iInsurance

Domestic Helper Insurance Package

Benefits

Section of Benefits

Maximum Limit (HKD)

Section A

A1. Employer's Liability

Employer's legal liability under the Hong Kong Employees' Compensation Ordinance and Common Law.

$100,000,000 - any one event

Employer's liability

$100,000,000

A2. Personal Accident Benefits

Death or Permanent Disablement resulting from accidental injury occurring in Hong Kong during the rest days of the Domestic Helper.

Accidental Death or Permanent Total Disablement

$100,000

Loss of two or more limbs

$100,000

Loss of sight of both eyes

$100,000

Loss of one limb and sight of one eye

$100,000

Section B

B1. Clinical Expenses

Reimbursement of clinical expenses incurred by the Domestic Helper up to

$150 per visit per day

Total maximum amount payable per year under this Section

$3,000

B2. Surgical & Hospitalization Expenses

Reimbursement of expenses incurred by the Domestic Helper up to

Room, Board & other miscellaneous hospital charges

$300 / day

Surgical fee per disability

$10,000

Total Maximum amount payable per year under this Section

$25,000

B3. Dental Expenses

Reimbursement of two-thirds of the dental expenses incurred by the Domestic Helper up to

$1,500 per year

B4. Repatriation Expenses

Emergency Repatriation of the Domestic Helper in the event of serious sickness or injury;

$10,000 per year

Post-mortem Treatment and Repatriation of Mortal Remains

B5. Fidelity Protection

Financial loss resulting from fraud or dishonest acts committed by your domestic helper

$10,000 per year

(compensation for unauthorised long distance calls)

(max. HK$3,000)

B6. Temporary Helper Subsidy

Subsidy for employing temporary helper if your domestic helper is hospitalised

$200 / day (max. 30 days)

Brief Exclusions (Please refer to the Insurance Policy for details)

	General exclusions applicable to All Sections: War and allied perils, suicide, pregnancy or childbirth, intoxication by alcohol, narcotics or drugs not prescribed by a legally qualified and registered medical practitioner, pre-existing conditions, acquired immune deficiency syndrome (AIDS) or (AIDS) or AIDS related complex (ARC) and any injury, illness or death which occurs or results from event taking place outside of Hong Kong.

Specific exclusions applicable to:

A.1	Employer's Liability Any late payment surchange that the Insured may become liable under the legislation.
B.1	Clinical Expenses.
B.2	Surgical and Hospitalization Expenses and
B.6	Temporary Helper Subsidy Nervous or mental disease, venereal disease, congenital anomalies or deformities, infertility, sterilisation, heart disease, cancer, rest cure, physical check-ups and cometic or plastic surgery unless to correct an injury covered under the policy.
B.3	Dental Expenses Routine examination, scaling, polishing or cleaning, crowning, bridges, braces and dentures.
A.2	Personal Accident Benefits Driving or riding in any kind of race, underwater, activities involving the use of breathing apparatus.
B.4	Emergency Medical Assistance services by International Far East Assistance Any repatriation or transportation of mortal remains originating outside of Hong Kong.




Age Limit of Domestic Helper 18 to 60


Waiting Period A 15 day waiting period from the inception date of the Domestic Helper's insurance shall be applicable to Sections B1, B2, B3 and B6 of the Schedule of Benefits for any Domestic Helper. No benefits shall be payable under these Sections during the waiting period.


This summary gives only an outline of the insurance cover and any information given herein is subject to the terms and conditions in the actual Policy.