Yearly Premium
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| Domestic Helper Insurance | Premium (as low as) | Key Features |
|---|---|---|
| MSIG HelperSurance 4.0 | HK$525 |
|
| Generali Domestic Helper Insurance | HK$450 |
|
| Zurich Helpersafe Domestic Helper Insurance Plan | HK$946 |
|
| Foreign Domestic Helper Insurance VS Local Home Assistant Insurance | Foreign Domestic Helper Insurance | Local Home Assistant Insurance |
|---|---|---|
| Suitable for | Foregin domestic helpers | Local domestic helpers including full-time or part-time home assistants or postnatal care helpers |
| Coverage | Cover liabilities under the Cap. 282 Employees' Compensation Ordinance and the following:
| Cover liabilities under the Cap. 282 Employees' Compensation Ordinance |
| Is it mandatory? | Yes | Yes |
| Premium | Generally higher | Generally lower |
| Domestic Helper Insurance | Clinical Expenses (per visit) | Surgical and Hospitalization Expenses (per year) |
|---|---|---|
| MSIG HelperSurance 4.0 | HK$200 | HK$10,000 |
| Generali Domestic Helper Insurance | HK$5,000 | HK$25,000 |
| Zurich Helpersafe Domestic Helper Insurance Plan | HK$3,000 | HK$80,000 |
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.
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.
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:
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.
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.
It compensates an allowance for hiring a cover in case of sickness.
Here are the points to note when you buy your domestic helper insurance for your maid.
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.