Removal Notice:Please be informed that starting from 7 June 2021, our company has been moved to 1901A, 19/F, NEO, 123 Hoi Bun Road, Kwun Tong, Kowloon, Hong Kong. All telephone and fax number will remain unchanged.

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Removal Notice:Please be informed that starting from 7 June 2021, our company has been moved to 1901A, 19/F, NEO, 123 Hoi Bun Road, Kwun Tong, Kowloon, Hong Kong. All telephone and fax number will remain unchanged.
  • 2021-06-03

Policy Benefits


Section A

Maximum Limit(HK$)

1. Employer's Liability

  • Employer's Legal liability under the Hong Kong Employees' Compensation Ordinance and Common Law
HK$100,000,000 (any one event)

2. Personal Accident Benefits

Death or Permanent Disablement resulting from accidental injury occurring in Hong Kong during the rest days of the Domestic Helper.

  • Accidental Death or Permanent Total Disablement
  • Loss of two or more limbs
  • Loss of sight of both eyes
  • Loss of one limb and sight of one eye
  • Loss of one limb or sight of one eye

(Loss of limb shall mean physical severance of a hand or foot at or above the wrist or ankle or of an arm or leg at or above elbow or knee. Loss of sight shall mean total and irrecoverable loss of all sight.)

 

 

  • $100,000
  • $100,000
  • $100,000
  • $100,000
  • $50,000

 

3. Personal Accident Benefits to the Domestic Helper when travelling abroad with the Employer

  • Accidental Death or Permanent Total Disablement
  • Loss of two or more limbs
  • Loss of sight or both eyes
  • Loss of one limb and sight of eye
  • Loss of one limb or sight of one eye

 

 

  • $50,000
  • $50,000
  • $50,000
  • $50,000
  • $25,000

Section B

Maximum Limit(HK$)

1. Clinical Expenses

  • Reimbursement of clinical expenses incurred by the Domestic Helper up to
  • Provided that the first medical treatment was received from a legally qualified and registered medical practitioner, expenses for bonesetting or physiotherapy are also covered up to
  • Total maximum amount payable per year under this Section

 

  • HK$200 per visit per day
  • HK$100 per visit per day / HK$500 per year
  • $4,000

2. Surgical & Hospitalization Expenses

Reimbursement of expenses incurred by the Domestic Helper up to

  • Room, Board & other miscellaneous hospital charges
  • Surgical fee per disability
  • Anesthesia and its administrative fee per disability
  • Operation theatre fee per disability
  • Total maximum amount payable per year under this Section

 

 

  • HK$300 per day
  • HK$10,000
  • 25% of surgical fee but not exceeding HK$2,500
  • 12.5% of surgical fee but not exceeding HK$1,250
  • $25,000

3. Dental Expenses

  • Reimbursement of two-thirds of the dental expenses incurred by the Domestic Helper up to
  • HK$1,500 per year

4. Emergency Medical Assistance Service by

  • (i)Emergency Repatriation of the Domestic Helper in the event of serious sickness or injury;
  • (ii)Post-mortem Treatment and Repatriation of Mortal Remains

 

  • HK$20,000 per year
  • Unlimited

5. Fidelity Protection

  • Financial loss resulting from fraud or dishonest acts committed by your domestic helper
    (Compensation for unauthorized long distance calls)
  • HK$10,000 per year
    (Max. HK$3,000)

6. Temporary Helper subsidy

  • Subsidy for employing temporary helper if your domestic helper is hospitalized
  • HK$200/day
    (Max.30 days)

7. Help Replacement Expenses

  • Extra expenses reasonably and necessarily incurred for getting a new helper in the event the insured Domestic Helper is repatriated due to serious injury, illness or death.
  • HK$3,000 per year

8. Domestic Helper's Personal Effects

  • Extend to cover loss of or damage to covered personal properties of the Domestic Helper at the place of the employer's residence
  • HK$3,000 per year
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Policy Exclusions

Brief Exclusions (Please refere to the Insurance Policy for details)

  • General exclusions applicable to All Sections
  • War and allied perils, suicide, pregnancy or childbirth, intoxication by alcohol, narcotics or drugs not prescribed by a legally qualified and registered medical practitioner, pre-existing conditions, acquired immune deficiency syndrome (AIDS) or AIDS related complex (ARC) and any injury, illness or death which occurs or results from event taking place outside of Hong Kong.
  • Waiting Period - A 15 days waiting period from the inception date of the Domestic Helper's insurance shall be applicable to Sections B1, B2, B3 and B6 of the Schedule of Benefits for any Domestic Helper. No benefits shall be payable under these Sections during the waiting period.

Specific exclusions applicable to

  • Any late payment surcharge that the Insured may become liable under the legislation.
  • Nervous or mental disease, veneral disease, congenital anomalies or deformities, infertility, sterilization, heart disease, cancer, rest cure, physical check-ups and cosmetic or plastic surgery unless to correct an injury covered under the policy.

unless to correct an injury covered under this plan.

  • Routine examination, scaling polishing or cleaning, crowning, bridges, braces and dentures.
  • Driving or riding in any kind of race, underwater activities involving the use of breathing apparatus.
  • Any repatriation or transportation of mortal remains originating outside of Hong Kong.

This is not a complete list of exclusions. Please read your policy or Certificate of Insurance carefully for a full listing of exclusions. If you have any questions please contact us for details.

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