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?
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. |
- For Employees’ Compensation Insurance Plan, only Employer’s Liability Benefit will be covered.
- 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.
- 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.
- 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.
- 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.
- Section 3 - Service interruption cover does not cover the first three days of hospitalization or first five days of medical leave.
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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
- 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.