Maid Insurance Claims
Domestic Helper Claims Forms:
Domesitc Helper General Claim Advice
Submit the receipt and completed claim form (some insurance companies do not require a claim form). The receipt must bear the following information:
- Name of the Domestic Helper;
- Diagnosis of visit;
- Date of visit;
- All charges;
In case your insurance company does not require a claim form for outpatient claims, you should write down the policy number and the name of the policy holder on the back of the receipt.
Submit the receipts and completed claim form. The receipts and claim form must bear the following information:
- Name of the Domestic Helper, sex and age;
- Date of admission and discharge;
- Diagnosis of disability requiring the hospitalization and name of surgical procedures performed (if any);
- Itemization of charges;
- Hospital chop, doctor's name and signature;
In the event of an accident, please submit a completed claim form and a copy of the related form from the Labour Department to the insurance company. Be aware that according to the Employees' Comprehensive Ordinance, you have to notify the Labour Department about any accident.
If an employee sustains an injury or dies as a result of an accident arising out of and, in the course of, his/her employment, his/her employer is generally liable to pay compensation under this Ordinance even if the employee might have committed acts of fault or negligence when the accident occurred.
The employer must notify the Commissioner for Labour of any accident or occupational disease in the following manner:
- If the accident results in fatality, notice must be given on Form 2 or 2A, as the case may be, within 7 days of the accident;
- If the accident results in total or partial incapacity of the employee for not exceeding 3 days, notice must be given on Form 2B within 14 days of the accident. However, if the incapacity exceeds 3 days, notice must be given on Form 2 or 2A, as the case may be, within 14 days of the accident; and
- If the employer is not aware of the happening of the accident within the respective periods, he/she must notify the Commissioner for Labour within 7 or 14 days, as the case may be, after the accident came to his knowledge.
Any employer who, without reasonable excuse, fails to give notice of an accident or makes / furnishes any false or misleading statement to the Commissioner for Labour commits an offence and is liable to a Level 5 fine of HK$50,000.
Accident claims should be settled in the following manner:
- Direct Payment
If the accident incapacitates the employee for not more than 3 days and does not result in permanent incapacity, the employer should make compensation for temporary incapacity on the employee's normal payday. The employer should also pay the medical expenses concerned.
- Direct Settlement
For injuries involving only temporary incapacity for a period exceeding 3 days but not exceeding 7 days, the employer may directly agree with the employee as to the compensation payable and make such payment on or before the employee's normal pay day. The employer should also pay the medical expenses concerned.
- Settlement by Certificate
For other cases, the Employees' Compensation Division of the Labour Department will issue to the employer and the employee a Certificate of Compensation Assessment (Form 5) stating the amount of compensation payable. If the injury results in temporary incapacity only, the certificate will be issued after medical clearance. If the injury is likely to result in permanent loss of earning capacity, the employee concerned will be referred to the Employees' Compensation Assessment Board for assessment and the certificate (Form 5) will be issued after the Certificate of Assessment (Form 7, 8, 9 or 10) is issued by the Assessment Board.
Any objection to the assessment by either party must be made in writing to the Commissioner for Labour within 14 days after the issue of the certificate, with a copy of the objection notice sent to the other party. Upon receipt of the objection notice, the Employees' Compensation Division will review its assessment and issue a Certificate of Review of Compensation Assessment (Form 6) to both parties.
The employer should pay the employee, within 21 days from the date of issue of the certificate, the amount of compensation, or any outstanding amount, stated in the certificate. The employer should also pay the medical expenses concerned.