Domestic Helper Insurance .


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
  • AXA New Settlers (This plan ALSO includes free health and personal accident 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


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:

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:

Contact: Victoria Ahn

Senior Communications Manager

Fair Employment Foundation

Address: 5/F Connaught Harbourfront House, 35-36 Connaught Road West, Sheung Wan
Phone: +852 3702 0389

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 legal obligations as an employer.

At the time of writing (October 2020) .. only two insurers of which we are aware, are prepared to offer to extend their Domestic Helper plans to cover overseas working.. ie.

  • AXA General &
  • FWD General

AXA permits extension of Employees' Compensation cover outside Hong Kong for a maxium of one month, whereas FWD has no such restriction.

AXA General Domestic Helper Documents (Missing)

FWD General Domestic Helper Documents (Missing)

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

Foyer Sante

Foyer Sante's 'Essential' is popular with employers more focused on providing a top up to a local Domestic Helper plan. Mostly our clients choose the option of EUR1000 outpatient deductible.

Examples of approximate annual premiums (October 2020) with NO deducible as below

Age Annual Premium

35 EUR2,200

40 EUR2,900

45 EUR3,250

You will save around 30% of this premium, if you choose the EUR1,000 deductible.

Foyer Sante Global Health Documents (Missing)

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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong