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

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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
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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
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Key Features of Domestic Helper Insurance

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Employee Compensation
Covers the employer’s legal liability for work-related injuries or death
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Personal Accident
Compensation for disability or death during the helper’s leave in Hong Kong
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Hospitalization & Surgery
Covers surgical fees and operating room costs during hospital stays
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Outpatient Care
Access to designated network doctors for general medical visits
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Household Integrity
Protection against losses from dishonest acts by the helper
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Replacement Helper Costs
Covers hiring expenses if the helper is injured, repatriated, or passes away
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Repatriation
Covers costs to return the helper or their remains home due to illness or death
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Helper’s Legal Liability
Covers third-party injury or property damage caused by the helper’s negligence

FAQs

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What is domestic helper insurance?

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What does domestic helper insurance typically cover?

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Insurance Guide

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