*Terms and conditions

AIG Domestic Worker Insurance

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.

AIG Domestic Worker 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 medical coverage for your helper’s hospitalization, surgical, outpatient and dental expenses.  We offers flexibility with three plans and varied options for domestic helper insurance. We also provide coverage for domestic helpers aged over 60 and with job duties related to doula, driving or gardening.

Flexibility with 3 different plans
Optional Cancer & Heart Disease Cover available
Cover helper aged over 60^
Workers including doula (post-natal care), driver and gardener are also covered

^Additional premium may be required. 

#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 Product Brochure or click Buy Now.   

Ensure you are covered should your domestic worker be diagnosed with an infectious disease

You and your domestic worker can enjoy multiple benefits including hospitalization & surgical expenses, repatriation expenses, clinical expenses, temporary worker subsidy and replacement expenses as a result of illness arising from vaccination, or if your domestic worker is diagnosed with infectious disease including COVID-19.*

Ensure you and your domestic worker are covered, starting from today.

*Extra Care and Super Care Plan only. For details about coverage and claims related to COVID-19, please refer to Terms & Conditions.

Plan Coverage

Coverage Basic Plan Extra Care Plan Super Care Plan
Maximum Limit (HK$)
Employees' Compensation $100,000,000 $100,000,000 $100,000,000
Personal Accident Insurance - Accidental Death & Dismemberment X $120,000 $120,000
Personal Accident Insurance - Emergency Medical Expenses X $20,000 $20,000
Hospitalization & Surgical Expenses X $30,000 $30,000
Repatriation Expenses - Upon medical unfitness X $3,000 $3,000
Repatriation Expenses - On the remains upon death X $15,000 $15,000
Personal Effects X $3,000 $3,000
Fidelity Coverage X $4,000 $4,000
Clinical Expenses X X $4,000
Dental Expenses X X $2,000
Domestic Worker Liability X X $100,000
Replacement Expenses X X $6,000
Temporary Worker Subsidy X X $7,500

*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.

(Applicable to Extra Care Plan and Super Care Plan only)

Optional Supplementary Maximum Limit per Year (HK$)
Cancer & Heart Disease Medical Benefit^ $100,000

If you choose this optional benefit, Hospitalization & Surgical Expenses Benefit will cover the hospital and surgical expenses you incur as a result of your domestic worker being diagnosed with cancer & / or heart disease, up to HK$100,000 per year. 

Protect your domestic worker all-round with Super Care Plan

Your daily routine could be affected should your domestic worker get ill. Our Super Care Plan does not only offer all-round medical cover for worker, but also benefits for you as an employer to get a temporary worker or replacement when you need an extra pair of hands. 

Choose Super Care Plan today and enjoy the full benefits.

Medical Cover for Domestic Worker

Replacement Cover for you as an employer

Top up Cancer & Heart Disease Medical Benefit with just additional HK$300

With only HK$300 more, you can add on the optional Cancer and Heart Disease Medical Benefit, protecting your worker for treatment of a critical illness.*

We will cover the hospital and surgical expenses you incur as a result of your domestic worker being diagnosed with cancer & / or heart disease, up to HK$100,000. 

Add on this benefit to protect your domestic helper when he/she is at critical times.

*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 domestic workers recruited from outside Hong Kong under an Employment Contract and aged 18-64; those aged 60 and above will be subject to additional loading of premiums.

Domestic Worker Insurance is suitable for doula and part-time helper

Are you looking for doula insurance or helper insurance for part-time helper?

AIG Domestic Worker Insurance is suitable for you. We provide 1-year policy with no extra premium for changing the insured worker. You can purchase our insurance plan for your doula and change the insured to your new domestic worker after the doula completed the employment.

Our Basic Plan covers part-time workers as well, check out the recommendations below.

Easy to claim

Submitting your claim is easy. Simply complete the claim form and submit to us via email, mail or fax along with supporting documents within 30 days.

We will review and proceed as soon as we can. You can select FPS or direct bank transfer to collect your payout.

Click here to learn more about claim procedure.


As an employer, you are required to 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 protections under the Employment Ordinance. Failure to do so is an offense 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 that it is advised 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.

AIG domestic helper insurance is suitable for both full-time or part-time helpers, including doulas (Post-natal care helpers), drivers or gardeners.

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.

This Policy covers the helper’s injury cost when he/she works in Hong Kong or accompanies the policyholder on overseas trips (only for the first 5 days for such trip in the policy year).

The extra care and super care plan protect the domestic worker against accidental injury and death during his/her rest days for accidental death & dismemberment or emergency medical expenses. 

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

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.

Yes, we may issue an endorsement to cover this one month for two helpers, subject to additional premium.

We can only update the policy information upon receiving the notice from the policy owner about the new domestic helper. We cannot back date the policy.

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