Home Sitemap Contact Us Head Office
Personal Banking
Find out more
Domestic Helper Insurance

 

Domestic Helper Comprehensive Insurance

Coverage Summary
Insured Items and Coverage Maximum Indemnity (HK$)
Plan A Plan B
1.  Employees' Compensation
Indemnify against liabilities under the Employees' Compensation Ordinance if the domestic helper suffers accidental injury arising out of and in the course of employment.		 $100,000,000 $100,000,000
2.  24 Hours Personal Accident Protection
Cover domestic helper against accidental death or permanent total disablement in the course of employment.		 - $150,000
3.

Clinical Expenses
Reimburse the clinical expenses for medical treatment resulting from sickness or accidental injury (limit 1 visit per day).

  • Maximum per visit
  • Per Period of Insurance
-

$150

$3,000

4. 

Surgical and Hospitalization Expenses
Cover domestic helper against the surgical and hospitalization expenses due to sickness and accidental injury.

  • Room & Board
  • Surgical Fees (per disability)
  • Anesthesia Fees
  • Operation Theatre Charges
  • Per period of insurance
-

$300/Per Day

$10,000

$2,500

$1,500

$25,000

5. 

Dental Expenses
Reimburse dental expenses incurred from oral surgery, treatment of abscessed, X-rays, extractions or fillings (except scaling) resulting from accident or sickness ( limit 1 visit per day) excluding scaling, oral exam etc.

  • Per Period of Insurance
    (80% Reimbursement - accident)
    (70% Reimbursement - sickness)
-

$1,500

6. 

Repatriation Expenses
Compensate for the costs of returning the remains of or repatriating the domestic helper back to the country of origin due to death, injury or medically unfit to continue employment

  • Unfit for work
  • Death
-

$10,000

$20,000

7. 

Replacement Expenses
Reimburse the replacement expenses incurred for employing new domestic helper because current domestic helper has to be repatriated due to death or medically unfit to work.

  • Per Period of Insurance
-

$5,000

8. 

Temporary Helper Expenses
Reimburse the expenses incurred to employ a temporary helper if the domestic helper is hospitalized for more than 5 days or death or proven that medically unfit to work & has terminated contract of service.

  • Per Day
  • Per Period of Insurance
-

$200

$5,000

Back to the top

Premium

Premium Table (HK$)
  Plan A Plan B
Premium for 1 year $500 $680
Premium for 2 year $900 $1,150

Back to the top

Major Exclusion

War, self-inflicted injury, suicide, pregnancy and child birth, routine check-up, HIV/AIDS, mental illness, drug addiction, Pneumoconiosis or Noise-Induced Deafness, any pre-existing medical condition prior to inception of this insurance, etc.

Back to the top

Important Notice

  • Domestic helpers' age limits: 18-60.
  • A 15 days waiting period from the inception date of this insurance shall be applicable under Sections 3 to 8. No benefits shall be payable under these Sections during the waiting period.

Back to the top

 

Governing Law of Policy: Hong Kong Special Administrative Law

For enquiries, please visit any of our branch and sub-branches or call our customer service hotline.

Note:
  1. The above information is supplied by China BOCOM Insurance Co., Ltd. and is for reference only. Please refer to the full wording of the policy provisions published by China BOCOM Insurance Co., Ltd. for detailed terms & conditions and exclusions.
  2. The insurance plan is underwritten by China BOCOM Insurance Co., Ltd. which is authorized by the Hong Kong Office of the Commissioner of Insurance to provide general insurance business. Bank of Communications Co., Ltd. Hong Kong Branch is an appointed insurance agent of China BOCOM Insurance Co., Ltd.