Medical expenses for Clinical Expenses, Hospital and Surgical Expenses, Dental Expenses, as well as Prescribed Medicines and Drugs under Outpatient, Chinese Bone-setting, Physiotherapy and Chiropractic Treatment.
Personal Accident Benefit: Provides the maximum limit of Personal Accident Benefit up to HK$100,000
Domestic Helper Personal Liability Benefit: the maximum limit of third-party liability arising out of negligence of the domestic helper in Hong Kong up to HK$200,0001 per year
Domestic Helper Personal Property Benefit: Accidental loss or damage of domestic helpers’ personal belongings at the employer's home and the replacement cost of travel documents.
Replacement of Domestic Helper Expenses: The actual replacement expenses reasonably and necessarily incurred for the employer employing a new domestic helper due to serious sickness or death of the domestic helper.
Fidelity Protection Benefit: Protecting the financial loss caused by dishonest or fraudulent by the domestic helper and extending the benefit to the unauthorized use of IDD and the lock replacement expenses.
Family Members Medical Expenses: The medical expenses incurred by the employer's family member who is living with the employer (5 years old or below or over the age of 75), for bodily injury caused by the domestic helper’s intentional or malicious act.
Critical Illness Benefit: In case your domestic helper unfortunately diagnosis with critical illness for the first time by a specialist doctor, up to 40 types of the designated critical illnesses can be covered arising from the Hospital and Surgical Expenses. The maximum limit can be enhanced to HK$150,000 per year
Early Termination of Employment Contract Benefit: If the early termination of employment contract has occurred twice in a year, either the insured domestic helper resigns or being dismissed by the employer, the actual reasonable and necessary expenses related to the employer to hire another new domestic helper in Hong Kong.
You can also enjoy the Employer’s Liability Benefit and the Domestic Helper Personal Liability Benefit by enrolling the "Local Domestic Helper Plan" for your local domestic helper or post-natal care helper.
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