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Foreign Domestic Helper


TravelThe Wisdom Series’ Foreign Domestic Helper Package Insurance is a comprehensive insurance package providing extensive protection for you as an employer and your domestic helper with different benefits that suit your specific needs.

 

 

COVERAGE

Basic Cover

 

Employer's Liability

Indemnify you against your legal liability as an employer under the Employees’ Compensation Ordinance and at Common Law

 

Hospitalisation and Surgical Expenses

Reimburse the medical expenses necessarily and reasonably incurred in the event your Domestic Helper is confined to a Hospital for surgery or treatment of sickness or Injury resulting from an accident

 

Clinical Expenses

Reimburse the medical expenses necessarily and reasonably incurred for consultation and treatment of sickness or Injury of your Domestic Helper from a clinic

 

Dental Expenses

Reimburse two-thirds of the emergency dental treatment expenses necessarily and reasonably incurred for oral surgery, treatment of abscesses, extractions or fillings of your Domestic Helper by a legally qualified and registered dentist as a result of dental disease

 

Personal Accident

Compensate for death or permanent disablement of your Domestic Helper during rest days, resulting directly and solely from an Accident occurring within Hong Kong

 

Repatriation Expenses

Indemnify you for your contractual liability to repatriate your Domestic Helper to her home country before the expiry of her employment contract

 

Loss of Services Cash Subsidy

Subsidise you the expenses in hiring a temporary domestic helper commencing from the fourth day for loss of services if your Domestic Helper is hospitalised as an in-patient for treatment or surgery for a period of three (3) consecutive days or more

 

Re-hiring Expenses

Reimburse the re-hiring expenses necessarily and reasonably incurred in hiring a replacement domestic helper in the event that the Domestic Helper is repatriated

 

Fidelity Protection

Indemnify you in respect of any actual pecuniary loss directly resulting from the act of fraud or dishonesty committed by your Domestic Helper

 

Personal Liability

Indemnify you against your legal liability to third party resulting from the negligent acts or omissions of your Domestic Helper in performing her contractual duties

 

Replacement of Lock

Reimburse the actual expenses necessarily and reasonably incurred for replacement of door lock following termination of the employment contract due to fraud or dishonesty of your Domestic Helper

 

Medical Expenses due to Abuse of Family Member

Reimburse the medical expenses necessarily and reasonably incurred for consultation and treatment of Injury of your Family Member caused by the intentional malicious act of your Domestic Helper in Hong Kong

 

Optional Cover

 

Cancer and Heart Disease Supplementary Benefit

(a) Hospital Top-Up Benefit

      Reimburse the medical expenses necessarily incurred in excess of the amount payable

      under the cover of “Hospitalisation and Surgical Expenses” for surgery or treatment of

     cancer and/or heart disease of your Domestic Helper

(b) Special Medical Test and Treatment Expenses

      Reimburse the medical expenses necessarily incurred in Hong Kong by your Domestic

      Helper for consultation, diagnosis, examination, or treatment of cancer and/or heart

     disease received in a Hospital (not hospitalized), medical laboratory or imaging centre.

 

AGE LIMIT OF DOMESTIC HELPER

  • 18 to 60 years old (renewable up to 65 years old)

 

IMPORTANT NOTES

  1. No benefits shall be payable under the following coverage during a 10-day waiting period from the inception date of insurance :
    • Hospitalisation and Surgical Expenses
    • Clinical Expenses
    • Dental Expenses
    • Loss of Services Cash Subsidy
    • Cancer and Heart Disease Supplementary Benefit 
  2. This insurance is available only for foreign domestic helpers who are employed under an Employment Contract as governed by the Immigration Ordinance (Chapter 115), of the laws of the HKSAR.
  3. The above plans are not applicable for doula (pui yuet) or domestic helper that needs to perform gardening or driving duties or have annual income exceeding HK$100,000. If you need to insure these helpers, please refer to your insurance consultant for details.

 

Employees’ Compensation Insurance Plan

Apart from the above package insurance cover, we also provide basic Employees’ Compensation insurance plan that is needed to meet your legal responsibilities as an employer. This plan is particularly suitable for those who employ part-time domestic helper. The annual premium just costs HK$300.

 

HOW TO APPLY

To apply or learn more, please contact your insurance consultant.

 

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The above product information is for reference only. Please refer to the insurance policy for detailed terms and conditions