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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!

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 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

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.



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  • 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.