Domestic Helper Insurance

Introduction

Our legal obligations to insure our liabilities

In Hong Kong, the law states we must insure our staff according to the responsibilities laid on us by the Employees’ Compensation Ordinance and also to protect ourselves against claims of negligence in how we train and equip our staff for their work.

What if my helper is at fault?

The Employees' Compensation Ordinance provides no fault cover.

So if you tell your helper NOT to cross the street other than at a Zebra crossing while out walking your dog, there will be no question of contributory negligence in an accident, no question about whether she/he was careless or not.

(Incidentally, if the dog bites someone, make sure you have a robust liability cover in place.. Do talk to us about the home plans that provide this cover)

Is Helper cover only available in Domestic Helper Policies?

Actually, number of the better quality home plans such as :

all include free cover for the Employees’ Compensation Ordinance.

AXA’s New Settlers includes also a small amount of general medical and accident cover.

AXA’s New Settlers home plan is typical of most plans in the market in that it provides a small degree of cover for many things, but little of anything substantive. For example, with just HKD30,000 in medical bills for an entire policy year, you are going to be very very fortunate if this is all you need.

Recently a number of insurers have launched helper plans with cover for cancer, which had previously been excluded from cover.

The trouble is that the HKD70,000- 100,000 they offer will possibly last only a couple of weeks for outpatient treatment.

Our Advice

Our advice is that you take the compulsory insurance for a legally employed local or overseas helper and even for a staff you illegally hire.

Reason is that if your staff is injured in your employ, a court will probably first ask questions as to whether you insured your staff, ahead of any questions about the legality of the employment.

If your really care to give your helper access to private medical care, a genuine health, rather than helper policy is the only answer. Please see below for a selection of more comprehensive helper health insurance options.

More comprehensive Helper Health Options.

BUPA's International Health and Hospital Plan (IHHP)

For those of our clients who spend extended periods with their helper traveling, or who simply want cover the peace of mind knowing their helper has cover for bigger bills, they will typically take the BUPA International IHHP Hospital only plan with USD10,000 deductible.

AXA SmartCare Optimum

For those who spend most of their time in Hong Kong, the choice will often between the AXA Optimum, perhaps with hospital cover only, or alternatively the GenHealth from Generali. The Generali plan is more troublesome for claims due to its many limitations.

For the AXA, the Semiprivate 'Deluxe' plan provides HKD2.5m in Hospital expenses and HKD100,000 in outpatient benefits.. Some caps of concern, however are the fact that :

Assicurazioni Generali S.p.A. (Generali) GenHealth

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Examples of Local Domestic Helper plans in Hong Kong:

AIG Insurance Hong Kong Limited

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Allied World Assurance Company Holdings, AG - This is the only plan with network/ cashless billing at SELECT clinics in HK

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AXA General Insurance HK Ltd

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FWD General Insurance Co Ltd

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MSIG (Mitsui, Sumitomo Insurance Group)

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Prudential

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QBE

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Tugu

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Zurich

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Comparison of Leading Plans

https://www.navigator-insurance.com/comparison-helper

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