Domestic Helper Protection Insurance


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.


Please refer to the Product Leafet for the details, benefits/ coverage, premium, major exclusion, important notes of the plan.


 



Major Exclusions
  1. War and terrorism.
  2. Any liability in respect of loss or losses from exposure to asbestos.
  3. Pre-existing injury, illness, sickness, or disease.
  4. Physical examinations.
  5. Childbirth, pregnancy, miscarriage, abortion, and all complications.
  6. Intentional self-inflicted injury or suicide, or any attempt while sane or insane.
  7. Intoxication by alcohol, narcotics, or drugs not prescribed by a medical practitioner and treatment in connection with addiction to drugs or alcohol.
  8. Acquired Immune Deficiency Syndrome ("AIDS") or AIDS-Related Complex.


    Important Notes
    • Plan A is designed to meet employers' legal obligations under the Employees' Compensation Ordinance. This plan is not applicable to post-natal care helpers, or domestic helpers who need to perform driving duties or have an annual income exceeding HK$200,000. The name of the insured helper is NOT required on the application.
    • Plan B and Plan C apply to full-time overseas helpers only.
    • The outpatient benefit, hospital and surgical benefit, loss of service cash allowances, and dental benefit under the basic protection are subject to a 15-day waiting period from the effective date of the basic protection.
    • Outpatient benefit, hospital and surgical benefit under Optional Major Disease Benefit - Standard, and Optional Major Disease Benefit - Supreme are subject to a 15-day waiting period from the effective date of the optional rider.
    • The payment term of the optional rider should correspond to that of the basic protection.
    • A minimum premium of HK$300 annually will be charged if the basic protection is cancelled.
    • A minimum premium of HK$100 will be charged if the optional rider is added or cancelled.
    • All plans are available to domestic helpers aged 18 to 60 at the time of application. Policies are renewable for domestic helpers up to the age of 65.
    • Coverage provided by this insurance plan applies to insured events occurring within the Hong Kong Special Administrative Region only.
     

    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.