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Apply Domestic Worker Protector on AIA iShop during 1 September to 31 December 2019 to enjoy one e-ticket of 2019-20 AIA Carnival with 10 tokens! Terms and conditions apply.
Benefits and premium
* "Extra Care” and “Super Care” plans are only available for domestic workers recruited from outside Hong Kong under an Employment Contract.
What does it provide?
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)
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
Protects loss of or damage to covered personal properties of the Domestic Worker at the place of employers' residence.
Protects the employer against the financial loss arising from a dishonest act committed by the Domestic Worker.
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
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
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.
Cancer and heart disease, all injuries or sickness arising out of the pre-existing conditions will be excluded under Section 2, 3, 4 & 7. Cancer and heart disease exclusion under Section 3 & 4 will be deleted if (Cancer & Heart Disease Endorsement) is adopted.
The general insurances available in this website are underwritten by AIA Company Limited as the insurer. All these general insurances are distributed by AIA International Limited acting through its Hong Kong branch in Hong Kong as the agent of the insurer.
Waiting period for Section 3, 7 & 8: The first 14 days from inception of the Policy.
Deductibles for Section 3b, 5 & 6: HK$200 per claim.
Age Limit: 18 - 60 (Above 60, subject to approval and loading).
Extra Care and Super Care will only be available for domestic workers recruited from outside Hong Kong under an Employment Contract.
This website is for reference only. Please refer to the Policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of coverage.