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This plan is underwritten by QBE General Insurance (Hong Kong) Limited.
Our Domestic Helper Insurance Plan (“Domestic Helper Insurance”) (Comprehensive plan) offers protection for your domestic helper, including in the event of hospitalisation, surgical expenses and repatriation expenses coverage. It also covers legal liability of the employer under the Employees' Compensation Ordinance and any financial losses arising from infidelity or proven unauthorised long distance calls made by the domestic helper.
This Domestic Helper Insurance provides up to HKD100,000,000 coverage for the domestic helper's death or incapacity resulting from an accident arising out of and in the course of employment.
This Domestic Helper Insurance 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 hospitalisation and surgical expenses coverage per year.
This Domestic Helper Insurance provides up to HKD10,000 coverage for the costs of returning the remains of or repatriating the foreign domestic helper 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.
This Domestic Helper Insurance 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.
Yes. The insured domestic helper must be between the age of 18 and 60, starting on the domestic helper insurance policy effective date.
Yes. The proposer should be the same person of employer under employment contract with insured domestic helper.
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. However, the insured territory under the domestic helper insurance policy is limited to Hong Kong. Hence, the employer should notify the insurer before traveling 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 insured helper's information, including the helper's name, identity card / passport numbers and date of birth.
This benefit covers the direct loss of money or property 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 upon conviction of the domestic helper in court2.
No. The foreign helper was on holidays at that time and any accidents occurring or diseases contracted outside Hong Kong are not insured by this Domestic Helper Insurance.
No. The helpers must be legally employed as domestic helper from overseas, who must be between the age of 18 and 60.
No. If you have already insured with the same protection under another domestic helper insurance 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 domestic helper insurance policy in respect of medical expenses and/or hospital / operation charges arising from disease.
You can find all the forms and documents here for our insurance products.
2. The employer must notify QBE General Insurance (Hong Kong) Limited within 15 days of discovery of the loss.