Domestic Helper Insurance

In Hong Kong, domestic helper insurance refers to the mandatory insurance coverage that employers must provide for their domestic helpers, also known as foreign domestic workers. It is a type of insurance designed to protect domestic helpers in the event of work-related injuries or accidents.

Employers are responsible for arranging and paying for the EC Insurance on behalf of their domestic helpers. Failure to comply with the legal requirement can result in penalties and legal consequences.

It’s important for employers to ensure they have the appropriate insurance coverage to protect their domestic helpers and comply with the law. Employers should consult with insurance providers or employment agencies to obtain the necessary insurance coverage and understand the requirements and costs involved.

Alternatively, reach out to us to find out more and get a free quote now!

Learn more about the insurers that provide this product:

Saving You Time & Money Shopping Insurance: Check our Comparisons below for this product or contact us to find out more!

Domestic Helper Insurance Comparison

Domestic Worker Protector (2.0)

Product Features

Types of Plans

AIG Domestic Worker Insurance offers a Basic Plan, an Extra Care Plan, and a Super Care Plan.

Home Helper Plus

Product Features

Types of Plans

Besides Zurich's "HomeHelperPlus Insurance Plan", you can also opt for "Employees' Compensation Insurance Plan", which fits employers with local part-time domestic helper.

Maidguard

Product Features

Types of Plans

Allied World offers three different levels of coverage. There is a two- year plan, where there is an EXTRA premium discount for a one-time payment for a two-year contract, as well as saving you the trouble of renewing the insurance plan every year.

Looking for a different kind of Employees Compensation Insurance?

Get Free Insurance Quotes

Fill out our inquiry form, and we'll identify the perfect policy to suit your requirements and lifestyle.

Emergency Hotline: +852 2530 2530

Domestic Helper Insurance Insights

About DH Insurance in Hong Kong

In Hong Kong, domestic helper insurance is a mandatory and crucial aspect of employing foreign domestic helpers. Employers are obligated to provide medical insurance coverage for their domestic helpers, encompassing both outpatient and inpatient medical expenses, including hospitalization and surgical procedures. Additionally, employers have the option to extend the coverage to include personal accident insurance and third-party liability insurance. Personal accident insurance covers disability or death resulting from accidents, while third-party liability insurance protects against damages or injuries caused by the domestic helper to others. However, insurance providers often exclude pre-existing medical conditions from coverage. The cost of domestic helper insurance can vary depending on the extent of coverage and the chosen insurance provider.

Insurance for your Domestic Helper is your/ an Employers' responsibility.

Employers are responsible for paying the insurance premium separately from the domestic helper’s salary. The Hong Kong government strictly enforces this requirement, and compliance with the law is essential to avoid penalties or legal consequences. To ensure transparency and clarity, the specifics of the insurance coverage should be explicitly stated in the employment contract between the employer and the domestic helper.

Domestic Helper Insurance FAQs

Can domestic helpers purchase their own insurance?

In most cases, domestic helpers rely on their employers to provide insurance coverage as it is a mandatory requirement for employing FDHs in Hong Kong. However, helpers should confirm this with their employer before accepting the job offer.

What happens if an employer does not provide insurance for their domestic helper?

Non-compliance with the requirement to provide insurance for domestic helpers can result in penalties and even legal consequences.

Are there any specific clauses that must be included in the employment contract regarding insurance?

Yes, the details of the insurance coverage should be clearly stated in the employment contract between the employer and the domestic helper to ensure transparency and avoid disputes in the future.