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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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Benefits Of Comparing Domestic Helper Insurance
- 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.
Types of Domestic Helper Insurances
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)
Main Coverage Of Domestic Helper Insurances
Hong Kong Domestic Helper Insurance Companies
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.
