Terms of Use

Terms of Use
MSIG Insurance (Hong Kong) Limited ("MSIG", "we" or "us") would ask that you take the time to read these terms and conditions carefully. In case of discrepancies between the English and Chinese versions of this statement, the English version shall prevail.

DISCLAIMER
MSIG has taken reasonable precautions to ensure that the information contained on this website is current, accurate and complete at the date of publication. The information contained on this site is provided for information only, and does not constitute an offer to sell. No representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information.

MSIG makes no commitment, and disclaims any duty, to update or correct or to provide notice as to any error or omission to information contained on this site. MSIG cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on this website.

No warranty is given that access to any information or materials on this website, or this website as a whole will be provided uninterrupted or free from errors, virus or other malicious, destructive or corrupting code, agent, program or macros.
Please note that there is no guarantee that any correspondence sent via email to or by MSIG will be received, or that the contents of the email will remain confidential during internet transmission.

Collection and Use of Non-Personal Information
We also collect non-personal information − data in a form that does not permit direct association with any specific individual. We may collect, use, transfer, and disclose non-personal information for any purpose, such as website traffic information that cannot be identified with a specific person. This information is aggregated and used to help us provide more useful information to our customers and to understand which parts of our website, products, and services are of most interest.

Cookies and Other Technologies
MSIG’s website, online services, interactive applications, SMS and email messages, may use “cookies” and other technologies such as “pixel tags”. These technologies help us better understand user behavior, facilitate website improvements, and measure the effectiveness of online advertisements. We treat information collected by cookies and other technologies as non-personal information, because the information is aggregated among all users and can no longer be identified to a specific individual. MSIG also use cookies and other technologies to personalize your experience with MSIG when using our website, applications, and online services. Cookies can be disabled directly from your internet browser, but please note that certain features of website may be unavailable once cookies are disabled.

Copyright
Copyright in the whole and every part of this site be longs to or is licensed to MSIG, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form in or on any media to any person without prior consent of MSIG.

MSIG is the owner and proprietor of or has the right to use all the marks, whether services, trade marks or logos in this website. The use of these marks and icons by users of this website is forbidden. Any pictures or images displayed on this website belong to or are displayed by MSIG with permission of the owners of these pictures or images. The use by you of these pictures or images is strictly prohibited.

This website may be linked to other websites which are not maintained by MSIG. Such links are provided for your convenience and reference only and the inclusion of any hyperlink to any other website is not an endorsement or verification by MSIG of such website, its contents or its sponsoring organization, and such website should only be accessed at your own risk. Please read this information carefully. Your use of service(s) provided by this website is confirmation that you understand and agree to be bound by all these terms and conditions. MSIG reserves the right to change these terms and conditions from time to time.

Governing Law and Jurisdiction
By accessing this website and/or using the service offered through this website, you agree that such use is governed by the laws of the Hong Kong SAR and you agree to submit to the non-exclusive jurisdiction of the courts of Hong Kong SAR.

Data Security
Our website employs the 128-bit VeriSign Secure Socket Layer. All confidential online sessions between you and MSIG are protected up to a 128-bit encryption level. Encryption is a method of scrambling your information to protect its security during transmission across the Internet. Encryption transforms data into an unreadable form, and decryption reverses that process. Both encryption and decryption require the use of a special code, usually referred to as a key. The encryption of data provides a strong degree of protection against tampering while data is moving through the internet. Encryption protects your information against disclosure to third parties.

Privacy Policy

MSIG Insurance (Hong Kong) Limited ("MSIG", "we" or "us") would ask that you take the time to read these terms and conditions carefully. In case of discrepancies between the English and Chinese versions of this statement, the English version shall prevail.

PRIVACY POLICY

 

MSIG takes your privacy very seriously. To ensure your personal information is secure, we communicate and enforce our privacy and security guidelines according to the relevant laws and regulations. MSIG takes precautions to safeguard your personal information against loss, theft, and misuse, as well as against unauthorised access, disclosure, alteration, and destruction. Furthermore, we will not sell your personal information to anyone for any purpose. MSIG imposes very strict sanction control and only authorised staff on a need-to-know basis are given access to or will handle your personal data, and we provide regular training to our staff to keep them abreast of any new developments in privacy laws and regulations.

We will only retain your personal data in our business records for as long as it is necessary for business and tax purposes as permitted by the laws. We will require our agent, contractor or third party who provides administrative or other services on our behalf to protect personal data they may receive in a manner consistent with this policy. We do not allow them to use such information for any other purpose. If you have any questions or inquiries regarding our privacy policy, please feel free to contact us.

We may amend this Privacy Policy at any time and for any reason. The updated version will be available by following the 'Privacy Policy' link on our website homepage at msig.com.hk. You should check the Privacy Policy regularly for changes.

Personal Information Collection Statement
Personal information is data that can be used to uniquely identify or contact a single person. As our customers, it is necessary from time to time for you to supply us with your personal data in relation to the general insurance services and products ("the Product") that we provide to you and in order for us to deliver and improve the customer service. This includes but not limited to the personal data contained in the proposal form or in any document in relation to the Product or any claim made under the Product.

Mobile Devices
With your consent, we may send you push notifications about your insurance plan when you use certain location-based services provided by this mobile application. The application will ask you to turn on the Location Service of your smartphone in order to determine your location, but it will not store your location.

Your personal data may be used for obligatory purpose or voluntary purpose. If personal data are to be used for an obligatory purpose, you MUST provide your personal data to MSIG if you want MSIG to provide the Product. Failure to supply such data for obligatory purpose may result in MSIG being unable to provide the Product.

The obligatory purposes for which your personal data may be used are as follows:-

  • processing and evaluating your insurance application and any future insurance application you may make;
  • our daily operation and administration of the services and facilities in relation to the Product provided to you;
  • variation, cancellation or renewal of the Product;
  • invoicing and collecting premiums and outstanding amounts from you;
  • assessing and processing claims in relation to the Product and any subsequent legal proceedings;
  • exercising any right of subrogation by us;
  • contacting you for any of the above purposes;
  • other ancillary purposes which are directly related to the above purposes;
  • complying with applicable laws, regulations or any industry codes or guidelines; and
  • detecting and preventing fraud (whether or not relating to the policy issued in respect of this application).


The voluntary purposes for which your personal data may be used are any sales, marketing, promotion of other general insurance services and products provided by MSIG. The personal data we intend to use for voluntary purposes are your name, your address, your phone number and email address. 

If you do not wish MSIG to use your personal data for the voluntary purposes listed above, you may notify us by writing to our Data Protection Officer at 9/F 1111 King’s Road, Taikoo Shing, Hong Kong. You may also notify us by filling in the General enquiry form. In your notification, you must identify yourself by providing us with your full name, HK ID number, contact number, together with your policy / certificate / acknowledgement number if you have one. (NOTE: The instruction will override all previous instructions relating to direct marketing that have been given to MSIG.)

If you wish to remove your membership registration data from this website or mobile application, you may notify us by writing to our Data Protection Officer at 9/F 1111 King’s Road, Taikoo Shing, Hong Kong. You may also notify us by filling in the General enquiry form. We will delete your data within 14 working days upon receiving your request.

In connection with any of the above purposes, the personal data that we have collected might be transferred to:

  • third party agents, contractors and advisors who provide administrative, communications, computer, payment, security or other services which assist us to carry out the above purposes (including medical service providers, emergency assistance service providers, telemarketers, mailing houses, IT service providers and data processors);
  • in the event of a claim, loss adjudicators, claims investigators and medical advisors;
  • reinsurers and reinsurance brokers;
  • your insurance broker;
  • our legal and professional advisors;
  • our related companies as defined in the Companies Ordinance;
  • the Hong Kong Federation of Insurers (or any similar association of insurance companies) and its members;
  • the Insurance Complaints Bureau and similar industry bodies;
  • government agencies and authorities as required or permitted by law;
  • fraud prevention organizations;
  • other insurance companies (whether directly or through fraud prevention organization or other persons named in this paragraph);
  • the police; and
  • databases or registers (and their operators) used by the insurance industry to analyse and check information provided against existing information.

 

In order to confirm the accuracy of your personal data, you agree to provide us with authorisation to access to and to verify any of your personal data with the information collected by any federation of insurance companies from the insurance industry.

Under the relevant laws and regulations, you have the right to request access to and to request correction of your personal data held by us. If you wish to exercise these rights, please write to our Data Protection Officer at 9/F, 1111 King's Road, Taikoo Shing, Hong Kong.

If you have any enquiries or require assistance with this Personal Information Collection Statement, please call us at +852 3122 6922.

Special arrangement for MSIG Travel (Single Trip) Insurance coverage in relation to COVID-19 Details
 

Domestic Helper Insurance

Extra Offers
Choose 1 only
 
Update
Insurance Plan



Quote Now
Quote Now

Latest Promotion

HelperSurance 4.0

Latest Promotion
  • HelperSurance 4.0 Promotions

HelperSurance 4.0

  • Employees' Compensation Cover - Your liability as an employer under the Employees’ Compensation Ordinance
  • Replacement helper expenses up to HK$10,000 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

Limited Time Offer

Apply on or before 31 Jul 2022 to enjoy 25% off
and select one of the following rewards:


Asia Miles

HK$3 net premium spent = 1 Asia Miles#
+
Limited time bonus 400 Asia Miles

How to earn Asia Miles

MSIG$

Login for HK$1 net premium spent = MSIG$1
Redeem your gift on MSIG mobile app

Loyalty Program | Reward Catalogue

# Asia Miles promotion cannot be used in conjunction with promo code and MSIG$ offer at the same time per policy.

Terms and Conditions

HelperSurance 4.0
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions

Plan highlights

  • 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)
Plan APlan B
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.