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What Is Domestic Helper Insurance?

Domestic Helper insurance provides coverage for foreign domestic helpers, household assistants, and hourly workers in Hong Kong.

Coverage includes:

  • Medical Expenses
  • Accidents & Hospitalizations
  • Employer’s Legal Liability

From HK$585, you can protect your home and your helper

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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
Employee Compensation Insurance

Statutory insurance under the Hong Kong Employment Compensation Ordinance only covers the employer's responsibilities when domestic helpers suffer from illness or injury, including:

  • Medical expenses
  • Consultation fees
  • Paid sick leave
Waiting period: two weeks
Applicable to all domestic helpers
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Comprehensive Domestic Helper Insurance
Provides additional protection for your employee

Coverage includes:

  • Medical insurance
  • Personal accident insurance
  • Dental insurance
  • Repatriation coverage
  • Expenses in hiring a new domestic helper
  • Service interruption allowance
  • Household integrity protection
  • Loan protection insurance
Waiting Period: Some coverages may take effect immediately
Typically applicable only to overseas domestic helpers in Hong Kong
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Key Features of Domestic Helper Insurance

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Employee Compensation
Covers the employer’s legal liability for work-related injuries or death
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Personal Accident
Compensation for disability or death during the helper’s leave in Hong Kong
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Hospitalization & Surgery
Covers surgical fees and operating room costs during hospital stays
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Outpatient Care
Access to designated network doctors for general medical visits
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Household Integrity
Protection against losses from dishonest acts by the helper
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Replacement Helper Costs
Covers hiring expenses if the helper is injured, repatriated, or passes away
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Repatriation
Covers costs to return the helper or their remains home due to illness or death
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Helper’s Legal Liability
Covers third-party injury or property damage caused by the helper’s negligence

Frequently Asked Questions

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Is an employer required to purchase insurance for domestic helpers?
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Which domestic helper insurance company is the best?
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