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.
Domestic Worker Protector (2.0)
Product Features
- Hospitalisation & Surgical Expenses - up to HKD30,000 per year
- Outpatient Expenses - up to HKD4,000 per year
- HKD4,000 for Fidelity Protection
- Only covers critical illness in Cancer and Heart
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
- Up to HKD25,000 for Hospitalisation & Surgical Expenses per year
- Outpatient Expenses - up to HKD3,000 per year
- HKD10,000 for Fidelity Protection
- Only covers critical illness in Cancer and Heart
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
- Up to HKD25,000 for Hospitalisation & Surgical Expenses per year
- Outpatient Expenses - up to 25 visits per year
- HKD6,000 for Fidelity Protection
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.
