Your domestic helper ensures your household chores are taken care of, freeing your time and mind for other things. However, if your domestic helper meets with an accident and cannot perform her normal duties, or if she has to be repatriated, the financial losses can be quite substantial. Our domestic helper insurance plan not only helps you comply under the Employees' Compensation Ordinance, it also protects your interest as an employer so that both you and your domestic helper can have peace of mind.
| Coverage | Limit of Liability (HK$) |
|---|---|
| 1. Clinical Expenses Reimbursement of expenses incurred by the Domestic Helper up to (including heart disease and cancer) | |
| i. Clinical Treatment | $200 per visit per day |
| ii. Bonesetter or Physiotherapist Treatment | $100 per visit per day $500 per 12 month period of insurance |
| Total maximum payable amount | $3,000 per 12 month period of insurance |
| 2.Surgical and Hospitalization Expenses(Reimbursement of expenses incurred by the Domestic Helper up to) | |
| i. Room, Board & other miscellaneous Hospital charges | $300 per day |
| ii. Surgical operation | $15,000 per disability |
| Total maximum payable amount | $30,000 per 12 month period of insurance |
| 3. Loss of Services Cash Allowance | |
| Cash allowance each day commencing from the fourth (4th) day of each hospital confinement | $200 each day $6,000 per 12 month period of insurance |
| 4. Dental Expenses | |
| Reimbursement of two-third of the expenses incurred up to | $1,500 per 12 month period of insurance |
| 5. Personal Accident Benefits | |
| Lump sum of the Capital Sum in accordance with the percentages specified in the Table of Personal Accident Benefits (for details please refer to the insurance policy) | $100,000 Capital Sum |
| 6. Repatriation Expenses | |
| Reimbursement of the expenses incurred up to | $20,000 per 12 month period of insurance |
| 7. Rehiring Expenses | |
| Reimbursement of the expenses incurred up to | $10,000 per 12 month period of insurance |
| 8. Loan Protection | |
| Reimbursement of uncollectible loan to the Domestic Helper, limit up to | $5,000 per 12 month period of insurance |
| 9. Fidelity Guarantee | |
| i.Reimbursement of the loss resulting from fraud or dishonest act committed by the Domestic Helper, limit up to ii. sub-limit for unauthorized telephone calls $1,000 per 12 month period of insurance |
$5,000 per 12 month period of insurance $1,000 per 12 month period of insurance |