is some information and FAQ on domestic helper insurance
Domestic Helper Insurance same as an Employee's Compensation?
Employees' Compensation Insurance covers compensation
that the policy holder is legally liable to pay as an
employer to his/her employee for his/her bodily injury
by accident or disease arising out of and in the course
of employment. A Domestic Helper Insurance Policy is
a specially designed insurance product. The Policy includes
an Employees' Compensation Insurance cover (usually
as a compulsory section of the Policy) that a person
needs to insure for his domestic helper and some other
optional insurances that the employer may want to buy
because of the employment of a domestic helper. Domestic
Helper Policy is now generally regarded as Employees'
Compensation insurance for employment of domestic helper.
the Domestic Helper Insurance applicable only to helper
recruited outside Hong Kong?
this special insurance product was developed as a result
of more and more household servant being recruited from
other countries such as Philippine, the insurance policy
does not have any limitation as to nationality of the
helper. However, as many insurance companies choose
to insure their preferred risks, there is less popular
to see insurance policy covers local helper in Hong
does a Domestic Helper Insurance cover?
Domestic Helper Insurance Policy would contain various
sections of insurance cover. Different insurance companies
would provide different number of sections and different
coverage. However, an Employees' Compensation Insurance
is included as a compulsory section. The other sections
that may be included are: -
Cover (can be further divided into Hospitalisation
and Clinical Expense)
Effects (of the domestic helper)
I need to effect the Domestic Helper Insurance once
I signed the contract?
you are only required to have the insurance when the
domestic helper commences his/her services to you. For
instance, you don't need to effect the insurance when
you signed the contract for recruiting a helper outside
from Hong Kong but on the date he/she reports duty and
commence his/her services to you.
have employed a domestic helper to look after my mother
at her house. How should I arrange the Domestic Helper
A domestic helper contract (particularly that for domestic
helper recruited from outside Hong Kong) should have
stated specifically at where the helper shall work and
reside and where can only be the residence of the employer.
Therefore, you need to be very careful whether or not
this arrangement is in conflict with the contract you
have with the helper. Otherwise, you are at the risk
of doing something that is in breach of the contract
and is legally not allowed. To ensure the insurance
policy agrees with the contract and both are legal,
you are advised to enter the contract with the helper
and arrange the insurance in the way that your mother
is the employer and her house is the residence.
I cover my domestic helper in the insurance I bought
for the staff working in my office?
The laws do not have any specific requirement as to
how you insure Employee's Compensation for your helper.
However, unless you have some professional insurance
people advising you how to arrange the policy, you are
not suggested to do so, as it requires professional
insurance knowledge. Firstly, particulars such as employer's
name and place of employment under the contract you
entered with your office staff and that you entered
with your helper are normally not the same. Secondly,
insurance company, unless specifically advised the otherwise,
is not prepared to cover domestic helper in a policy
that is designed for an office environment. Furthermore,
office insurance will not provide the other optional
insurance coverage mentioned above and that you may
want to buy for your helper.
family is moving away from Hong Kong and my domestic
helper will go with us, will the domestic helper insurance
It is very unlikely that the Domestic Helper Insurance
Policy can continue the cover after you have moved to
other country with your helper. Firstly, the Employees'
Compensation Insurance in the Domestic Helper Insurance
Policy is subject to related laws in Hong Kong. Other
country would have different legislative requirements
so that your Policy is no longer applicable. Secondly,
a Domestic Helper Policy normally contain a geographically
limit which is Hong Kong that makes your Policy become
invalid once you have moved out of Hong Kong. Furthermore,
your Domestic Helper Policy's insurance company may
not have office in the place you are moving to thus
are not able to continue its services to you.
the Domestic Helper Insurance provide cover when my
domestic helper is off-duty?
Employees' Compensation section of your Domestic Helper
Policy covers only accident or disease arising out of
and in the course of employment by you and will not
cover off-duty. However, the Personal Accident Insurance
section and the Medical Insurance section are usually
on 24 hours and 365 days basis and are not restricted
to employment related event and cause.