Employees' Compensation Insurance

The Employees' Compensation Ordinance of Hong Kong (Chapter 282 of the Laws of HK) applies to all full time or part-time employees who are employed under contracts of service or apprenticeship.

The law applies to employees employed in Hong Kong and outside Hong Kong.

All employers are required to take out insurance policies to cover their liabilities both under

  • the Ordinance and
  • at common law

for injuries at work in respect of all their employees.

For Domestic helpers it is important to check if your plan covers 'working overseas' if your helper(s) accompany you on a trip.

Irrespective of whether an accident or occupational disease will result in ANY liability to pay compensation, Section 15 of the Ordinance requires employers to notify the Commisisoner of Labour as follows:

Affliction Resulting in Notice Period Form
Work Injury
Incapacity for less than 3 days
Within 14 days
Form 2B
Incapacity for greater than 3 days
Form 2
Death Within 7 days
Occupational Disease
Incapacity Within 14 days
Form 2A
Death Within 7 days

Any employer who fails without reasonable excuse to meet the deadlines as above, is liable to a fine of up to HKD50,000.

Levels of Compensation

Revised Levels of Compensation under ECO with effect from 5 March 2015
Item under ECO Existing Level ($) Revised Level with effective from 5 March 2015 ($)
1 Ceiling of monthly earning s for calculating compensation for death and permanent total incapacity

23,580

26,070

2 Minimum compensation for death

340,040

375,950

3 Minimum compensation for permanent total incapacity

386,110

426,880

4 Compensation for employee requiring attention

462,890

511,770

5 Minimum amount of surcharge on late payment of compensation
- Initial surcharge
- Further surcharge


550
1,100


610
1,220

6 Maximum amount of funeral expense

70,000

76,220

7 Cost of supplying and fitting a prosthesis or surgical appliance

33,460

36,430

8 Cost of the repair and renewal of a prosthesis or surgical appliance

101,390

110,390

9 Minimum monthly earnings for calculating employees' compensation

3,490

3,690

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