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Key Features
Employer Protection
HK$100M liability coverage + replacement cost reimbursement
Flexible Medical Care
20 network GP visits or HK$3,000 non-network coverage
Daily Subsidy
HK$200/day during helper’s hospitalization or medical leave
Serious Illness Cover
Optional cancer & heart disease protection (+HK$0.5/day)
Fast Claims
Online submission with 7-day processing & direct bank transfer
Family Protection
Coverage for injuries caused by helper’s malicious acts
Comprehensive Benefit Coverage
| Section | Coverage Details | Maximum Benefit |
|---|---|---|
| 1. Employer’s Liability | Legal liabilities as employer | HK$100M per event |
| 2. Replacement Expenses | Replacement domestic helper costs | HK$5,000/year |
| 3. Service Interruption | Daily subsidy during helper’s absence | HK$200/day (max 30 days) |
| 4. Fidelity Protection | Losses from dishonest acts | HK$10,000/year |
| 5. Family Medical Expenses | Injuries from helper’s malicious acts | HK$5,000/year |
| 6. Medical Expenses | Outpatient Care | |
| Non-Network Providers |
• Annual limit: HK$3,000 • GP: HK$200/visit (full coverage) • Specialist/Chiropractor: HK$250 co-payment • Physio/TCM: HK$100 co-payment (max HK$500/year) • 1 visit/day maximum |
|
| Network Providers |
• 20 visits/year maximum • GP: No co-payment required • Specialist/Chiropractor: Requires referral • Virtual consultations available • Medicine delivery included • No claims submission needed |
|
| Hospitalization | ||
| Room & Board | HK$300/day | |
| Surgical Procedures | HK$15,000/operation | |
| Annual Limit | HK$80,000/year | |
| Deductible | First HK$300 per claim | |
| 7. Dental Expenses | Basic dental treatments (excludes cleaning/crowns) HK$2,000/year | |
| 8. Personal Accident | Accidental death/disability | HK$100,000 |
| 9. Repatriation Cost | Medical repatriation | HK$10,000/year |
| 10. Helper’s Liability | Legal liabilities of helper | HK$100,000/event |
| 11. Optional Cover | Heart Disease & Cancer (Classic/Deluxe) | HK$50K-100K/year |
Premium Structure
| Coverage Option | 1 Year (HKD) | 2 Years (HKD) |
|---|---|---|
| Basic Insurance Plan | 946 | 1,798 |
| + Heart/Cancer (Classic) | 150 | 300 |
| + Heart/Cancer (Deluxe) | 300 | 600 |
| Employees’ Compensation | 350 | N/A |
* All premiums include insurance levy
Frequently Asked Questions
Q: What’s the waiting period for medical coverage?
A: 15 days for general medical expenses, 90 days for heart/cancer coverage
Q: Are pre-existing conditions covered?
A: No, all pre-existing conditions are excluded
Q: How to submit claims?
A: Through online eClaim platform with digital submission
Q: What dental treatments are excluded?
A: Cleaning, crowning, orthodontics, and dentures
Q: Is pregnancy covered?
A: No, all pregnancy-related conditions are excluded
