgical Benefits

^HK$6,000

Fidelity Protection

All Details

• Key Features

  • This insurance is applicable to domestic helper who is aged 18-65 and performs household work for you

  • Only applicable to overseas domestic helper

  • Clinical Benefits cover outpatient, physiotherapy, chiropractic treatment and bone-setting

  • Hospitalisation and Surgical Benefits cover the fees of doctor’s visit, room and board, miscellaneous hospital expenses and surgical expenses (including surgeon’s fee, anaesthetist’s fee and operating theatre fee) for surgery or treatment carried out at hospital and day care clinic

  • Family Member Abuse Benefit provides extra benefit on medical expenses including fees of body check-up, psychologist and psychiatrist incurred by your family if directly suffer bodily injury or sickness from the malicious act of the overseas domestic helper

  • Domestic Helper’s Maternity Benefit provides you a lump sum subsidy for hiring additional overseas domestic helper if your current overseas domestic helper is pregnant or on her maternity leave that results her in being unable to fully perform her ordinary duties

  • This insurance will compensate you up to 100% of the monthly earnings of your domestic helper for his/ her first 12 months’ temporary incapacity that you are liable to pay under Employees’ Compensation

  • Repatriation Expenses Benefit covers the costs of repatriating your domestic helper to his/her country of residence following his/her death and medical unfitness to continue the contract of employment

  • Employees's Compensation up to HK$100,000,000 limit per event

  • Personal Accident benefit up to HK$200,000 limit per year

  • Domestic Helper Personal liability up to HK$100,000 limit per year

  • Benefit of Hospital Cash Subsidy is payable from the first day of hospitalisation

  • Optional cover of Critical Illness Medical Top-Up Benefit provides extra protection of hospitalisation and surgical expenses against up to 40 specific critical illnesses which is open to apply with Comprehensive Plan or those who currently insuring with other domestic helper insurance of other insurer.
    Critical Illness Medical Top-Up Benefit: Upon choosing this optional Critical Illness Medical Top-Up Benefit with Comprehensive Plan at the same time, if your domestic helper has been diagnosed with any one of the 40 covered critical illnesses the maximum limit of Section 8 – Hospitalisation and Surgical Benefits in the Comprehensive Plan will be increased from the original of HK$30,000 per year to HK$150,000 per year, in which the sub-limits of Doctor’s Visit, Room and Board, and Miscellaneous Hospital Expenses and Surgical Expenses (including surgeon’s fee, anaesthetist’s fee and operating theatre fee) as mentioned in the Comprehensive Plan will be no longer applicable. Alternatively, if you are currently insuring with other domestic helper insurance of other insurer which provides hospitalisation and surgical benefits or the like, you can opt to insure with Critical Illness Medical Top-Up Benefit individually (without the Comprehensive Plan) for extra protection against the 40 covered critical illnesses (see table below), that we will pay the medical expenses of doctor’s visit, room and board, miscellaneous hospital expenses and surgical expenses (including surgeon’s fee, anaesthetist’s fee and operating theatre fee) incurred by your domestic helper at hospital or day care clinic (after deducted any recovered or recoverable expense from all other sources) up to HK$120,000 per year provided that the first HK$30,000 of loss per year is not payable

Medical Expenses

Hospitalization & Surgical Benefits	HK$30,000
‧ Up to HK$30,000 limit per year
‧ Pays for the following medical expenses incurred by your domestic helper at hospital or day care clinic for surgery (including day care surgery) or treatment of accidental injury or sickness
- Doctor’s Visit, Room and Board, and Miscellaneous Hospital Expenses (up to HK$400 limit per day)
- Surgical expenses (including surgeon’s fee, anaesthetist’s fee and operating theatre fee (up to HK$18,000 limit per operation)
Clinical Benefits	HK$4,000
‧ Clinical Benefits (Up to HK$4,000 limit per year
‧ Covers your domestic helper's out-patient clinical expenses (including fees of specialist, physiotherapist and chiropractor) and/ or bone-setting expenses incurred for medical treatment of accidental injury or sickness
- Out-patient clinical expenses (up to HK$210 limit per visit per day)
- Bone-setting expenses (up to HK$100 limit per visit per day, HK$500 limit per year)
Dental Expenses	HK$2,000
‧ Up to HK$2,000 limit per year
‧ Covers your domestic helper’s emergency dental treatment expenses, including oral surgery, treatment of abscesses, X-rays, extractions or fillings, up to two thirds of the dental expenses per visit

Legal Liabilities

Employees’ Compensation Insurance
‧ Up to HK$100,000,000 limit per event
Domestic Helper's Personal Liability
‧ Up to HK$100,000 limit per year

Other Protection

Personal Accident	HK$200,000
‧ Up to HK$200,000 limit per year
‧ Provides benefits for your domestic helper or his/her legal representative if he/ she suffers from death, total permanent disablement, loss of sight or loss of limb(s) by accident during his/ her rest days in Hong Kong
Fidelity Protection

Other Expenses

Repatriation Expenses
‧ Up to HK$30,000 limit per year
‧ Reimburses you for the costs of repatriating your domestic helper to his/ her country of residence following his/ her death or medical unfitness to continue the contract of employment
Re-hiring Expenses
‧ Up to HK$15,000 limit per year
‧ Covers your re-hiring expenses, such as air ticket and agency fee, incurred in acquiring a replacement following your domestic helper’s repatriation covered due to specified reasons
Domestic Helper’s Maternity Benefit
‧ Up to HK$10,000 limit per year
Family Member Abuse Benefit
‧ Up to HK$15,000 limit per year

Eligibility

Foreign Helper
‧ This refers to a helper from overseas
Local Helper

Plan Materials

Product Brochure	Read More
Policy Provisions	Read More