Employees' Compensation

Protects you as the employer against liabilities under Employees' Compensation Ordinance when the Domestic Worker sustains bodily injury by accident or disease arising out of and in the course of employment.

24-Hour Accident Insurance

Protects the Domestic Worker against accidental injury and death both during and not during his / her course of duties for:

a. Accidental Death & Dismemberment
b. Emergency Medical & Dental Expenses

Hospitalisation & Surgical Expenses

Protects the employer against his / her contractual liability for the Hospitalisation & Surgical charges incurred if the Domestic Worker is confined to any licensed hospital in Hong Kong on the recommendation of a registered medical practitioner.

a. Daily Hospital Income (Max. 40 days)
b. Surgical 

Repatriation Expenses

Protects the employer against his / her contractual liability to repatriate the Domestic Worker back to his / her country of origin in the event of death or certified medical unfitness for continual employment.

a. Upon medical unfitness

b. On the remains upon death

Personal Effects

Protects loss of or damage to covered personal properties of the Domestic Worker at the place of employers' residence.

Fidelity Coverage

Protects the employer against the financial loss arising from a dishonest act committed by the Domestic Worker. 

Clinical Expenses

Protects the employer against his / her contractual liability for the Clinical Expenses incurred if the Domestic Worker visits any registered medical practitioner in Hong Kong in the event of sickness or accidental injury.

Max. HK$150 per visit per day

Dental Expenses

Protects the employer against his / her contractual liability for the Dental Expenses incurred if the Domestic Worker visits any legally qualified and registered dentist in Hong Kong. Covers oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease. Reimburses two-thirds of dental expenses incurred by the insured Domestic Worker.

Domestic Worker Liability

Protects the Insured and / or Domestic Worker against legal liability in respect of (a) accidental bodily injury or (b) accidental damage to property of third party, occurring due to the negligence of the Domestic Worker while in the course of and arising out of his / her employment with the Insured, within the territory of Hong Kong during the Period of Insurance.

 

a. Accidental bodily injury
b. Accidental damage to property

Replacement Expenses

Protects the employer against financial loss of replacing the Domestic Worker in the event the Domestic Worker is certified by a registered medical practitioner as being medically unfit to complete the term of employment with the Insured.

Temporary Worker Subsidy

Protects the employer against financial loss of employing a temporary worker, in the event the Domestic Worker is hospitalised for more than one day.

 

HK$250 per day, max. 30 days per year