Helpersafe Domestic Helper Insurance Plan

Helpersafe Domestic Helper Insurance Plan

Our plan goes beyond safeguarding you against legal liabilities as an employer. It is designed to meet the needs of you and your domestic helper, making your life easier when the unexpected happens.

[Online Exclusive] Apply now with promo code "DH30" to enjoy 30% first time premium discount. Offer ends on December 1, 2024.  Terms and conditions apply.

Why should you choose Helpersafe?

Act as a safety net

Provide up to HKD 5,000 replacement expenses per policy year in case your domestic helper:
  • resigns within three months after inception of his/her first contract
  • committed dishonest act/fraud
  • has gone missing without notice
  • causes bodily injury to your family members due to negligence

Relieve your burden

Provide daily subsidy if your domestic helper:
  • is hospitalized for treatment or surgery for more than three consecutive days
  • suffers from cancer or heart diseases and requires prolonged medical leave of more than five consecutive days

Multiple coverages

  • Employer legal liabilities: Up to HKD 100,000,000 per event, in case your domestic worker is ill or injured
  • Fidelity benefit: Offer up to HKD 10,000 for losses from your domestic helper's fraud or dishonest acts
  • Medical expense benefit: In case your family members are injured due to intentional malicious acts of your domestic helper

Cover for postnatal care and part-time helpers

  • Flexible coverage period of one or two years, also suitable for part-time domestic helpers
  • Cover for postnatal care helper, with a minimum coverage period of three months

Flexible medical coverage

Other than Employees’ Compensation Insurance Plan, you can also choose our domestic helper insurance plan with medical coverage:
  • Enjoy both network and non-network outpatient medical benefits
  • No co-payment or claims submission is needed for network general practitioner visits
  • Up to HKD 80,000 hospitalization benefit per policy year
  • Optional benefit upgrade to protect against medical expenses incurred due to heart disease and cancer
Plan type Premium per domestic helper (HKD)
1 year 2 years
Helpersafe Domestic Helper Insurance Plan 946 1,798

• Optional Benefit (Classic)

150 300

300

600
Employees’ Compensation Insurance Plan 350 Not applicable

Premium including levy.

  1. For Employees’ Compensation Insurance Plan, only Employer’s Liability Benefit will be covered.
  2. Helpersafe Domestic Helper Insurance Plan is only applicable to overseas domestic helper who performs household work and/or domestic duties specified in the employment contract and the application is accepted by Zurich.
  3. The waiting period for Section 6 - Medical expense for domestic employee and Section 7 - Dental expenses benefits will be 15 days from the effective date of the policy. During such period, no benefit will be payable for any cause, other than in respect of an accident using non-network benefit.
  4. The waiting period for Section 11 - Optional benefit - heart disease and cancer cover will be 90 days from the effective date of the policy. During such period, no benefit will be payable for any cause.
  5. Coverage on medical expenses under Section 6(b) – Hospitalization expenses and Section 11 - Optional benefit – heart disease and cancer cover do not cover the first HKD 300 of each and every claim.
  6. Section 3 - Service interruption cover does not cover the first three days of hospitalization or first five days of medical leave.
  7. Section 7 - Dental expenses covers two thirds of most dental expenses, such as oral surgery, treatment of abscesses, X-rays, extractions or fillings. Dental expenses does not include the following treatment:
    • oral examination
    • scaling, polishing or cleaning
    • crowning and root canal treatment
    • orthodontic treatment of any kind
    • denture and prosthetic services such as bridges and crowns and braces
  8. Cancer coverage only covers the diagnosis of a malignant tumour characterized by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissue.

The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.