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Most insurance companies in Hong Kong categorize their products into 2 main types, which are basic plan and maid insurance. The basic plans cover the one whose employment status is part-time or full time. On the other hand, maid insurance plans only cover full time overseas maids:
| Insurance Plan | Part-time domestic helpers | Full-time local helpers | Full-time overseas helpers |
|---|---|---|---|
| Basic plans | ✓ | ✓ | ✓ |
| Maid insurance plans | ✕ | ✕ | ✓ |
Besides, you can choose standard or premium plan, the price, coverage and maximum benefit are different:
| Insurance Plan | Standard Plan | Premium Plan |
|---|---|---|
| Premium(1-year) | HK$450 | HK$680 |
| Clinical Expenses Cover(1-year) | HK$2,000 | HK$4,500 |
| Personal Liability Cover | ✕ | ✓ |
| Re-hiring Expenses | ✕ | ✓ |
| Fidelity Protection | ✕ | ✓ |
(The above table is comparing Dah Shing Standard and Premium plans)
Domestic helper insurance basic plans usually provide :
AXA, QBE, Dah Shing, Prudential, Hong Leong, Blue Cross, AIG, FWD, MSIG, Allied World, Falcon are providing domestic helper insurance plans. Compare the premium and coverage of the plans and choose the best one which meets your needs!
*For the latest information, please refer to the policies provided by insurance companies.
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