HelperCare
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| Product Highlights |
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Cover your legal liability as Employer plus SIX extra benefits for you and your helper |
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Change of domestic helper at no extra premium |
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No excess or waiting period will be applied |
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Timely settlement of medical claims by autopay |
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| Summary of Cover |
| Section 1 - Employer's Liability |
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In the event your domestic helper suffers injury or disease arising out of and in the course of his/her employment, this Plan indemnifies you against liability at law including liability under the legislation, to pay compensation costs and/or expenses up to HK$100,000,000 for any one event.
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| Section 2 Hospital & Surgical, Clinical and Other Expenses |
| Hospitalisation & Surgical Expenses |
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In the event your domestic helper is confined in a hospital for surgery or treatment of sickness or injury resulting from an accident, this Plan pays the actual, necessary and reasonable expenses incurred up to:
a. HK$350 per day for room & board
b. HK$15,000 per surgical operation
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The maximum amount payable is HK$30,000 per year.
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| Out-Patient (Clinical) Expenses |
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In the event your domestic helper requires medical treatment from a clinic for sickness or injury resulting from an accident, this Plan pays the actual, necessary and reasonable expenses incurred up to HK$200 per visit (maximum one visit per day), provided such treatment is received from a registered medical practitioner. |
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If your domestic helper chooses to consult a bonesetter for treatment, this Plan will cover the expenses up to HK$100 per visit (maximum one visit per day) with a limit of HK$500 per year. |
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The maximum amount payable is HK$4,000 per year.
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| Section 3 - Dental Expenses |
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In the event your domestic helper requires oral surgery, treatment of abscesses, X-ray, extractions or fillings as a result of dental disease, this Plan pays 75% of the actual, necessary and reasonable expenses incurred up to a maximum of HK$2,000 per year, provided such treatment is received from a registered dentist.
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| Section 4 - Personal Accident |
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In the event of an accident to your domestic helper during his/her rest days not in the course of and arising out of employment resulting in accidental death or permanent disablement occurring within 12 months from the date of such accident, the following compensation shall be payable:
| Accidental death | - HK$120,000 |
| Total and permanent disablement from engaging in or attending to any business or occupation | - HK$120,000 |
| Loss of one or more limbs | - HK$120,000 |
| Loss of sight in one or both eyes | - HK$120,000 |
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| Section 5 - Repatriation Expenses |
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In the event of serious sickness or injury to your domestic helper resulting in his/her being certified by a registered medical practitioner as medically unfit to work leading to the termination of his/her employment contract or resulting in his/her death. This Plan pays the actual, necessary and reasonable expenses incurred under (a) or (b) up to a maximum of HK$25,000 per year for:
a. the repatriation of your domestic helper to his/her home country by scheduled flight (economy class);or
b. the transportation of the mortal remains to his/her home country.
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| Section 6 - Free Additional Benefits |
| Re-hiring Expenses |
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In the event of your domestic helper becoming medically unfit to finish a contract or in the event of death in service, this Plan will pay up to HK$10,000 per year for expenses incurred in securing a replacement helper, including air ticket, agency fees and processing fees.
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| Hospital Cash Subsidy |
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In the event your domestic helper is hospitalised due to sickness or injury, this Plan pays you a daily cash allowance of HK$200 for the loss of services commencing from the 3rd day of his/her confinement, subject to a maximum of HK$6,000 per year.
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| Loan Protection |
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If you make a financial loan with documented evidence/proof to your domestic helper which cannot be repaid due to the death of the helper, or his/her being medically unfit to continue employment, this Plan will reimburse the amount of the loan outstanding, up to a limit of HK$10,000 per year.
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| Fidelity Protection |
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This Plan covers your actual financial loss directly resulting from the act of fraud or dishonesty committed by your domestic helper up to a limit of HK$5,000 per year.
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| Annual Premium |
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HK$680 + HK$10.80 (Employees' Compensation Insurance Levy, Government Terrorism Facility Charge & Employees' Compensation Insurers Insolvency Bureau Contribution)
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| Age Limit |
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18 to 60 years of age
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| Eligibility |
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This Plan is available for overseas domestic helpers who are employed under an Employment Contract as governed by the Immigration Ordinance (Chapter 115).
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| Major Exclusions |
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The following is only a summary of the major exclusions. Please refer to the policy for details.
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| General Exclusions |
War, act of terrorism, accident or sickness sustained or contracted outside Hong Kong (except Employer's Liability Cover), pre-existing conditions, sexually transmitted diseases, HIV and/or HIV related illness including AIDS, suicide, intentional self-injury, pregnancy, miscarriage, childbirth, mental or nervous disorder, alcoholism or drug addiction.
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| Special Exclusions Applicable To: |
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Section 1 - Employer's Liability
Asbestos, nuclear hazards or any late payment surcharge that the employers may become liable under the legislation.
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Section 2 - Hospital & Surgical, Clinical and Other Expenses
Cosmetic surgery unless due to injury covered under this Plan, routine physical examination or any expenses incurred outside Hong Kong.
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Section 3 - Dental Expenses
Routine examination, scaling, cleaning, polishing, crowning, bridges, braces, dentures, dental prosthetics or any expenses incurred outside Hong Kong.
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Section 4 - Personal Accident
Air travel (except fully licensed passenger carrying aircraft), mountaineering, rock climbing, underwater activities necessitating the use of breathing apparatus, motor cycling, racing (other than on foot or swimming), dangerous sports or activities.
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This brochure gives only an outline of the terms and conditions of the insurance cover and any information given herein is subject to the precise terms and conditions in our Policy, a specimen copy of which will be furnished to you on request.
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