What is Domestic Helper Insurance?

helper insurance

Every Domestic helper needs insurance when they are employed in Hong Kong. The Domestic Helper may perform some or all of their duties while the employer is at work.

Performing all the duties that are expected of from a domestic helper can have their own risks, which could be injures, illness and more.

The domestic helper insurance provides the helper accidental and medical protection they need and helps the employer to meet the agreement to be a responsible and caring employer.

This insurance helps protect the domestic helper and the employer from unforeseen accidents or even fraud caused by the helper.

What is covered?

Domestic Helper Insurance will cover :

  • Employee Compensation
  • Hospitalised And Surgical Expenses
  • Emergency Dental Expenses
  • Personal Accident
  • Personal Liability
  • Repatriation Expenses
  • Rehiring Expenses
  • Fidelity Protection

What should you know?

Census and the Statistics Department (Government Statistic) state – “the percentage of households employing foreign domestic helpers increased from 87.9% in 2000 to 92.2% in 2019/20”.

The highest quality protection will still cost less than HKD 1,000 per year. There are many factors that make purchasing a high quality domestic helper insurance a good choice.

The domestic helper insurance is great investment as mentioned it can help both parties. It is important for an employer to explain to the domestic helper that she is covered and that she is taken care of during the period of employment


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