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Domestic Helper Insurance Benefits

In Hong Kong, domestic helpers serve a vital role. They help us take care of our families and household chores, enabling us to focus on providing for our family’s financial future and spending quality time with our loved ones.

Our upgraded Domestic Worker Protector 2.0 insurance coverage enables you to not only meet your minimum legal obligations, but to take additional and proper care of those who care for your family by purchasing additional coverage for your helper’s hospitalization, surgical, outpatient and dental expenses.   Through three customized plans, AIG offers flexibility and varied options for domestic helper insurance. Cancer and Heart Disease cover is available with low additional premium, as is coverage for domestic helpers aged over 60 and with job duties related to doula, driving or gardening — all with premium loading.

  • Flexibility with 3 different plans
  • Cancer & Heart Disease cover with low additional premium
  • Helper over 60 may still get coverage with an additional premium
  • Job duties related to doula, driver or gardening also covered

Flexible Plans from HK$285

  • Employee compensation
  • Personal accident insurance
  • Hospitalization & Surgical Expenses
  • Repatriation Expenses
  • Clinical & Dental expenses
  • Fidelity Coverage
  • Replacement expenses
  • Temporary worker subsidy

*The above information is for reference only. Please refer to the policy documents for detailed terms and conditions and exclusions. For full benefit table and premium, please refer to our Product Brochure or click Buy Now.

 
 

CLICK TO COMPARE PLAN COVERAGE AND BENEFITS

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Maximum Benefits (HKD)

Plan Coverages Highlights

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*The above information is for reference only. Please refer to the policy documents for detailed terms and conditions and exclusions. For full benefit table and premium, please refer to our Product Brochure or click Buy Now.

table1
  Coverage Basic Plan Extra Care Plan Super Care Plan

1. Employees' Compensation

M

L

2. Personal Accident Insurance

m

l

X

3. Hospitalization & Surgical Expenses

m

l

X

4. Repatriation Expenses

m

l

X

5. Personal Effects

m

l

X

6. Fidelity Coverage

m

l

X

7. Clinical Expenses

m

l

X X

8. Dental Expenses

m

l

X X

9. Domestic Worker Liability

m

l

X X

10. Replacement Expenses

m

l

X X

11. Temporary Worker Subsidy

m

l

X X

Optional Supplementary

<>
table2
  Optional Supplementary Maximum Limit per Year (HK$)

Cancer & Heart Disease Medical Benefit

m

l

$100,000

Plan Coverages Highlights

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tabel1
  Coverage Basic Plan Extra Care Plan Super Care Plan

1. Employees’ Compensation

$100,000,000 / event $100,000,000 / event $100,000,000 / event

2(a). Personal Accident Insurance - Accidental Death & Dismemberment

m

l

X $120,000 $120,000

2(b). Personal Accident Insurance - Emergency Medical Expenses

m

l

X $20,000 $20,000

3(a). Hospitalization & Surgical Expenses - Daily Hospital Income

m

l

X $350 / day $350 / day

3(b). Hospitalization & Surgical Expenses - Surgical

m

l

X $16,000 $16,000

4(a). Repatriation Expenses - Upon medical unfitness including nervous or mental disease or disorder

m

l

X $3,000 $3,000

4(b). Repatriation Expenses - On the remains upon death

m

l

X $15,000 $15,000

5. Personal Effects

m

l

X $3,000 $3,000

6. Fidelity Coverage

X $4,000 $4,000

7. Clinical Expenses

X X $4,000

8. Dental Expenses

X X $2,000

9. Domestic Worker Liability

m

l

X X $100,000

10. Replacement Expenses

m

l

X X $6,000

11. Temporary Worker Subsidy

m

l

X $7,500 $7,500
 
 

Domestic Worker Insurance Plans

AIG aims to meet your individual needs by offering three customized domestic helper insurance plans.

The Basic Plan protects you, as the employer, against liability under the Employees Compensation Ordinance if your domestic worker sustains a bodily injury by accident or disease arising out of and throughout the course of employment in Hong Kong. It also covers you if your helper travels with you outside of Hong Kong for the first 5 days of the trip. This plan is most suitable for local part-time domestic helpers, maids and doulas.

 

  • Extra Care
    The Extra Care plan protects the employer against contractual liability for accidental injury and death, hospitalization and surgical expenses, fidelity coverage and repatriation expenses. This option is most suited to foreign domestic helpers
    >
  • VS
  • Super Care
    The Super Care plan is the most comprehensive option for domestic helper insurance, protecting the employer against contractual liability for clinical expenses and dental expenses in addition to hospitalization and surgical expenses, fidelity coverage and repatriation expenses. Foreign domestic helpers’ clinical expenses are also covered for treatment provided by a registered Chinese Medicine Practitioner and Bonesetter.
    >

Cancer and Heart Disease Endorsement is available as an additional option, protecting your helper for treatment of a serious illness.*

*Only available as an additional option to the Extra Care and Super Care plans for 1-year and 2-year premiums, offering flexibility in arranging the policy according to contractual terms of employment. The additional offer is applicable only to foreign domestic helpers aged 18-64; those aged 60 and above will be subject to additional loading of premiums.

 

 
 

How To Buy

Clients can receive a quote, choose and purchase a domestic helper insurance plan in real time with the best rates. 

  • Get a quote
    1

    Step 1. Provide personal and helper details

    Enter details about yourself and your domestic helper.

  • Get a quote
    2

    Step 2. Select the preferred plan

    Choose the Basic, Extra Care or Super Care plan.

  • Get a quote
    3

    Step 3. Provide payment

    Make payment using your preferred payment method.

  • Get a quote
    4

    Step 4. Rest easy

    Once your online payment has been verified, your new policy will be issued.

 
 

Why AIG?

With claim service protecting the flat owner, AIG provides employers with flexible domestic helper insurance. Building on our solid financial foundation, professional risk analysis and management expertise, we help reduce our customer's worries about the future. We aim to become the most useful insurance company in the minds of our clients, providing exceptional value and convenience.

 
 

FAQs

As an employer, you are required take out employees’ compensation insurance to cover your liabilities for your helper’s injuries at work. This is a requirement under the Employees’ Compensation Ordinance and foreign domestic helpers are entitled to the same benefits and protection under the Employment Ordinance. Failure to do so is an offence in law, punishable by a fine and imprisonment.

You are also required to provide free medical treatment to your foreign domestic helper according to the standard employment contract, which is another reason it is advisable for you to apply for a Domestic Worker Protector to cover the related medical expenses when they arise.

These legal obligations aside, however, buying the right coverage for the domestic helpers who help take care of your family is the right thing to do.

We have age limit for application for insured helpers:

                (a) Aged between 18 and 60 on inception of the policy

                (b) Aged 61 to 64 are subject to underwriting approval and loading

This policy does not cover any domestic helpers who are aged above 64 except in the case subsequent insurance renewals where the insurance policy was first purchased before the domestic helper reached this age.

This Policy covers the following geographical area:

        (a) Hong Kong

        (b) Worldwide when accompanying the policyholder on oversea trips, but only for the first 5 days for such trip in the policy year.

Yes, there is a 14-day waiting period for the hospital, dental and clinical benefits.

No. You can simply change your insured helper under your existing policy. No new application is required. Instead you can simply write to us, giving details of the new helper who is to be insured under the policy, cs.hk@aig.com. Your new helper will then be named in the Schedule to your policy. During the remaining period of insurance under the policy, the same benefits shall be payable in respect of the new insured helper as named in the Schedule, less any amount already paid under the policy for your previous helper.

The policy may be cancelled at any time at the request of the Insured in writing to AIG Insurance Hong Kong Limited. Provided no claim has arisen during the policy year, the policyholder shall be entitled to a partial refund of the total premium paid during the current insurance period as per the Short Term Premium Refund Table stated on the policy provisions, subject to the retaining minimum amount of HK$300 from the premium paid.

Each Domestic Worker Protector policy covers one insured helper only.

The hospital and clinical expenses do not cover cancer or heart disease. However, they could be covered by paying an additional premium:

  • One-year premium: HK$300
  • Two-year premium: HK$540