Foreign Domestic Helper Comprehensive Insurance
Coverage Summary |
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Insured Items and Coverage |
Maximum Indemnity (HK$) |
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Plan A |
Plan B |
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1. |
Employees' Compensation |
$100,000,000 |
$100,000,000 |
2. |
24 Hours Personal Accident Protection |
- |
$150,000 |
3. |
Clinical Expenses · Maximum per visit · Per Period of Insurance |
- |
$150 $3,000 |
4. |
Surgical and Hospitalization Expenses · 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 · Per Period of Insurance |
- |
$1,500
|
6. |
Repatriation Expenses · Unfit for work · Death |
- |
$10,000 $20,000 |
7. |
Replacement Expenses · Per Period of Insurance |
- |
$5,000 |
8. |
Temporary Helper Expenses · Per Day · Per Period of Insurance |
- |
$200 $5,000 |
Premium
Premium Table (HK$) |
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Plan A |
Plan B |
Premium for 1 year |
$500 |
$680 |
Premium for 2 year |
$900 |
$1,150 |
Insurance Authority Premium Levy
Pursuant to the Insurance (Levy) Order and Insurance (Levy) Regulation, Insurance Companies will collect IA Premium Levy on insurance premiums from your insurance policies effecting from 1-Jan-2020 onwards. This is the legal obligation of policyholders to pay a levy when premium is paid. The levy will be collected by Insurance Companies and then remit to Insurance Authority as required by the law.
Details of levy can be referred to table below. For further information, please visit Insurance Authority Official Web https://www.ia.org.hk/.
Policy Inception Date and/or Annual Anniversary Date | Applicable Levy Rate | Cap Per General Insurance Policy Per Policy Year (HK$) |
From 1 Apr 2021 onwards (date inclusive) |
0.10% | 5,000 |
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.
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.
Governing Law of Policy: Hong Kong Special Administrative Law
For enquiries, please visit any of our outlets or call our customer service hotline.
Note:- 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.
- The insurance plan is underwritten by China BOCOM Insurance Co., Ltd. which is authorized by the Insurance Authority to provide general insurance business. Bank of Communications (Hong Kong) Limited is an appointed insurance agent of China BOCOM Insurance Co., Ltd.
Important Notice:
Bank of Communications (Hong Kong) Limited (the “Bank”) distributes the product for China BOCOM Insurance Co., Ltd. The insurance plan is a product of China BOCOM Insurance Co., Ltd. but not the Bank. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer.