Skip Navigation?

AIG Domestic Worker Insurance Overview

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 coverages enables you not only to meet your minimum legal obligations, but to take additional and proper care of those who take care of your family, by purchasing additional coverage for your helper’s hospitalization, surgical, outpatient and dental expenses.

Coverage Highlights

  • We offer 3 choices of plan, meeting the needs of different employers.
    1. The “Basic Plan” - protects you against liability under Employees’ Compensation Ordinance when your Domestic Worker sustains bodily injury by accident or disease arising out of and in the course of employment in Hong Kong or outside Hong Kong when your domestic worker travels with you for the first 5 days of such trip. Suitable for the local part-time domestic helpers and doulas.
    2. The “Extra Care” - protects the employer against his/her contractual liability for the Accidental Injury and Death, Hospitalization & Surgical Expenses, Fidelity Coverage and Repatriation Expenses, suitable for the Foreign Domestic Helpers.
    3. The “Super Care” - protects the employer against his/her contractual liability for the Clinical Expenses and Dental Expense in addition to the Hospitalization & Surgical Expenses, Fidelity Coverage and Repatriation Expenses, providing enhanced coverage to you and your Foreign Domestic Helpers. It includes the clinical expenses for treatment provided by a registered Chinese Medicine Practitioner and Bonesetter.
  • Additional Offer: “Cancer & Heart Disease Endorsement” protects your foreign domestic helpers suffering from serious illness. Only applicable to Extra Care & Super Care
  • Available for 1-Year and 2-Year Premium for the choices, so that you can flexibly arrange the policy according to the contractual terms of the employment contract.
  • Only applicable to domestic helpers aged from 18 to 64, aged 60 above will be subject to additional loading of premium.

*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.


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, 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