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This plan is underwritten by QBE General Insurance (Hong Kong) Limited.
Domestic Helper Insurance (Comprehensive plan) provides comprehensive coverage to your domestic helper. It includes medical expenses for domestic helper, legal liability of the employer under the Employees' Compensation Ordinance. It also covers the financial losses arising from any proven dishonest act committed by the domestic helper and outstanding charges for proven unauthorised long distance calls made by the domestic helper.
It provides up to HKD100,000,000 coverage for the domestic helper's death or incapacity resulting from accident arising out of and in the course of employment.
It provides up to HKD2,000 clinical expenses coverage per year, up to HKD1,000 emergency dental expenses coverage per year, and up to HKD25,000 hospitalization and surgical expenses coverage per year.
This plan provides up to HKD10,000 coverage for the costs of returning the remains of or repatriating the domestic helper back to the country of origin due to death, injury or medical inability to continue employment.
Infidelity covers the financial losses up to HKD10,000 arising from any proven dishonest act committed by the domestic helper.
It covers outstanding charges for proven unauthorised long distance calls made by the domestic helper up to HKD3,000 per year.
Remark: This page is only intended as a general summary. Please refer to the policy for detailed terms and conditions and exclusions.
Basic plus plan
Comprehensive plan
HKD1.2
HKD1.8
100,000,000
100,000,000
25,000
(per year)
25,000
(per year)
10,000
(per year)
10,000
(per year)
—
100,000
—
2,000
(per year)
—
1,000
(per year)
—
6,000
—
5,000
(per year)
—
10,000
—
3,000
(per year)
—
200,000
*Above information are for reference only, please refer to the Plan Coverage, Terms & Conditions for details.
FAQs
Yes. Insured domestic helper must be between the age of 18 to 60 starting from the policy effective date.
According to the current Employees' Compensation Ordinance, the employer shall be responsible for the compensation payable to all employees injured in the course of employment. But the insured territory under the policy is limited to Hong Kong. Hence, the employer should notify the insurer before he/she travels outside Hong Kong with his/her helper and shall pay an additional premium for such extension.
Yes. The insured employer must notify QBE General Insurance (Hong Kong) Limited in writing of the changes to the information of the insured helper, including the helper's name, identity card / passport numbers and date of birth.
The benefit covers the financial losses arising from any proven dishonest act committed by the domestic helper. The employer must immediately report the act to the police and shall obtain compensation from QBE General Insurance (Hong Kong) Limited on conviction of domestic helper from court. Note : The employer must notify QBE General Insurance (Hong Kong) Limited within 15 days of his/her discovery of the loss.
No, since the helper is on holidays at that time and all accidents occurring or diseases contracted outside Hong Kong are not insured.
No. The helpers must be legally employed as domestic helper from overseas, who must be between the age of 18 to 60.
No. If you have already insured with the same protection under another policy, QBE General Insurance (Hong Kong) Limited shall not be liable to pay or contribute more than its rateable proportion of any such claim, costs and expenses incurred.
There is a waiting period of 14 days counting from the effective date of the policy in respect of medical expenses and/or hospital / operation charges arising from disease
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