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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.
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.
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:
|Part-time domestic helpers
|Full-time local helpers
|Full-time overseas helpers
|Maid insurance plans
Besides, you can choose standard or premium plan, the price, coverage and maximum benefit are different:
|Clinical Expenses Cover(1-year)
|Personal Liability Cover
(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.