Domestic Helper Insurance
What is Domestic Helper Insurance?
Every person hiring a domestic helper or caretaker in Hong Kong needs insurance to protect their employee.
Domestic helper insurance provides the helper with the accidental and medical protection they need and helps the employer meet the agreement to be a responsible and caring employer.
Performing all the duties expected of a domestic helper can have its own risks, including injury, illness, and more.
This insurance helps protect the domestic helper and the employer from unforeseen accidents or even fraud caused by the helper.
What Does Domestic Helper Insurance Cover?
Domestic Helper Insurance will cover :
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Employee Compensation: Covers medical costs and lost wages for work-related injuries.
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Hospitalised and Surgical Expenses: Provides funding for necessary hospital and surgical care.
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Personal Accident: Offers compensation for injuries or death from accidents.
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Personal Liability: Protects against claims for damages caused by the helper.
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Repatriation Expenses: Covers costs for returning the helper home in emergencies.
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Rehiring Expenses: Funds for hiring a replacement if the helper is unable to work.
Domestic Helper Insurance Tips
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