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HelperSurance 4.0

HelperSurance 4.0
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Employees' Compensation Cover - Your liability as an employer under the Employees’ Compensation Ordinance
  • Replacement helper expenses up to HK$10,000 per year
  • Repatriation expenses up to HK$20,000 per year
  • Medical protection for abuse of your family (child/elderly) up to HK$10,000 per year, including trauma counselling expenses
  • Enjoy premium discount for enrolling 2-year policy

*14 days waiting period from the effective date of the insurance shall be applicable under Clinical Expenses, Surgical & Hospitalisation Expenses, Service Interruption and Dental Expenses for each domestic helper during which no benefits shall be payable.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
BenefitsMaximum Benefits Payable (HK$)
Employees' Compensation Cover
Your liability as an employer under the Employees’ Compensation Ordinance
100 million per event
Clinical Expenses
Medical treatment from a clinic for sickness or bodily injury resulting from an accident
200 per visit per day
- Chinese medical practitioner and physiotherapist100 per visit per day
up to 500 per year
Aggregate limit4,000 per year
Surgical and Hospitalisation Expenses
Hospital confinement for surgery or treatment of sickness or bodily injury resulting from an accident
30,000
- Room & board charges300 per day
- Surgeon's fees10,000 per operation
- Anaesthetist Fees25% of surgeon's fees
- Operating theatre charges (Includes Day Care Surgery)12.5% of surgeon's fees
Aggregate limit30,000 per year
Service Interruption
Loss of service resulting from the confinement of domestic servant in a hospital for at least one day for surgery or treatment of bodily injury or sickness
6,000 per year
(300 per day)
Dental Expenses
Dental treatment including oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease
Two-thirds of actual expenses
up to 1,500 per year
Personal Accident Benefit
Accidents occurring during domestic helper's rest days resulting in death, loss of limbs or sight
100,000 per year
Repatriation Expenses
Repatriation of your domestic helper who is certified as medically unfit to complete the contract, or in the event of death, the repatriation of his/her mortal remains to the country of residence
20,000 per year
Replacement Helper Expenses
Extra expenses reasonably and necessarily incurred for getting a new helper in the event your domestic helper is repatriated due to serious injury, illness or death
10,000 per year
Fidelity Guarantee
Pecuniary loss caused by fraud or dishonesty committed by your domestic servant
(Includes unauthorised telephone calls)
10,000 per year
(Inclusive of max 3,000 per year for unauthorised telephone calls)
Replacement and Installation Cost of Main Door or Metal Gate Lock
Replacement and installation cost of main door lock or metal gate lock following the termination of employment contract with the domestic helper due to discovery of any act of infidelity or repatriation of the domestic helper (Replacement and installation must be undertaken within 7 days after the termination of employment contract with the domestic helper)
500 per year
Medical Protection for Abuse of Your Family
- Medical expenses for the bodily injury of Child/Elderly caused by helper’s malicious acts
Including Trauma Counselling Expenses
10,000 per year
Inclusive of max 1,000 per visit per day for Trauma Counselling Expenses
Automatic Extension of Cover
Cover will be automatically extended free of charge for the period between the termination of one domestic helper and the arrival of a new one
Max period of extension
3 months per year

Important Notes:

  1. This plan is only applicable for the foreign domestic helper who is employed by You for full time domestic duties and is aged between 16 and 65.
  2. A standard Employment Contract as specified by the Director of Immigration (Hong Kong) must be entered into between You and the insured Domestic Helper, and it shall be effective on/before the Policy Effective Date.
  3. The insured Domestic Helper must hold a valid employment visa issued by Hong Kong Immigration Department in connection with the employment between You and the insured Domestic Helper for the full time domestic duties as specified in the standard Employment Contract. 
  4. The insured Domestic H elper shall work in the address as specified in the standard Employment Contract during the period of insurance.
  5. The 14-day waiting period from the effective date of the insurance is applicable under - Clinical Expenses, Surgical and Hospitalisation Expenses, Service Interruption Cover and Dental Expenses for each Domestic Servant.
  6. The premium has included the Employees' Compensation Insurance Levy. 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
PlanAnnual Premium (HK$)
(include EC levy)
1 Year2 Years
HelperSurance 4.07501,350

Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the 'Insurance Ordinance' with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

  • Helper who is below 16 years old or above 65 years old
  • Self-inflicted injury or suicide, nervous or mental disease or disorder, venereal disease, congenital anomalies and deformities, infertility, sterilisation, heart disease or cancer
  • Rest-cure or physical check-up
  • Vaccinations, immunisation, injections or preventive medication
  • Routine examination, scaling, polishing or cleaning and crowning
  • Repatriation or transportation of mortal remains originating outside Hong Kong

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.