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Domestic Helper Insurance

Domestic Helper Insurance

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iHelper Insurance

Product Features
Benefits Table
Premium
Major Exclusions

Employees' Compensation Cover - Your liability as an employer under the Employees' Compensation Ordinance
Comprehensive coverages include clinical, surgical and hospitalisation, dental, service interruption, and personal accident
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

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.

Benefits	Maximum benefits payable per year (HKD)
Benefits	Essential Plan	Standard Plan	Enhanced Plan
Employees' Compensation Cover • Limit per event	1,000,000,000	1,000,000,000	1,000,000,000
Clinical Expenses	Not applicable	3,000	4,000
• Limit per visit per day		200	200
• Chinese medical practitioner and physiotherapist - Limit per visit per day		600 120	700 150
Surgical and Hospitalisation Expenses		25,000	30,000
• Room & Board Charges - Limit per day		350	350
• Surgeon's Fees - Limit per operation		15,000	20,000
• Anaesthetist fees		25% of amount payable under surgeon's fees	25% of amount payable under surgeon's fees
• Operating theatre charges		12.5% of amount payable under surgeon's fees	12.5% of amount payable under surgeon's fees
• Day Care Surgery		Included	Included
Service Interruption		5,000	6,000
• Limit per day		250	320
• Commencing from the Confinement Day in a Hospital		4th day	1st day
Dental Expenses		1,500	1,500
• Limit per visit		2/3 of actual expenses	2/3 of actual expenses
Personal Accident Benefit		Not applicable	100,000
Repatriation Expenses		20,000	20,000
Replacement Helper Expenses		5,000	10,000
Fidelity Guarantee		10,000	10,000
• Unauthorised Telephone Calls		3,000	3,000
Replacement and Installation Cost of Main Door or Metal Gate Lock		1,000	1,000
Automatic Extension of Cover		Not applicable	Max once a year
• Maximum period per extension per year (months)		Not applicable	3
Medical Protection for Abuse of Your Family		10,000	10,000
• Trauma Counselling Expenses - Limit per visit per day		Included 1,000	Included 1,000
Personal Effects / Money		10,000	10,000
• Personal Effects - Limit per item		1,000	1,000
• Money - Limit per claim		3,000	3,000
• Excess - Per claim		200	200
Domestic Helper Liability • Limit per event		150,000	150,000
Optional covers	Maximum benefits payable per year (HK$)
Optional covers	Essential Plan	Standard Plan	Enhanced Plan
1. Cancer and heart disease	N/A
• Section 2 – Clinical expenses		Covered	Covered
• Section 3 – Surgical and hospitalisation expenses		Covered	Covered
• Section 4 - Service interruption		Covered	Covered
2. Cancer and heart disease (top-up) #
• Section 2 – Clinical expenses		Covered	Covered
• Section 3 – Surgical and hospitalisation expenses		95,000	100,000
• Room & board charges and other miscellaneous hospital charges - Limit per day		350	350
• Surgeon's fees - Limit per operation		15,000	15,000
• Anaesthetist fees		25% of amount payable under surgeon's fees	25% of amount payable under surgeon's fees
• Operating theatre charges		12.5% of amount payable under surgeon's fees	12.5% of amount payable under surgeon's fees
• Day care surgery		Included	Included
• Section 4 – Service interruption		Covered	Covered
3. Clinical expense top-up		5,000	6,000
• Medical treatment from a clinic for sickness or bodily injury resulting from an accident - Limit per visit per day		400	400
• Chinese medical practitioner and physiotherapist - Limit per visit per day		600 120	700 150

#Only applicable for domestic helpers aged below 45 at the time of enrollment.

Important Notes:

Local domestic helper is only applicable for Essential Plan.
The insured Domestic Helper shall work in the address as specified in the standard Employment Contract during the period of insurance and that address must be same as the Insured Address.
The premium has included the Employees' Compensation Insurance Levy.

Applicable for Foreign Domestic Helpers Only:

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.
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.
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.
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 Helper.

Premium ³(HK$)	Essential Plan		Standard Plan		Enhanced Plan
Premium ³(HK$)	1 year	2 years	1 year	2 years	1 year	2 years
Premium ³	380	688	568	1,028	750	1,350
Optional cover 1	N/A		120	200	120	200
Optional cover 2			250	450	250	450
Optional cover 3			280	500	380	660

Waiting period ⁴
Type of plan	Essential, Standard and Enhanced Plan	Optional cover 1 and 2
Waiting period ⁴	14 days	90 days

Optional covers are not applicable to Essential Plan.
Only applicable for domestic helpers aged below 45 at the time of enrollment.
Collection of levy on insurance premium - The 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 table are subject to levy.
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.

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