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Domestic Helper Insurance

Domestic Helper Insurance

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Domestic Worker Protector - Super Care

Latest OfferFeatured

HK$4,000

Clinical Coverage

HK$30,000

Hospital & Surgical Coverage

HK$4,000

Fidelity Protection

HK$719

Annual Premium
Latest Offer:
[Included Protection of Basic Plan, Extra Care] And Clinical, Dental, Replacement Expenses, Temporary Worker Subsidy and Domestic Worker Liability

Features

Employees compensation protects you when the domestic worker sustains bodily injury by accident or disease arising out of and in the course of employment up to HKD100,000,000.
For Section 1 Employees’ Compensation: Geographical Limit will be extended to cover outside Hong Kong when the Domestic Worker travels in the employ of the Insured for the first 5 days of any such trip.
Personal Accident Insurance protects the domestic worker against accidental injury and death during his/her rest days up to HKD20,000 – HKD120,000.
Fidelity Coverage protects the employer against the financial loss arising from a dishonest act committed by the Domestic Worker up to HKD$4,000 (deductibles HKD200 per case).
Hospitalization & Surgical Expenses total limit up to HKD30,000 (deductibles HKD200 per case) - the Daily Hospital Income Benefit of HKD350 up to 40 consecutive days per year, the Surgical Benefit sub-limit up to HKD16,000 per case.
The waiting period for the sections of Hospitalization & Surgical Expenses, Clinical Expenses & Dental Expenses, the first 14 days from inception of the policy.
Age Limit from 18-60 (above 60, subject to approval and loading).
For more information please call AIG Customer Service Hotline at 3666 7033

Annual Premium

HK$719

Domestic Worker Protector - Basic Plan

Latest Offer

Not Available

Clinical Coverage

Not Available

Hospital & Surgical Coverage

Not Available

Fidelity Protection

HK$285

Annual Premium
Latest Offer:
Employees's Compensation: up to $100,000,000

Features

Employees compensation protects you when the domestic worker sustains bodily injury by accident or disease arising out of and in the course of employment up to HKD100,000,000.
For Section 1 Employees’ Compensation: Geographical Limit will be extended to cover outside Hong Kong when the Domestic Worker travels in the employ of the Insured for the first 5 days of any such trip.
Age Limit from 18-60 (above 60, subject to approval and loading).
For more information please call AIG Customer Service Hotline at 3666 7033

Annual Premium

HK$285

Domestic Worker Protector - Extra Care

Latest Offer

Not Available

Clinical Coverage

HK$30,000

Hospital & Surgical Coverage

HK$4,000

Fidelity Protection

HK$380

Annual Premium
Latest Offer:
[Included Protection of Basic Plan] And Personal Accident Insurance, Hospitalization & Surgical Expenses, Personal Effects

Features

Employees compensation protects you when the domestic worker sustains bodily injury by accident or disease arising out of and in the course of employment up to HKD100,000,000.
For Section 1 Employees’ Compensation: Geographical Limit will be extended to cover outside Hong Kong when the Domestic Worker travels in the employ of the Insured for the first 5 days of any such trip.
Personal Accident Insurance protects the domestic worker against accidental injury and death during his/her rest days up to HKD20,000 – HKD120,000.
Fidelity Coverage protects the employer against the financial loss arising from a dishonest act committed by the Domestic Worker up to HKD$4,000 (deductibles HKD200 per case).
Hospitalization & Surgical Expenses total limit up to HKD30,000 (deductibles HKD200 per case) - the Daily Hospital Income Benefit of HKD350 up to 40 consecutive days per year, the Surgical Benefit sub-limit up to HKD16,000 per case.
The waiting period for a section of Hospitalization & Surgical Expenses, the first 14 days from inception of the policy.
Age Limit from 18-60 (above 60, subject to approval and loading).
For more information please call AIG Customer Service Hotline at 3666 7033

Annual Premium

HK$380

MaidSure Domestic Helper Insurance-Standard Plan

HK$2,000

Clinical Coverage

HK$30,000

Hospital & Surgical Coverage

Not Available

Fidelity Protection

HK$450

Annual Premium

Features

Dental expenses of domestic helper in Hong Kong due to sickness or accidental injury, such as oral surgery, treatment of abscesses, X-rays, extractions or fillings could claim a maximum benefit of HK$1,500 per year.
Bonesetter or physiotherapist expenses could claim up to HK$500 per year
Major Exclusion: Accidents caused by war, Pre-existing conditions within 3 months before the policy inception, Pregnancy and related complications, HIV/AIDS and venereal disease, Suicide, Any claims incurred outside Hong Kong (except Employees' Compensation Cover).

Annual Premium

HK$450

Domestic Helper Insurance

HK$3,000

Clinical Coverage

HK$25,000

Hospital & Surgical Coverage

HK$10,000

Fidelity Protection

HK$610

Annual Premium
1st Year Premium $310

Features

Dental Expenses (Covers dental diseases only) Pay for 2/3 of actual expenses incurred for each dental treatment with a maximum benefit payable of HK1,500
Infidelity of Domestic Helper including HK$3,000/year unauthorized use of IDD to the domestic helper's country of origin
Major Exclusion: War, act of terrorism, suicide, pregnancy or childbirth, influence of alcohol or drugs, pre-existing injury, illness or disease, AIDS, unlawful acts, accident or illness sustained outside Hong Kong (other than Domestic Helpers Personal Accident Insurance), legal liability arising from ownership or usage of any motor vehicle or watercraft.

Annual Premium

HK$610

1st Year Premium $310

MaidSafe Insurance Plan B

HK$3,000

Clinical Coverage

HK$20,000

Hospital & Surgical Coverage

HK$3,000

Fidelity Protection

HK$650

Annual Premium

Features

Oral surgery, treatment of abscesses, X-rays, extractions or fillings could claim a maximum benefit of HK$1,500 per year
Loss of domestic helper’s service due to hospital confinement could claim a maximum benefit of HK$4,000 per year
War and terrorism, any liability in respect of loss or losses from exposure to asbestos, pre-existing injury, illness, sickness or disease, physical examinations etc are not covered

Annual Premium

HK$650

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Benefits Of Comparing Domestic Helper Insurance

  • Get a better domestic helper insurance plan which can meet your needs.
  • Buy domestic helper insurance at a cheaper price and save up to HK$600.
  • Enjoy higher maximum benefit, the difference can be HK$10,000.

Types of Domestic Helper Insurances

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 PlanPart-time domestic helpersFull-time local helpersFull-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 PlanStandard PlanPremium Plan
Premium(1-year)HK$450HK$680
Clinical Expenses Cover(1-year)HK$2,000HK$4,500
Personal Liability Cover
Re-hiring Expenses
Fidelity Protection

 

(The above table is comparing Dah Shing Standard and Premium plans)

Main Coverage Of Domestic Helper Insurances

 Domestic helper insurance basic plans usually provide :

  • Personal Liability Cover
  • Clinical Expenses Cover
  • Surgical and Hospitalization Expenses Cover
  • Repatriation Expenses Cover

Some Premium plans provide:

  • Fidelity Guarantee Cover
  • Unauthorized Long Distance Calls
  • Replacement Lock Cover
  • Medical Expenses Cover For Abuses Of Family Members

Personal Liability Cover

Before purchasing any plan, You should first compare personal liability cover because if maids cause casualties injury and death of a third party, the claims amount cannot very huge. For example, if a domestic helper drops a window to the floor accidentally and hit a person on the street, employer has to bear the compensation. The amount can be thousands to million.

 

Insurance CompanyPersonal Liability Cover
Dah Sing, Prudential, Hong Leong, Allied World, AIG, AXAHK$100,000
Blue Cross, QBEHK$200,000

 

 

Notice: Comparing domestic helper insurance premium plans

Clinical Expenses Cover

Clinical expenses cover is basic and important. You should consider this cover after comparing personal liability cover. Most insurance companies provide maximum benefit from HK$2,000 to 4,000.

 

Insurance CompanyClinical Expenses Cover
Dah Sing, QBE, FalconHK$2,000
Blue Cross, Hong Leong, MSIGHK$3,000
Prudential, AIG, AXA, FWDHK$4,000
Allied WorldUp to 25 FREE general physician consultations

 

 

Notice: Comparing domestic helper insurance premium plans

Surgical And Hospitalization Expenses Cover

If you do not buy domestic helper insurance for your maid, you have to bear the expense if he or she is sent to hospital. Most insurance companies provide maximum benefit from HK$2,0000 to 3,0000.

 

Insurance CompanySurgical and Hospitalization Expenses Cover
Blue Cross, FalconHK$20,000
Hong Leong、AXA、QBEHK$25,000
Dah Sing、Prudential、AIG、FWD, MSIGHK$30,000
Allied WorldHK$80,000

 

 

Notice: Comparing domestic helper insurance premium plans

Repatriation Expenses Cover

Repatriation expenses cover is important when the domestic helper is no longer suitable to work due to serious illness, injury or death. Most domestic helper insurances cover the cost to send the helper back his or her home country. The maximum benefit is from HK$1,0000 to 2,5000.

 

Insurance CompanyRepatriation Expenses Cover
QBEHK$10,000
AIG / AXAHK$15,000
Blue Cross / Dah Sing / Hong Leong / Allied World / Falcon / MSIGHK$20,000
Prudential / FWDHK$25,000

 

 

Notice: Comparing domestic helper insurance premium plans

Fidelity Guarantee Cover

If the domestic helpers steal the personal valuables from employers or perform any dishonest act which causes money loss, fidelity guarantee cover can compensate the loss of he employers. Some even cover the cost of unauthorized long distance calls. The maximum benefit is from HK$4,000 to 1,0000.

Insurance CompanyFidelity Guarantee Cover
FWDHK$5,000
Allied WorldHK$6,000
AIG / MSIG/ Hong LeongHK$10,000
Blue Cross / PrudentialHK$15,000
Dah Sing / AXA / QBEHK$20,000

 

Notice: Comparing domestic helper insurance premium plans

Replacement Lock Cover

When the fidelity guarantee cover is valid, the employer can claim the cost of replacing a lock.The maximum benefit is HK$500 per year which is provided by Dah Shing Insurance and prudential insurance only.

Notice: Comparing domestic helper insurance premium plans

Medical Expenses Cover For Abuses Of Family Members

Sometimes you may hear from the news that young family member was abused by the domestic helper. If it happens, employer can claim the medical expenses though this coverage. So far, only Allied World and Dah Shing Insurance provide medical expenses cover for abuses of family members.

Notice: Comparing domestic helper insurance premium plans

Hong Kong Domestic Helper Insurance Companies

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!

*The above information is updated on 12/12/2017. For the latest information, please refer to the policies provided by insurance companies.