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Domestic Helper Insurance

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Domestic Worker Protector - Super Care

Latest OfferSponsored Product
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

MaidGuard Plan 3

Latest OfferSponsored Product
Latest Offer:
Provide network out-patient benefits to your domestic helper at designated panel doctors which fully cover general physician consultation

Features

Provide network out-patient benefits to your domestic helper up to 25 free general physician consultation at designated panel doctors which fully cover general physician consultation and 3 days basic medication (total value HK$12,000), as well as emergency out-patience expenses in a hospital up to HK$150 per visit
Cover expenses on oral surgery, treatment of abscesses, X-ray, extractions and/ or fillings provided by registered dentist for you domestic helper as a result of dental disease for a maximum limits of HK3,000
Major Exclusion: pre-existing known conditions, routine check-up, self-inflicted injury, pneumoconiosis, mesothelioma or noise-induced deafness, pregnancy and child birth, mental illness, surgery for cosmetic purpose, HIV/AIDS and venereal disease

Annual Premium
HK$623
Original Price: HK$778

Domestic Worker Protector - Extra Care

Latest OfferSponsored Product
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

Domestic Worker Protector - Basic Plan

Latest OfferSponsored Product
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

MaidSure Domestic Helper Insurance-Standard Plan

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

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$600
1st Year Premium $300

MaidSafe Insurance Plan B

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

MaidSure Domestic Helper Insurance - Comprehensive Plan

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.
Allowance for the service interruption to the employer if the domestic helper is hospitalised in Hong Kong could claim up to HK$6,000 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$680

SmartHelper

Features

Emergency dental expenses include oral surgery, treatment of abscesses, X-rays, extractions of fillings could claim a maximum benefit of HK$2,500 per year.
Hospital cash subsidy if your domestic helper is hospitalized as an inpatient could claim a maximum benefit of HK$6,000 per year
Some of the exclusions under this Plan are: Suicide or intentional self injury,Venereal disease or insanity, AIDS, Pregnancy or childbirth, Acts committed under the influence of drugs or alcohol, Strike, riot, civil commotion, Injury due to war, nuclear weapons, radioactivity, terrorism, Any acts violating the law, Pre-existing medical conditions

Annual Premium
HK$680

HelperCare Insurance

Features

Oral surgery, treatment of abscesses, X-ray, extractions or fillings as a result of dental disease provided by a registered dentist could claim a maximum benefit of HK$2,000 per year.
Bonesetter treatment could claim a maximum of HK$500 per year.
War, act of terrorism, accident or sickness sustained or contracted outside Hong Kong (except Employer's Liability Cover), nuclear or radioactivity hazards, pre-existing conditions, sexually transmitted diseases, HIV and/or HIV related illness including AIDS, suicide, intentional self-injury, pregnancy, miscarriage, childbirth, infertility, mental or nervous disorder, alcoholism or drug addiction is excluded.

Annual Premium
HK$691

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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)

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 12/12/2018. For the latest information, please refer to the policies provided by insurance companies.