Domestic Helper Insurance .

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In Hong Kong, it is a legal requirement that must insure our staff according to the Employees’ Compensation Ordinance and also to protect ourselves against common law claims for negligence in our treatment of the helper.

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, there will be no question of contributory negligence in an accident, no question about whether she/he was careless or not.

Is Helper cover only available in Domestic Helper Policies?

Actually, we provide a couple of home plans from AXA which both provide free for Employees’ Compensation cover :

  • AXA Captain’s and
  • AXA New Settlers (This plan ALSO includes free health and personal accidnet etc cover for ONE helper)

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 is that such cover may 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.

Information here is provided by Fair Employment Agency - a leader in providing fair and equitable hiring conditions for helpers in Hong Kong

UPDATE ON CORONVIRUS AFFECTING PHILIPPINE HELPERS c/o FAIR EMPLOYMENT AGENCY

The current coronavirus situation and the resulting travel ban by the Philippine Government are affecting many domestic workers and employers. Fair Employment Agency is actively monitoring for updates.
Important reads:

If you are relocating, and want to help your domestic worker to find a new employer:

  • Write a recommendation letter: A recommendation letter can go a long way on your worker's job search, and bring colour to their past experience.
  • Tell them about Fair Employment Agency: We never charge fees to workers, not in Hong Kong and not in the Philippines, no matter the contract status. Our team can help your domestic helper find a new employer, or help them to process their documents if they are able to find an employer on their own.
  • Here is information on terminating a contract: https://fairagency.org/answers/key-points-to-consider-upon-termination-of-contract/

About Fair Employment Agency: We're a nonprofit agency that helps employers hire great domestic helpers. We promise transparent pricing, ethical practices and the best team in town. Learn more: www.fairagency.org

Contact: Victoria Ahn

Senior Communications Manager

Fair Employment Foundation



Address: 5/F Connaught Harbourfront House, 35-36 Connaught Road West, Sheung Wan
Email: victoria@fairfoundation.org.hk
Phone: +852 3702 0389

Examples of Local Domestic Helper plans in Hong Kong:

AIG Insurance Hong Kong Limited

Download all as zip

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

Download all as zip

AXA General Insurance HK Ltd

Download all as zip

FWD General Insurance Co Ltd

Download all as zip

MSIG (Mitsui, Sumitomo Insurance Group)

Prudential

Download all as zip

QBE

Download all as zip

Tugu

Download all as zip

Zurich

Download all as zip

IF you are traveling abroad with your helper, it is important you extend your cover for work related injuries and make sure you have continued cover for your obligations, legally as an employer. Almost no Hong Kong insurers include overseas work cover in their domestic helper plans.

As far as dependable, quality health care is concerned, there are three options regularly chosen by our clients:

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.

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

Download all as zip

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