DHI-RPD_D-PJ23_0768_Top-Banner_Mobile_EN_OP.jpg

Compare the Best Domestic Helper Insurance in Hong Kong 2024

Our list of policies offer a range of coverages such as medical coverage, public liability, personal accident coverage, and many more. Find the best domestic helper insurance with the right coverage that best suits your budget and needs on MoneyHero today!

Insurance HelperCare Insurance Plan (Previously known as FWD General Insurance Company Limited)

MoneyHero Exclusive Offer
HK$
4,000

Clinical Coverage

HK$
30,000

Hospital & Surgical Coverage

HK$
5,000

Fidelity Protection

HK$
578

Annual Premium

Original Price: HK$680
TODO

Zurich Helpersafe Domestic Helper Insurance Plan

MoneyHero Exclusive Offer
HK$
12,000

Clinical Coverage

HK$
80,000

Hospital & Surgical Coverage

HK$
10,000

Fidelity Protection

HK$
851

Annual Premium

Original Price: HK$946

MaidGuard Plan 3

MoneyHero Exclusive Offer
HK$
12,000

Clinical Coverage

HK$
80,000

Hospital & Surgical Coverage

HK$
6,000

Fidelity Protection

HK$
715

Annual Premium

Original Price: HK$893

Domestic Helper Insurance (with out-patient benefits)

MoneyHero Exclusive Offer
HK$
5,000

Clinical Coverage

HK$
25,000

Hospital & Surgical Coverage

HK$
8,000

Fidelity Protection

HK$
450

Annual Premium

Original Price: HK$600

Domestic Worker Protector (2.0) - Super Care

HK$
4,000

Clinical Coverage

HK$
30,000

Hospital & Surgical Coverage

HK$
4,000

Fidelity Protection

HK$
719

Annual Premium

Domestic Worker Protector (2.0) - Basic Plan

Not Available

Clinical Coverage

Not Available

Hospital & Surgical Coverage

Not Available

Fidelity Protection

HK$
285

Annual Premium

MaidSure Domestic Helper Insurance - Standard Plan

MoneyHero Exclusive Offer
HK$
2,000

Clinical Coverage

HK$
30,000

Hospital & Surgical Coverage

Not Available

Fidelity Protection

HK$
338

Annual Premium

Original Price: HK$450

MaidSure Domestic Helper Insurance - Comprehensive Plan

MoneyHero Exclusive Offer
HK$
4,500

Clinical Coverage

HK$
30,000

Hospital & Surgical Coverage

HK$
10,000

Fidelity Protection

HK$
510

Annual Premium

Original Price: HK$680

MaidSure Domestic Helper Insurance - Employees’ Compensation (Local domestic helper)

MoneyHero Exclusive Offer
Not Available

Clinical Coverage

Not Available

Hospital & Surgical Coverage

Not Available

Fidelity Protection

HK$
225

Annual Premium

Original Price: HK$300

Smart Domestic Helper Insurance Plan - Local Domestic Helper Plan (1 year)

MoneyHero Exclusive Offer
Not Available

Clinical Coverage

Not Available

Hospital & Surgical Coverage

Not Available

Fidelity Protection

HK$
255

Annual Premium

Original Price: HK$300

Employees' Compensation Insurance Plan (1 Year)

MoneyHero Exclusive Offer
Not Available

Clinical Coverage

Not Available

Hospital & Surgical Coverage

Not Available

Fidelity Protection

HK$
315

Annual Premium

Original Price: HK$350

Domestic Helper Insurance (without out-patient benefits)

MoneyHero Exclusive Offer
Not Available

Clinical Coverage

HK$
25,000

Hospital & Surgical Coverage

HK$
8,000

Fidelity Protection

HK$
375

Annual Premium

Original Price: HK$500

Domestic Worker Protector - Extra Care

Not Available

Clinical Coverage

HK$
30,000

Hospital & Surgical Coverage

HK$350 / day (Max. 40 days); Surgical HK$16,000
HK$
4,000

Fidelity Protection

HK$
380

Annual Premium

Smart Domestic Helper Insurance Plan - Essential Plan (1 year)

MoneyHero Exclusive Offer
HK$
2,000

Clinical Coverage

HK$
20,000

Hospital & Surgical Coverage

Not Available

Fidelity Protection

HK$
468

Annual Premium

Original Price: HK$550
TODO

Domestic Helper Insurance

HK$
3,000

Clinical Coverage

HK$
25,000

Hospital & Surgical Coverage

HK$
10,000

Fidelity Protection

HK$
600

Annual Premium

1st Year Premium $300

Smart Domestic Helper Insurance Plan - Comprehensive Plan (1 year)

MoneyHero Exclusive Offer
HK$
3,500

Clinical Coverage

HK$
35,000

Hospital & Surgical Coverage

HK$
10,000

Fidelity Protection

HK$
638

Annual Premium

Original Price: HK$750
TODO

MaidSafe Insurance Plan B

HK$
3,000

Clinical Coverage

HK$
20,000

Hospital & Surgical Coverage

HK$
3,000

Fidelity Protection

HK$
650

Annual Premium

AXA SmartHelper Plus

MoneyHero Exclusive Offer
HK$
3,600

Clinical Coverage

HK$
30,000

Hospital & Surgical Coverage

HK$
8,000

Fidelity Protection

HK$
720

Annual Premium

Original Price: HK$800

PRUchoice Maid

HK$
4,000

Clinical Coverage

HK$
30,000

Hospital & Surgical Coverage

HK$
6,000

Fidelity Protection

HK$
730

Annual Premium

TODO

MaidSafe Insurance Plan C

HK$
3,000

Clinical Coverage

HK$
25,000

Hospital & Surgical Coverage

HK$
6,000

Fidelity Protection

HK$
750

Annual Premium

TODO

Domestic Helper Protector

HK$
4,000

Clinical Coverage

HK$
30,000

Hospital & Surgical Coverage

HK$
3,000

Fidelity Protection

HK$
750

Annual Premium

The Best Domestic Helper Insurance Hong Kong 2023

What are the types of coverage of domestic helper insurance plans?


Domestic helper insurance usually provides employee insurance to fulfill the employer’s basic legal responsibilities, and coverage for the medical expenses of the domestic helper, including hospitalization, surgery, and outpatient treatment.


It covers for the loss of personal belongings if the domestic helper commits a burglary at home, and can provide a temporary helper allowance to compensate for the expenses of hiring a temporary helper if the domestic helper is hospitalized.

Some plans have no excess, meaning all compensations are assumed by the insurance company, while some plans provide a medical card that can be used to claim outpatient expenses without filling out forms.


Main coverage items of domestic helper insurance


Most basic domestic helper insurance plans in Hong Kong provide coverage on employers’ liability, personal accident, hospitalization, surgery, and repatriation expenses of the domestic helper. They also include fidelity protection which protects the employer from monetary loss caused by fraud and dishonesty committed by the domestic helper.


Other more comprehensive coverage items include outpatient, dental expenses of the domestic helper and expenses for re-hiring a domestic helper.



FAQ_img_DomesticHelper_Mb.png
Need some help?
No worries, we've got you covered!
  • 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.

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)

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.