Domestic Helper Insurance | Instant Quotes | Kwiksure

Q: What does domestic helper insurance typically cover?

Domestic helper insurance usually includes: Personal Accident Coverage: Medical expenses and disability benefits from work-related accidents Third-Party Liability: Protection against claims from third parties for injury or property damage Employer's Liability: Coverage for incidents where the employer is held responsible

What Is Domestic Helper Insurance?

Domestic Helper insurance provides coverage for foreign domestic helpers, household assistants, and hourly workers in Hong Kong.

Coverage includes:

Medical Expenses
Accidents & Hospitalizations
Employer’s Legal Liability

From HK$585, you can protect your home and your helper

A Guide to Domestic Helper Insurance Plans

Household helpers play a vital role in keeping our homes running smoothly. To protect both employers and helpers, Hong Kong law requires insurance coverage for domestic workers.

Employee Compensation Insurance (Statutory Requirement) - This mandatory coverage under the Hong Kong Employment Compensation Ordinance ensures employers are protected if a domestic helper suffers illness or injury during work.
Comprehensive Domestic Helper Insurance (Enhanced Protection) - Go beyond the basics with broader coverage designed for overseas domestic helpers working in Hong Kong.

Employee Compensation Insurance

Type: Statutory Insurance under the Hong Kong Employees’ Compensation Ordinance

Coverage includes:

Medical expenses
Consultation fees
Paid sick leave

Waiting period: 2 weeks

Eligibility: All domestic helpers in Hong Kong

Comprehensive Domestic Helper Insurance

Type: Optional insurance offering enhanced protection

Coverage includes:

Medical benefits
Personal accident coverage
Income replacement
Repatriation expenses
Costs for hiring a replacement helper
Service interruption benefits
Household allowance
Identity protection
Loan protection

Waiting Period: Some benefits may begin immediately

Eligibility: Overseas domestic helpers working in Hong Kong

Key Features of Domestic Helper Insurance

Employee Compensation

Covers the employer’s legal liability for work-related injuries or death

Personal Accident

Compensation for disability or death during the helper’s leave in Hong Kong

Hospitalization & Surgery

Covers surgical fees and operating room costs during hospital stays

Outpatient Care

Access to designated network doctors for general medical visits

Household Integrity

Protection against losses from dishonest acts by the helper

Replacement Helper Costs

Covers hiring expenses if the helper is injured, repatriated, or passes away

Repatriation

Covers costs to return the helper or their remains home due to illness or death

Helper’s Legal Liability

Covers third-party injury or property damage caused by the helper’s negligence

FAQs

What is domestic helper insurance?

Domestic helper insurance provides coverage for individuals who work as domestic helpers, including personal accident coverage and third-party liability protection while performing their duties.

What does domestic helper insurance typically cover?

Domestic helper insurance usually includes:

Personal Accident Coverage: Medical expenses and disability benefits from work-related accidents
Third-Party Liability: Protection against claims from third parties for injury or property damage
Employer's Liability: Coverage for incidents where the employer is held responsible

Who needs domestic helper insurance?

Domestic helpers, maids, cooks, and other household workers who are employed by families or individuals should have this coverage to protect themselves while working in private homes.

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