Type: Statutory Insurance under the Hong Kong Employees’ Compensation Ordinance
Coverage includes:
- Medical expenses
- Consultation fees
- Paid sick leave
Waiting period: 2 weeks
Eligibility: All domestic helpers in Hong Kong
What Is Domestic Helper Insurance?
Domestic Helper insurance provides coverage for foreign domestic helpers, household assistants, and hourly workers in Hong Kong.
A Guide to Domestic Helper Insurance Plans
Household helpers play a vital role in keeping our homes running smoothly. To protect both employers and helpers, Hong Kong law requires insurance coverage for domestic workers.
- Employee Compensation Insurance (Statutory Requirement) - This mandatory coverage under the Hong Kong Employment Compensation Ordinance ensures employers are protected if a domestic helper suffers illness or injury during work.
- Comprehensive Domestic Helper Insurance (Enhanced Protection) - Go beyond the basics with broader coverage designed for overseas domestic helpers working in Hong Kong.
Employee Compensation Insurance
Comprehensive Domestic Helper Insurance
Type: Optional insurance offering enhanced protection
Coverage includes:
- Medical benefits
- Personal accident coverage
- Income replacement
- Repatriation expenses
- Costs for hiring a replacement helper
- Service interruption benefits
- Household allowance
- Identity protection
- Loan protection
Waiting Period: Some benefits may begin immediately
Eligibility: Overseas domestic helpers working in Hong Kong
Key Features of Domestic Helper Insurance
Employee Compensation
Covers the employer’s legal liability for work-related injuries or death
Personal Accident
Compensation for disability or death during the helper’s leave in Hong Kong
Hospitalization & Surgery
Covers surgical fees and operating room costs during hospital stays
Outpatient Care
Access to designated network doctors for general medical visits
Household Integrity
Protection against losses from dishonest acts by the helper
Replacement Helper Costs
Covers hiring expenses if the helper is injured, repatriated, or passes away
Repatriation
Covers costs to return the helper or their remains home due to illness or death
Helper’s Legal Liability
Covers third-party injury or property damage caused by the helper’s negligence
Frequently Asked Questions
Is an employer required to purchase insurance for domestic helpers?
Which domestic helper insurance company is the best?
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