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Enjoy 15% first-year premium discount upon successful Domestic Helper Insurance Plan application.
Domestic Helper Insurance Plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited.
This Plan offers two options including Basic Plan and Comprehensive Plan. Both options provide hospital and surgical expenses arising from accidental injury or sickness suffered by the foreign domestic helper, repatriation expenses and the legal liability of the employer under the Employees' Compensation Ordinance. Additionally, Comprehensive Plan provides all-round coverage including clinical expenses, replacement helper expenses and temporary helper allowance.
This Plan helps employers protect themselves and their foreign domestic helpers, ensuring that they receive the necessary support in the event of an unexpected incident.
Covers against employer's liability for the accidental death or incapacity of foreign domestic helper in the course of employment, up to HKD100,000,000.
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.
Clinical and emergency dental is applicable to Comprehensive Plan only.
If your foreign domestic helper is unable to continue to provide their services to you due to accidental death or sickness, this Plan covers the cost of returning or repatriating their remains to their country of origin, up to a coverage limit of HKD10,000.
Covers up to HKD10,000 in financial losses resulting from any proven dishonest act committed by the foreign domestic helper.
Applicable to Comprehensive Plan only.
If your foreign domestic helper dies or becomes medically unfit due to injury or sickness, this Plan covers employment agency fees for a replacement helper up to HKD5,000.
In the event of your foreign domestic helper’s accidental death or hospitalisation for two consecutive weeks or more, this Plan covers a maximum reimbursement of HKD 200 per day, up to 30 days, as temporary helper allowance.
Applicable to Comprehensive Plan only.
| Coverage |
Max limit per policy year (HKD) | |
|---|---|---|
| Basic plan | Comprehensive plan | |
| Employer’s liability |
100,000,000 |
100,000,000 |
Hospital and surgical expenses
|
25,000 per year |
25,000 per year |
| Repatriation expenses | 10,000 per year |
10,000 per year |
Clinical expenses
|
N/A |
2,000 per year |
Emergency dental expenses
|
N/A |
1,000 per year |
| Personal accident |
N/A |
100,000 per insured employee |
| Infidelity |
N/A |
10,000 per year |
| Unauthorised telephone calls |
N/A |
3,000 per year |
Personal liability
|
N/A |
200,000 per year |
| Replacement expenses |
N/A |
5,000 per year |
Temporary helper allowance
|
N/A |
6,000 per year |
Yes. The insured foreign domestic helper must be between the age of 18 and 60, starting on the domestic helper insurance policy effective date.
Under the current Employees' Compensation Ordinance, the employer is responsible for compensating all employees injured while arising out of and in the course of employment. However, the domestic helper insurance policy only provides coverage within Hong Kong.
No. Each domestic helper is not allowed to be covered under more than one Domestic Helper Insurance Plan. If your domestic helper is covered under more than one such policy:
In any case, we'll refund the premium paid from the commencement date, without interest, to you under the policy that is not giving coverage.
Hospitalisation and surgical expenses resulting from sickness are subject to a 14-day waiting period from the effective date of the Domestic Helper Insurance Plan.
Yes. The policyholder must be the same person as the employer listed on the employment contract with the insured domestic helper.
No. This Plan only covers legally employed full-time domestic helpers from overseas, who have signed a standard Employment Contract (ID 407). You can consider taking part-time domestic helper insurance.
Yes. The insured employer must inform Chubb Insurance Hong Kong Limited in writing about the changes of the insured helper's details, such as their name, identity card or passport numbers, and date of birth.
You can find all the forms and documents here for our insurance policies.