Underwritten by Blue Cross (Asia-Pacific) Insurance Limited
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.
Basic Protection
| Plan A | Employee's compensation coverage for all domestic helpers including part-timers |
|---|---|
| Plan B & Plan C | Comprehensive protection for overseas domestic helpers |
- Employer's liability of up to HK$100,000,000
- Outpatient benefit of up to HK$200 per day
- Hospital and surgical benefit
- Loss of service cash allowances
- Dental benefit
- Repatriation expenses
- Personal accident benefit of up to HK$150,000
- Personal liability of up to HK$200,000
| Insured Items | Maximum Benefits (HK$) | ||
|---|---|---|---|
| Plan A | Plan B | Plan C | |
| Employer's Liability | |||
| –In respect of the legal liability under the Employees' Compensation Ordinance | 100,000,000/event | ||
| Outpatient Benefit | |||
| –Medical consultation, prescribed medicines, and drugs | |||
| Limit per day | - | 150 | 200 |
| –Bone-setting, physiotherapy, or chiropractic treatment | |||
| Limit per day | - | 100 | 100 |
| Limit per year | - | 500 | 500 |
| Total limit per year | N/A | 3,000 | 3,000 |
| Hospital and Surgical Benefit | |||
| –Room and Board (including miscellaneous hospital charges) | |||
| Limit per day | - | 300 | |
| –Surgeon's Fee | |||
| Limit per disability | - | 10,000 | |
| –Anaesthetist's Fee | 25% of the eligible | ||
| Limit per disability | - | Surgeon's Fee | |
| –Operating Theatre Fee | 12.5% of the eligible | ||
| Limit per disability | - | Surgeon's Fee | |
| Total limit per year | N/A | 20,000 | 25,000 |
| Loss of Service Cash Allowances | |||
| –Loss of domestic helper's service due to hospital confinement (from the 4th day of confinement onwards) | |||
| Limit per day | - | 200 | |
| Total limit per year | N/A | 4,000 | 6,000 |
| Dental Benefit | |||
| –Oral surgery, treatment of abscesses, X-rays, extractions, or fillings | |||
| Limit per day | - | 250 | |
| Total limit per year | N/A | 1,500 | 1,500 |
| Replacement Helper Expenses | |||
| –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 | |||
| Total limit per year | N/A | 3,000 | 10,000 |
| Repatriation Expenses | |||
| –Repatriation due to serious illness or injury | |||
| –Post-mortem treatment and transportation of mortal remains or body ashes to the country of origin | |||
| Total limit per year | N/A | 20,000 | 20,000 |
| Personal Accident | |||
| –Accidental death or permanent total disablement resulting from injury during rest days in Hong Kong | |||
| Total limit per year | N/A | 100,000 | 150,000 |
| Fidelity Protection | |||
| –Financial loss from any fraudulent or dishonest act committed by the domestic helper | |||
| Total limit per year | N/A | 3,000 | 6,000 |
| Personal Liability | |||
| –Third party liability arising out of negligence of the domestic helper | |||
| Any one accident/any one period | N/A | N/A | 200,000 |
Blue Cross Customer Service Hotline 2839 6377
This webpage is for reference only. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions. Should there be any discrepancy between the English and the Chinese versions of this material, the English version shall apply and prevail. All insurance product information available on this website is not and shall not be construed as an offer to sell or a provision of insurance products to any person in any jurisdiction outside Hong Kong or a solicitation to such person to buy insurance products.
The insurance plan is underwritten by Blue Cross (Asia-Pacific) Insurance Limited (“Blue Cross”), a subsidiary of AIA Group Limited. The Bank of East Asia, Limited (“BEA”) is an appointed insurance agency of Blue Cross. The insurance plan is a product of Blue Cross but not BEA. All benefits payable under the insurance plan are subject to the credit risk of Blue Cross.
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 BEA and the customer out of the selling process or processing of the related transaction, BEA is required to enter into a Financial Dispute Resolution Scheme process with the customer.
BEA’s sales staff (including direct sales staff and authorised agents) are remunerated not only based on their financial performance, but also according to a range of other factors, including their adherence to best practices and their dedication to serving customers’ interests.
Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.
