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Top 10 Domestic Helper Insurance in 2025
Author:
Kwiksure Team
Created On:
2024-11-11
Edited On:
2025-01-07
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To protect domestic workers, the law mandates employers to purchase labor insurance for them. However, labor insurance comes with limited coverage. Expenses like clinic visits for a cold or fever must be paid out of pocket by the employer.
On the other hand, comprehensive insurance for domestic helpers (domestic helper insurance), offers coverage ranging from outpatient care, hospitalization, dental services, fidelity guarantee, and even third-party liability, covering both the employer and the helper.
Labor Insurance vs. Domestic Helper Insurance
| Labor Insurance |
Comprehensive Domestic Helper Insurance |
|
|
Annual Premium |
HK$200 and up |
HK$300 and up |
|
Coverage |
Covers work-related injuries including:
|
|
|
Waiting Period |
Two weeks |
Some coverage is effective immediately |
|
Applicable To |
All domestic workers |
Mostly applicable to foreign domestic helpers |
Why Buy Domestic Helper Insurance?
According to the Employees' Compensation Ordinance, all employers must provide free medical care for their domestic helpers. However, basic labor insurance only covers medical expenses related to work injuries. If a domestic helper catches a cold or fever, the employer is responsible for the medical costs, including hospitalization expenses. More severe situations, such as losses incurred due to the helper's dishonest behavior or legal liabilities arising from the helper's negligence causing injury or property damage to a third party, are not covered under labor insurance.
Therefore, purchasing domestic helper insurance not only meets legal requirements but also offers comprehensive coverage, fully protecting both the employer and the helper. The table below lists the main coverage items and contents of domestic helper insurance, as well as key points to consider when purchasing.
Coverage Items & Key Considerations
|
Coverage Item |
Main Contents |
Points to Note |
|
Medical Coverage |
|
|
|
Personal Accident |
|
|
|
Legal Responsibility |
Legal responsibility arising from the helper's negligence causing injury or property damage to a third party |
|
|
Hiring Risks |
|
|
|
Property Loss |
Personal property protection for foreign domestic workers (applicable only within the employer's residence) |
|
|
Behavior protection |
|
|
Key Considerations When Buying Domestic Helper Insurance
- When purchasing domestic helper insurance, besides considering the premium, coverage, and insured amount, pay attention to whether co-payment is required, especially for specialist outpatient care and third-party legal liability, which often have co-payment requirements.
- Pay special attention to the terms related to medical and hospitalization coverage, such as whether they specify "per day," "per year," or "per illness." For example, the maximum payout for hospitalization expenses might be HK $50,000, but the "per day" maximum payout for hospitalization, meals, and other miscellaneous hospital expenses might only be HK$300. If the limit is exceeded, no compensation will be provided. Additionally, hospitalization, surgical fees, and anesthesia fees might be broken down into separate items, rather than being calculated as a single surgery.
- Most domestic helper insurance plans have a waiting period, typically around two weeks. Therefore, when purchasing domestic helper insurance, ensure sufficient time is allowed or choose an insurance plan with a shorter waiting period.
- Employment contracts require the domestic helper to live at the same address as the employer. For instance, if a child hires a helper for an elderly family member, the elderly person must be the policyholder, and the child cannot purchase the insurance on their behalf, as this might render the policy invalid.
Comparison of 10 Domestic Helper Insurance Plans (Annual, in HKD)
|
Insurance Company & Plan Name |
Outpatient Fees (Western Medicine) |
Hospitalization Expenses |
Personal Accident |
Fidelity Guarantee |
Premium |
|
25 visits/year (up to $12,000) |
$80,000 |
$150,000 |
$6,000 |
$715 |
|
|
$150/day per visit (up to $4,500) |
$30,000 |
$100,000 |
$10,000 |
$680 |
|
|
$200/day per visit (up to $5,000) |
$25,000 |
$100,000 |
$8,000 |
$450 |
|
|
$200/day per visit (up to $4,000) |
$30,000 |
$120,000 |
$5,000 |
$487 |
|
|
$180/day per visit (up to $3,000) |
$25,000 |
$100,000 |
$10,000 |
$300.3 |
|
|
$150/day per visit (up to $3,000) |
$20,000 |
$100,000 |
$3,000 |
$630.5 |
|
|
$210/day per visit (up to $4,000) |
$30,000 |
$200,000 |
$6,000 |
$730 |
|
|
$200/day per visit (up to $3,000) |
$80,000 |
$100,000 |
$10,000 |
$916 |
|
|
BOC - Smart Domestic Helper Insurance Plan (Comprehensive Plan) |
$200/day per visit (up to $3,500) |
$35,000 |
$200,000 |
$10,000 |
$750 |
|
$250/day per visit (up to $4,000) |
$150,000 |
$150,000 |
$5,000 |
$795 |
*Final premiums are subject to the insurance company's official pricing.
Frequently Asked Questions
What is the difference between Labor Insurance and Comprehensive Domestic Helper Insurance?
Labor insurance only covers compensation for injuries or death resulting from work-related accidents; whereas comprehensive Domestic Helper Insurance covers a wider range of items including outpatient care, hospitalization, dental care, fidelity guarantees, and even third-party liability.
What should I pay attention to when buying Domestic Helper Insurance?",
When purchasing Domestic Helper Insurance, in addition to considering the premium, coverage, and insured amount, you should also check if co-payments are required. What’s more, pay attention to the terms related to medical, hospitalization, and waiting periods.
