What are the legal requirements for domestic helper insurance in Hong Kong? Is it mandatory for employers to purchase?

Under Hong Kong’s Employees’ Compensation Ordinance, all employers must purchase employee compensation insurance for their workers, including foreign domestic helpers and local domestic helpers. The law aim at ensuring the employers to have sufficient insurance protection to compensate their employees for any accident arising out of and in the course of the employees' employment, regardless of whether the employees' carelessness has caused the accident. Most of the comprehensive domestic helper insurance plans in Hong Kong also cover inpatient and outpatient medical expenses, repatriation expense and fidelity protection to reduce potential financial loss of the employers.

Does standard domestic helper insurance provide enough critical illness coverage? Do I need to get extra coverage?

Most domestic helper insurance plans mainly cover both inpatient and outpatient medical expenses incurred due to bodily injury or sickness. Standard domestic helper insurance may not provide sufficient benefit illness for critical illness, and some insurance companies may treat critical illness as exclusion unless extra premium paid, so it may not fully cover expensive treatments for severe conditions like cancer or heart disease. If the employers want to provide more comprehensive medical protection to their domestic helpers, it is recommended to review the medical coverage limits prior to application or consider an upgraded plan or optional top-up medical benefit.

Can I purchase domestic helper insurance for an elderly helper? Are there plans applicable to helpers aged 65 and above?

Yes, but options are limited. Most insurers set the maximum age for new applications between 60 and 64. However, some companies do offer domestic helper insurance for helpers aged 65 or above, either for renewal or new policies. Note that premiums for elderly helpers may be higher, and coverage, especially medical benefits, may be adjusted. Always confirm the maximum renewal age with your insurer before renewing for an elderly helper.

Does domestic helper insurance provide a medical card?

Some domestic helper insurance plans include a medical card, allowing helpers to visit network doctors for outpatient consultations free of charge. Nowadays, many plans also support online claim services, making the reimbursement process fast and convenient even without a medical card.

With so many options, how should I compare domestic helper insurance?

When comparing domestic helper insurance plans, apart from premium, employers can focus on the below three points:1. Medical coverage limits – Are outpatient visit limits and hospitalisation caps sufficient?2. Fidelity coverage – Does the plan cover financial loss caused by fraud or dishonest acts (e.g. theft) by the helper?3. Replacement helper costs – If your helper cannot work due to illness or injury and needs repatriation, does the plan cover the cost of hiring a new helper? Review these details carefully to choose the best domestic helper insurance plan for your needs.

Do I need domestic helper insurance for part-time helpers?

Yes. Whether you hire a full-time foreign domestic helper or a part-time local helper (e.g. cleaner, maternity nanny), you are legally required to provide coverage under the Employees’ Compensation Ordinance. There are specific local domestic helper insurance plans designed for this purpose. These plans usually have lower premiums than foreign helper insurance because they typically will not cover repatriation costs and medical expenses, but mainly focusing on the employer’s liability arising from the accident arising out of and in the course of the employees' employment.

How is the premium of domestic helper insurance determined? How much does domestic helper insurance cost in Hong Kong?

The premium of domestic helper insurance in Hong Kong mainly depends on the coverage and optional add-ons, which generally include statutory employee compensation, medical and accident protection, fidelity guarantee, and third-party liability, etc. Premiums vary based on coverage details, the helper’s job nature, age, and health conditions. Premiums in the market typically range around HK$500 to HK$700 per year, but actual costs differ by insurer and plan specifics. Employers are advised to compare different options according to their needs and check the policy terms carefully.

If my helper has an accident while visiting home on holiday, is it covered by domestic helper insurance?

Generally, domestic helper insurance only covers accidents occurred while the helper is working in Hong Kong. Accident occurs during home visits or holidays abroad are usually not covered. Always check your policy terms for details on coverage and territorial limits.

If my helper becomes pregnant, does domestic helper insurance cover maternity costs?

Generally, domestic helper insurance does not cover pregnancy or childbirth-related expenses, including prenatal check-ups, delivery, or any medical costs related to pregnancy. Always check your policy terms for details on coverage and exclusions.

What does dental coverage under domestic helper insurance usually include? Does it cover cleaning or fillings?

Domestic helper insurance generally does not cover routine dental services such as cleaning, check-ups, or orthodontics. Coverage usually applies to emergency dental treatment caused by accident or illness, including fillings, extractions, oral surgery, and X-rays. Always check your policy terms for details on coverage and exclusions.

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Travel insurance does not cover any loss arising from a direct and indirectly consequence of war.
Part of claims functions on Super Care have migrated to BlueCross+ from 18 Nov 2025.	Details
Beware of scams!	Details

Travel insurance does not cover any loss arising from a direct and indirectly consequence of war.
Part of claims functions on Super Care have migrated to BlueCross+ from 18 Nov 2025.

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Beware of scams!

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