[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"domestic-helper-faqs":3,"domestic-hero-banner-en":57,"sections-insurpedias:en:\u002Fdomestic-helper-insurance":58},{"scope":4,"path":5,"categories":6,"faqs":46,"script":54},"page","\u002Fdomestic-helper-insurance\u002F",[7],{"id":8,"slug":9,"title":10,"list_order":8,"faqs":11},5,"domestic-helper-insurance","Domestic Helper Insurance",[12,17,22,27,32,36,41],{"id":13,"question":14,"answer_html":15,"list_order":16},21,"What is domestic helper insurance?","\u003Cp>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.\u003C\u002Fp>",1,{"id":18,"question":19,"answer_html":20,"list_order":21},22,"What does domestic helper insurance typically cover?","\u003Cp>Domestic helper insurance usually includes:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>Personal Accident Coverage\u003C\u002Fstrong>: Medical expenses and disability benefits from work-related accidents\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Third-Party Liability\u003C\u002Fstrong>: Protection against claims from third parties for injury or property damage\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Employer's Liability\u003C\u002Fstrong>: Coverage for incidents where the employer is held responsible\u003C\u002Fli>\n\u003C\u002Ful>",2,{"id":23,"question":24,"answer_html":25,"list_order":26},23,"Who needs domestic helper insurance?","\u003Cp>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.\u003C\u002Fp>",3,{"id":28,"question":29,"answer_html":30,"list_order":31},50,"If my domestic helper suddenly falls ill or is hospitalised, will domestic helper insurance cover outpatient or surgical expenses?","\u003Cp>Yes, but this depends on the type of plan purchased. Basic Employees' Compensation (EC) insurance only covers medical expenses arising from work-related injuries. If you purchase comprehensive domestic helper insurance, the coverage can extend to outpatient treatment for non-work-related conditions, hospitalisation and surgical expenses, dental treatment, and other medical expenses, helping to reduce unexpected healthcare costs for employers.\u003C\u002Fp>",4,{"id":33,"question":34,"answer_html":35,"list_order":8},51,"Does domestic helper insurance cover critical illnesses?","\u003Cp>Standard domestic helper insurance generally covers basic medical expenses such as outpatient treatment, hospitalisation and dental care, but coverage for major illnesses such as heart disease or cancer may be limited. Employers may consider adding critical illness coverage for more comprehensive protection.\u003C\u002Fp>",{"id":37,"question":38,"answer_html":39,"list_order":40},52,"If my domestic helper terminates their employment, absconds or unfortunately passes away, will the insurance cover the cost of hiring a replacement helper?","\u003Cp>Yes. Most comprehensive domestic helper insurance plans include replacement helper expenses coverage. If the helper is repatriated to their place of origin due to illness or an accident, passes away during the employment period, or needs to be replaced due to specified circumstances, the insurer will reimburse the employer for administrative and related expenses incurred in completing the necessary procedures and hiring a replacement foreign domestic helper.\u003C\u002Fp>",6,{"id":42,"question":43,"answer_html":44,"list_order":45},53,"If my domestic helper steals from my home or causes damage to a third party's property, will the insurance cover the loss?","\u003Cp>Comprehensive domestic helper insurance generally includes domestic helper fidelity coverage, which provides compensation for financial losses caused by dishonest acts such as theft or fraud by the helper.\u003C\u002Fp>\n\u003Cp>\u003Cbr>It also normally includes domestic helper liability coverage, which covers the employer's legal liability if the helper accidentally causes bodily injury to a third party or damages their property while performing work duties.\u003C\u002Fp>",7,[47,48,49,50,51,52,53],{"id":13,"question":14,"answer_html":15,"list_order":16},{"id":18,"question":19,"answer_html":20,"list_order":21},{"id":23,"question":24,"answer_html":25,"list_order":26},{"id":28,"question":29,"answer_html":30,"list_order":31},{"id":33,"question":34,"answer_html":35,"list_order":8},{"id":37,"question":38,"answer_html":39,"list_order":40},{"id":42,"question":43,"answer_html":44,"list_order":45},{"type":55,"content":56},"application\u002Fld+json","{\"@context\":\"https:\u002F\u002Fschema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is domestic helper insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.\"}},{\"@type\":\"Question\",\"name\":\"What does domestic helper insurance typically cover?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Domestic helper insurance usually includes:\\n\\nPersonal Accident Coverage: Medical expenses and disability benefits from work-related accidents\\nThird-Party Liability: Protection against claims from third parties for injury or property damage\\nEmployer's Liability: Coverage for incidents where the employer is held responsible\"}},{\"@type\":\"Question\",\"name\":\"Who needs domestic helper insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.\"}},{\"@type\":\"Question\",\"name\":\"If my domestic helper suddenly falls ill or is hospitalised, will domestic helper insurance cover outpatient or surgical expenses?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, but this depends on the type of plan purchased. Basic Employees' Compensation (EC) insurance only covers medical expenses arising from work-related injuries. If you purchase comprehensive domestic helper insurance, the coverage can extend to outpatient treatment for non-work-related conditions, hospitalisation and surgical expenses, dental treatment, and other medical expenses, helping to reduce unexpected healthcare costs for employers.\"}},{\"@type\":\"Question\",\"name\":\"Does domestic helper insurance cover critical illnesses?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Standard domestic helper insurance generally covers basic medical expenses such as outpatient treatment, hospitalisation and dental care, but coverage for major illnesses such as heart disease or cancer may be limited. Employers may consider adding critical illness coverage for more comprehensive protection.\"}},{\"@type\":\"Question\",\"name\":\"If my domestic helper terminates their employment, absconds or unfortunately passes away, will the insurance cover the cost of hiring a replacement helper?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Most comprehensive domestic helper insurance plans include replacement helper expenses coverage. If the helper is repatriated to their place of origin due to illness or an accident, passes away during the employment period, or needs to be replaced due to specified circumstances, the insurer will reimburse the employer for administrative and related expenses incurred in completing the necessary procedures and hiring a replacement foreign domestic helper.\"}},{\"@type\":\"Question\",\"name\":\"If my domestic helper steals from my home or causes damage to a third party's property, will the insurance cover the loss?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Comprehensive domestic helper insurance generally includes domestic helper fidelity coverage, which provides compensation for financial losses caused by dishonest acts such as theft or fraud by the helper.\\nIt also normally includes domestic helper liability coverage, which covers the employer's legal liability if the helper accidentally causes bodily injury to a third party or damages their property while performing work duties.\"}}]}",null,[59,74,86],{"id":60,"slug":61,"released_at":62,"thumbnail":63,"title":67,"short_desc":57,"des_html":68,"blog_categories":69},40,"part-time-domestic-helpers-insurance-cost","2024-06-20",{"id":64,"src":65,"alt":66},"9f315eb4-d1d8-4b57-8644-c0cea4f1e133","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002FKS_thumbnail_202406_helper.webp","【家務助理\u002F鐘點工人】6間家務助理收費比較｜工作範圍｜額外服務加幾錢?","[Household Assistants\u002FHourly Workers] Comparison of 6 Household Assistance Services: Charges, Scope of Work, and Additional Services Costs","\u003Cp>In Hong Kong, where people often work long hours and return home to manage various household tasks, hiring a household assistant or hourly worker can significantly reduce the burden. Several institutions offer household assistant or hourly worker services in Hong Kong. Here, we compare the charges and scope of work for six of these services and also look at the costs for additional services.\u003C\u002Fp>",[70],{"id":8,"slug":71,"color_hex":72,"title":73},"maid","#F07000","Domestic helper",{"id":75,"slug":76,"released_at":77,"thumbnail":78,"title":82,"short_desc":57,"des_html":83,"blog_categories":84},210,"domestic-helper-maid-driver-hong-kong","2021-11-15",{"id":79,"src":80,"alt":81},"9f4cf880-7083-4e5b-80c2-0f287e631db2","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002Fdomestic-helper-maid-driver-hong-kong.webp","外傭姐姐可否兼任司機揸車？如出事保險有無得賠？","Can your foreign domestic helper double as your driver?","\u003Cp>A car accident occurred a few years ago in Lan Kwai Fong, Central, in which a vehicle rolled down a slope and injured eight passers-by. The female driver was later confirmed to be a foreign maid. She was accused of causing an accident by failing to tighten the handbrake while parking on an incline, and is now charged with causing death by dangerous driving. The incident has also raised the question: are foreign domestic helpers allowed to serve as drivers? If so, how do they qualify for the role? Today, our experts at Kwiksure will go over the related requirements and application process.\u003C\u002Fp>",[85],{"id":8,"slug":71,"color_hex":72,"title":73},{"id":87,"slug":88,"released_at":89,"thumbnail":90,"title":94,"short_desc":57,"des_html":95,"blog_categories":96},243,"local-domestic-helper-insurance","2024-05-14",{"id":91,"src":92,"alt":93},"9f4ee520-b5ed-4b57-8b79-040e60d8f5b7","https:\u002F\u002Fcms-api.primecaremember.com\u002Fassets\u002Fimages\u002FHelper-Insurance-820x453%20%281%29.webp","鐘點適用 l 家務助理保險2025｜做錯 6 樣嘢隨時唔受保｜做一日都要買","[Suitable for Part-Time Helpers] Domestic Helper Insurance 2025 | 6 Mistakes That Could Void Your Coverage | Even One Day of Work Requires Insurance","\u003Cp>Many couples are busy with their careers and often hire part-time\u002Fdomestic 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.\u003C\u002Fp>\n\u003Cp>How is Domestic Helper Insurance different from Foreign Domestic Worker Insurance? What should you pay attention to when purchasing insurance? Today, \u003Ca href=\"https:\u002F\u002Fwww.kwiksure.com\u002Fzh\u002F\" target=\"_blank\" rel=\"noopener\">Kwiksure\u003C\u002Fa> will share the essential information on buying Domestic Helper Insurance.\u003C\u002Fp>",[97],{"id":8,"slug":71,"color_hex":72,"title":73}]