HomeHelperPlus Insurance Plan provides well-round cover for you and your domestic helper. Care is extended to your children to give you extra peace of mind.
From one of the most fundamental Covers of protecting you against legal liabilities as an employer, HomeHelperPlus Insurance Plan also provides you with wide-ranging cover including cost of repatriating your domestic helper due to medical reasons, administrative expenses for employing replacement domestic helper and subsidy for service interruption when your domestic helper is hospitalized.
With HomeHelperPlus Insurance Plan, you are protected against financial loss due to fraud or dishonesty on the part of your domestic helper. If unfortunately your family member under the age of 5 years suffers from bodily injury caused by the intentional malicious act of your domestic helper, this Plan covers medical expenses for the injured child.
Your domestic helper is protected against medical and dental expenses. This Plan also provides personal accident protection, even when the helper is off duty. Cover is valid for domestic helpers aged 18 to 60 years, all the while they are in Hong Kong and is renewable up to the age of 65.
With additional premium of below HKD0.5 per day, your domestic helper is protected against medical expenses incurred due to heart disease or cancer.
|Section||Coverage||Maximum benefits (HKD)|
|Employer's Liability||Your liability under the Employees’ Compensation Ordinance for bodily injury to your domestic helper||100,000,000/ event|
|Fidelity Protection||Financial loss resulting from fraud or dishonest acts committed by your domestic helper
(max. 3,000/ year)
|Service Interruption Cover||Subsidy for employing temporary domestic helper if your domestic helper is hospitalized over 3 consecutive days||200/ day
(max. 30 days/ year)
|Replacement Domestic Helper Expenses||Administrative expenses reasonably and necessarily incurred for employing a replacement domestic helper in the event of your domestic helper is repatriated due to medical reason||3,000/ year|
|Domestic helper leave without notice and result in sudden termination of employment contract (subject to police report on missing person)|
|Medical Expenses for Family Member||Medical expenses for bodily injury to your family member who is living with you and under the age of 5 caused by your domestic helper’s intentional malicious act||5,000/ year|
|For your overseas domestic helper|
(max.200/ visit/ day)
(max.100/ visit/ day and 500/ year)
(max. 300/ day)
(max. 10,000/ surgical operation)
|Dental Expenses||Two thirds of most dental expenses, such as oral surgery, treatment of abscesses, X-rays, extractions or fillings||1,500/ year|
|Personal Accident||Accidental bodily injury resulting in death or disablement during rest days||100,000|
|Heart Disease and Cancer Cover||Medical expenses incurred due to heart disease or cancer||Classic Plan – 50,000/ year
Deluxe Plan – 100,000/ year
• Out-patient expenses and hospitalization
Same as the sub-limits of 1(a), 1(b) & 2(a), 2(b)
|• Other medical treatments||1,000/ treatment|
Particularly for those who employ local part-time domestic helper and need to meet with the legal responsibilities as an employer, the Employees’ Compensation Insurance Plan would be a suitable option. The annual premium just costs HKD350^.
|Plan type||Premium per domestic helper (HKD)|
|HomeHelperPlus Insurance Plan||720 (1 year)^
1,368 (2 years)^
|150 (1 year) / 300 (2 years)
300 (1 year) / 600 (2 years)
|Employees’ Compensation Insurance Plan||350 (1 year)^|
Terms and Conditions
|1.||For Employees’ Compensation Insurance Plan, only Employer’s Liability Benefit will be covered.|
|2.||HomeHelperPlus Insurance Plan is only applicable to overseas domestic helper who perform household work for you.|
|3.||The waiting period for Medical and Dental Expenses Benefits will be 15 days from the effective date of the policy.|
|4.||The waiting period for Optional Benefit will be 90 days from the effective date of the policy.|
|5.||Coverage on medical expenses for hospitalization does not cover the first HKD300 of each and every claim.|
|6.||Service Interruption Cover does not cover the first 3 days of hospitalization.|
|7.||Dental Expenses does not include the following treatment:
– oral examination
– scaling, polishing or cleaning
– crowning and root canal treatment
– orthodontic treatment of any kind
– denture and prosthetic services such as bridges and crowns and braces
|8.||Cancer coverage only covers the diagnosis of a malignant tumour characterized by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissue.|
Major exclusions:Accidents caused by war, pre-existing conditions, pregnancy and related complications, HIV/ AIDS and venereal diseases, suicide and claims incurred outside Hong Kong (except employees’ compensation cover).
|a.||The above information is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency.|
|b.||Zurich Insurance Company Ltd is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. Zurich Insurance Company Ltd is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters.|
|c.||Zurich Insurance Company Ltd is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”).|
|d.||Fubon Bank is the licensed insurance agency appointed by Zurich Insurance Company Ltd, and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for any terms or obligations of the Plan.|
|e.||In case you file a written complaint regarding the selling process or processing of the related transaction to Fubon Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, Fubon Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after Fubon Bank has issued the final written reply. If the complaint / dispute is related to the policy terms and conditions, it should be resolved directly between Zurich Insurance Company Ltd and you.|
|f.||Levy collected by the Insurance Authority (if any) has been imposed on this policy at the applicable rate and would be remitted in accordance with the prescribed arrangements. For further information, please visit http://www.zurich.com.hk/ia-levy.|
|g.||Zurich Insurance Company Ltd is a company incorporated in Switzerland with limited liability and its principal place of business in Hong Kong is at 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong.|
|h.||The English version shall prevail in case of inconsistency between the English and Chinese versions.|