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Domestic Helper Protection Insurance
Protects your full-time or part-time helper & puts your mind at ease
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Your home and family are the centre of your life. However, you may be placing their well-being at serious risk if your domestic helper lacks sufficient coverage. Should your helper suddenly fall sick or get hurt under your employment, the entire financial burden will fall on your shoulders. In some cases, the financial impact could be substantial.
Domestic Helper Protection Insurance helps you fulfil your legal obligations as required by the Employees' Compensation Ordinance and protects you and your helper by providing comprehensive medical, accident, and liability coverage. What's more, two optional riders give you additional security by providing your overseas domestic helper with extra protection against common major illnesses on top of the coverage provided. Whether you hire an overseas domestic helper, a local maid, or a part-time helper, Domestic Helper Protection Insurance allows you, your family, and your helper to enjoy total peace of mind.
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Basic Protection
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Plan A |
Employee's compensation coverage for all domestic helpers including part-timers |
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Plan B & Plan C |
Comprehensive protection for overseas domestic helpers |
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Employer's liability of up to HK$100,000,000
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Outpatient benefit of up to HK$200 per day
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Hospital and surgical benefit
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Loss of service cash allowances
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Dental benefit
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Repatriation expenses
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Personal accident benefit of up to HK$150,000
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Personal liability of up to HK$200,000
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Comprehensive Coverage
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Insured Items |
Maximum Benefits (HK$) |
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Plan A |
Plan B |
Plan C |
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Employer's Liability |
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In respect of the legal liability under the Employees' Compensation Ordinance |
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100,000,000/event
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Outpatient Benefit |
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Medical consultation, prescribed medicines and drugs |
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Limit per day |
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Bone-setting, physiotherapy, or chiropractic treatment |
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Limit per day |
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Limit per year |
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Total limit per year |
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Hospital and Surgical Benefit |
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Room and Board (including miscellaneous hospital charges) |
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Limit per day |
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Surgeon's Fee |
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Limit per disability |
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Anaesthetist's Fee |
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Limit per disability |
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Operating Theatre Fee |
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Limit per disability |
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Total limit per year |
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300 |
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10,000 |
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25% of the eligible |
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Surgeon's Fee |
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12.5% of the eligible |
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Surgeon's Fee |
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20,000 25,000 |
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Loss of Service Cash Allowances |
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Loss of domestic helper's service due to hospital confinement (from the 4th
day of confinement onwards) |
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Limit per day |
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Total limit per year |
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Dental Benefit |
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Oral surgery, treatment of abscesses, X-rays, extractions, or fillings |
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Limit per day |
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Total limit per year |
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Replacement Helper Expenses |
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Extra employment agency fee and other replacement expenses due to the death or repatriation
of the domestic helper as a result of serious injury or illness |
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Total limit per year |
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Repatriation Expenses |
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Repatriation due to serious illness or injury |
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Post-mortem treatment and transportation of mortal remains or body ashes to the
country of origin |
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Total limit per year |
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Personal Accident |
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Accidental death or permanent total disablement resulting from injury during rest
days in Hong Kong |
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Total limit per year |
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Fidelity Protection |
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Financial loss from any fraudulent or dishonest act committed by the domestic helper |
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Total limit per year |
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Personal Liability |
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Third party liability arising out of negligence of the domestic helper |
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Any one accident/any one period |
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The above information is for reference only. Please refer to the policy for the
exact terms and conditions and the full list of policy exclusions. For more
information or a copy of the policy terms and conditions,
please contact our Marketing Officer.
Should there be any discrepancy between the English and the Chinese versions of above information, the English version shall apply and prevail.
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The Bank of East Asia, Limited is an insurance agent authorised by BEA Life Limited ("BEA Life") and Blue Cross (Asia-Pacific) Insurance Limited ("Blue Cross"), members of the BEA Group. BEA Life Insurance Series and General Insurance Series are underwritten by BEA Life and Blue Cross respectively.
This is a redirect webpage hosted by Blue Cross (Asia-Pacific) Insurance Limited.
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