Many couples are busy with their careers and often hire part-time/domestic helpers to handle household chores. Even though these helpers work part-time or are hired on a one-time basis, if an accident occurs during their employment resulting in injury or death, the employer is legally responsible. Therefore, the law requires employers to purchase insurance for domestic helpers.
How is Domestic Helper Insurance different from Foreign Domestic Worker Insurance? What should you pay attention to when purchasing insurance? Today, Kwiksure will share the essential information on buying Domestic Helper Insurance.
Yes, according to the Employees' Compensation Ordinance, all employers must purchase labor insurance for their employees, and domestic helpers are no exception. Regardless of the length of their working hours, you need to buy labor insurance to cover the legal responsibility for work-related injuries.
Compared to Foreign Domestic Worker Insurance, Domestic Helper Insurance offers more limited coverage, mainly fulfilling the legal requirements under labor insurance. The coverage generally includes three main areas:
In terms of policy duration, Domestic Helper Insurance can be as short as one month, making it suitable for employers who do not frequently hire domestic helpers, such as for annual deep cleaning.
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Comparison of Domestic Helper Insurance and Foreign Domestic Worker Insurance |
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|
|
Domestic Helper Insurance |
Foreign Domestic Worker Insurance |
|
Covered Individuals |
Part-time helpers, domestic helpers, maternity care helpers |
Overseas domestic workers |
|
Employee Compensation |
Yes |
Yes |
|
Personal Accident Coverage |
Depends on policy terms |
Yes |
|
Personal Liability Coverage |
Depends on policy terms |
Yes |
|
Outpatient, Hospitalization |
No |
Yes |
|
Fidelity Guarantee |
No |
Yes |
|
Shortest Policy Duration |
One month |
One Year |
|
Employee Name Required for Policy |
No |
Yes |
|
Premium (HKD) |
From $150 |
From $400 |
The age of the insured domestic helper is generally required to be between 18 and 65 years old. However, different insurance companies may have varying age limits, so be sure to check the policy terms before purchasing.
The coverage of Domestic Helper Insurance is limited to specified routine household chores, such as cleaning, laundry, ironing, and changing bed linens. If the helper performs tasks outside this scope (e.g., car washing), the insurance may not cover any accidents that occur.
Each Domestic Helper Insurance policy covers only one address. If you need to clean multiple addresses, you must purchase a separate insurance policy for each location.
You should plan ahead and schedule the domestic helper's work in advance, as the policy cannot be altered after it becomes effective.
Unlike Foreign Domestic Worker Insurance, Domestic Helper Insurance operates on a non-nominal basis, meaning you do not need to provide the helper's name when purchasing the policy.
Many online platforms offer matching services for domestic helpers, but the fees often do not include the relevant insurance. After successfully booking a helper, remember to purchase Domestic Helper Insurance to avoid violating the law.
|
Insurance Company & Plan Name |
Shortest Policy Duration |
Employer Liability Compensation |
Personal Accident Coverage |
Personal Liability Coverage |
Premium (HKD) |
|
Dah Sing Insurance - Family Helper |
One year |
100 million |
Not applicable |
Not applicable |
$350 |
|
Bank of China - Smart Helper Insurance Plan |
One month |
100 million |
Not applicable |
$50,000 |
$150 |
|
FWD Insurance - Domestic Helper Insurance |
Three months |
100 million |
$20,000 |
$50,000 |
$199 |
|
Blue Cross - Helper Supreme (Plan A) |
One year |
100 million |
Not applicable |
Not applicable |
$297.5 |
|
Avo - Domestic Helper Insurance |
One year |
100 million |
Not applicable |
Not applicable |
$210 |
*Final premium is subject to the insurance company's official announcement.
Source: Labour Department
Kwiksure has over 20 years of experience in the domestic helper insurance industry, comparing quotes from over 60 insurers in Hong Kong. Use our online quotation tool now to get a free domestic helper insurance quote!
The above information is for reference only. Kwiksure takes no responsibility for the accuracy and timeliness of the information. For the coverage, mode of compensation, benefit limit and premium levels of any specific insurance plan, please refer to the relevant policy terms.
Eric is a content creator for Kwiksure, responsible for writing articles on various topics such as cars, travel, domestic helpers, etc., striving to provide readers with detailed and practical information.
With over 20 years of experience in the media industry and driving, Eric has worked for several newspapers, magazines, and online media outlets. Apart from his passion for writing, he also enjoys the pleasure that driving brings. On average, he drives over 40,000 kilometers per year.
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