Helper / Housemaid Insurance Plan

(1) Asia Superior Helper Insurance

Asia Superior Helper Insurance offers cover for the needs of your domestic helper, at the same time allows you to meet your legal obligation as an employer and protects you from unexpected expenses that may incur.

OCBC Bank (Hong Kong) Limited ("OCBC Bank") and Asia Insurance Co., Ltd. ("Asia Insurance") are pleased to introduce Asia Superior Helper Insurance (“the Plan”) to our valuable customers.


Plan Highlights


  • Out-patient visit up to HK$220 per visit per day
  • Cancer and Heart Disease covered without additional premium
  • Covers treatments by registered Chinese Medicine Practitioners, Bonesetters or Physiotherapists
  • No excess for Hospitalization and Surgical Expenses
  • Age limit of domestic helper is revised up to 65
  • Family Member Medical Expenses up to HK$5,000

Eligibility


Overseas domestic helpers who are employed under a written employment contract of domestic services.


Age Limit


The eligible domestic helper is between 18 to 60 years old on his or her first entry to this policy. Policy is renewable up to the age of 65.


Employees’ Compensation

1. Employees’ Compensation

Coverage

Protects you against legal liability as an employer under the Employees' Compensation Ordinance and at Common Law if your domestic helper suffers an injury or disease arising out of and in the course of employment with you.

Maximum Limits (HK$)

$100 million per event

2. Hospitalization and Surgical Expenses

Coverage

Pays for the medical expenses if your domestic helper is confined to hospital for surgery or treatment of sickness or bodily injury resulting from an accident:

Maximum Limits (HK$)
  • Room & Board Charges
  • Surgical Expenses, Anaesthetist’s Fees, and Operating Theatre Fees
 $350 per day
$15,000 per operation
Aggregate Limit $30,000 per year

3. Clinical Expenses

Coverage

Covers out-patient expenses if your domestic helper requires medical treatment from a clinic for sickness or injury resulting from an accident. Include treatment by:

Maximum Limits (HK$)

$220 per visit per day
  • Registered Chinese Medicine Practitioners, Bonesetters or Physiotherapists
 $100 per visit per day up to $500 per year
Aggregate Limit $3,000 per year

4. Dental Expenses

Coverage

Covers for emergency dental expenses incurred by your domestic helper, including oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease.

Maximum Limits (HK$)

$2,500 per year
Two-thirds of actual expense

5. Repatriation Expenses

Coverage

Reimburses you the cost of repatriating your domestic helper to his/her country of residence if certified by a legally qualified and registered medical practitioner as medically unfit to continue employment or in the event of death in service.

Maximum Limits (HK$)

$20,000 per year

6. Replacement Helper Expenses

Coverage

Pays for extra expenses, such as air ticket, agency fee, medical check- up fee and etc., necessarily and reasonably incurred in employing a replacement helper if your domestic helper is repatriated due to serious injury, illness or death.

Maximum Limits (HK$)

$10,000 per year

7. Personal Accident

Coverage

Provides the following benefits if your domestic helper suffered accidental bodily injury during his/ her rest days:

Maximum Limits (HK$)
  • Accidental death
  • Permanent total disablement
  • Total loss of two or more limbs or sight of both eyes
  • Total loss of one limb and sight of one eye
  • Total loss of one limb or sight of one eye
 $100,000 per year
$100,000 per year
$100,000 per year
$100,000 per year
$50,000 per year
The maximum amount payable for each Domestic Helper $100,000 per year

8. Service Interruption Cover

Coverage

Compensates you for the loss or interruption of service if your domestic helper is hospitalized (from the 4th day of confinement onwards) due to bodily injury or sickness of your domestic helper.

Maximum Limits (HK$)

$6,000 per year
$200 per day

9. Fidelity Protection

Coverage

Compensates you for your pecuniary loss caused by fraud or dishonesty committed by your domestic helper.
(include compensation for unauthorised telephone calls)

Maximum Limits (HK$)

$10,000 per year

(up to $3,000)

10. Domestic Helper Liability

Coverage

Protects you and your domestic helper against legal liability towards third parties for their bodily injury &/ or property damage caused by your domestic helper’s negligence in the course of employment.

Maximum Limits (HK$)

$100,000 per year

11. Replacement Cost of Door Lock or Metal Gate Lock

Coverage

Pays for the replacement cost of main door lock or metal gate lock undertaken within 1 week following the termination of employment contract with the domestic helper due to discovery of his/her infidelity or serious sickness or bodily injury or death of the domestic helper resulting in repatriation.

Maximum Limits (HK$)

$500 per year

12. Family Member Medical Expenses

Coverage

Cover medical expenses incurred as a result of bodily injury of your family member, living with you and under 6 years old, caused by intentional malicious act of your domestic helper.

Maximum Limits (HK$)

$5,000 per year

Premium For Each Domestic Helper

Premium For Each Domestic Helper
Period of Insurance Premium
1 Year HK$788
2 Years HK$1,420

REMARKS:

  • Premium is applicable to domestic helper who carries out general household work only (excluding any driving duty). An additional annual premium of HK$400 (per domestic helper) shall be charged for domestic helper who is required to perform domestic works with driving duty.
  • Minimum premium per policy is HK$400.
  • Premium is inclusive of EC Insurance levy/surcharge.
  • Premium Levy payable to the Insurance Authority by policyholders has been imposed on relevant policy at the applicable rate and would be collected through insurance companies. All the premiums listed in the above information exclude Premium Levy.

Insurance Authority Premium Levy

Premium Levy collected by the Insurance Authority has been imposed on relevant policy at the applicable rate and would be remitted in accordance with the prescribed arrangements.


Major Exclusions

The following is a highlight of some key exclusions to Asia Superior Helper Insurance. Please refer to policy provisions for complete details.

  • War, terrorism (except Employees’ Compensation Section), asbestos, nuclear fission or fusion and radioactive contamination.
  • All injuries, sickness or disease arising out of the pre-existing condition.
  • Routine or general medical check-ups.
  • Intentional self-inflicted injury or suicide, or any attempt whether sane or insane.
  • Mental illness and psychological disorder.
  • Childbirth, pregnancy, miscarriage, abortion and all complications.
  • Intoxication by alcohol, narcotics or drugs not prescribed by a medical practitioner and treatment in connection with addiction to drugs or alcohol.
  • Surgery for cosmetic purpose.
  • Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex (ARC).

Waiting Period

A 14-day Waiting Period from the effective date of the insurance cover for each domestic helper shall be applicable under Section 2 Hospitalization and Surgical Expenses, Section 3 Clinical Expenses, Section 4 Dental Expenses and Section 8 Service Interruption Cover during which no benefit shall be payable.

For more coverage information, please refer to Product Brochure and Insurance Policy.

For claims details, please refer to Claim Form.

For making amendment request, please refer to Amendment Request Form.

(2) Asia Superior Housemaid Insurance

Asia Superior Housemaid Insurance offers your home assistant or postnatal care helper comprehensive protection with an attractive price, fulfilling your legal obligation under the Employees’ Compensation Ordinance as an employer.

OCBC Bank (Hong Kong) Limited ("OCBC Bank") and Asia Insurance Co., Ltd. ("Asia Insurance") are pleased to introduce Asia Superior Housemaid Insurance (“the Plan”) to our valuable customers.


Plan Highlights


  • Fair Pricing

    As low as less than HK$1.1 per day for total care

  • Fast and Simple

    Name of your employee is not required for application

  • Total Care

    Comprehensive coverage from employer’s liability, medical expenses of your home assistant or postnatal care helper to potential financial loss of the employer

  • Great Flexibility

    Flexible Period of Insurance specially designed for part- time postnatal care helpers with a relatively short contract period

  • Swift Transfer

    Fully transferable cover to your new employee immediately and automatically without any handling charges

  • Exclusive Protection

    Free Fidelity Guarantee protection to the employer for any pecuniary loss caused by the employee’s dishonest act

  • Who Is Eligible

    Local home assistant or postnatal care helper who is a legal resident of Hong Kong aged 18 to 65 years old


Benefits

Basic Cover

Maximum Limit (HK$)

Employees’ Compensation Insurance

Protects you against legal liability as an employer under the Employees’ Compensation Ordinance and at Common Law if your home assistant/postnatal care helper suffers an injury or disease arising out of and in the course of employment with you.

 

$100 million per event

Extra Free Cover

Maximum Limit (HK$)

In-hospital Medical Expenses

Additionally pays for in-hospital medical expenses if your home assistant/ postnatal care helper is confined to hospital for surgery or treatment of bodily injury resulting from an accident whilst at work.

 

$5,000 per year

Personal Accident Benefits

Provides the following benefits if your home assistant/postnatal care helper suffers accidental bodily injury whilst at work
  • Accidental death
  • Permanent total disablement
  • Total loss of two or more limbs or sight of both eyes
  • Total loss of one limb and sight of one eye
  • Total loss of one limb or sight of one eye
 $30,000 per year
$30,000 per year
$30,000 per year
$30,000 per year
$15,000 per year
The maximum amount payable for each home assistant/postnatal care helper $30,000 per year

Fidelity Protection

Compensates you for your pecuniary loss caused by fraud or dishonesty committed by your home assistant/postnatal care helper.

 

$3,000 per year

Premium
Job Nature Period of Insurance Premium (per person)
Full-Time/ Part-Time Home Assistant 1 Year HK$395
Postnatal Care Helper 1 Month HK$395
2 Months HK$590
3 Months HK$790

REMARKS:

  • Premium is applicable to (i) local home assistant who carries out general household work only, excluding driver and gardener; and (ii) local postnatal care helper.
  • Premium loading applies if monthly salary more than HK$30,000.
  • Minimum premium per employee is HK$395.
  • No refund for cancellation of cover for postnatal care helper.
  • Premium is inclusive of EC Insurance levy/surcharge.
  • Premium Levy payable to the Insurance Authority by policyholders has been imposed on relevant policy at the applicable rate and would be collected through insurance companies. All the premiums listed in the above information exclude Premium Levy.

Insurance Authority Premium Levy

Premium Levy collected by the Insurance Authority has been imposed on relevant policy at the applicable rate and would be remitted in accordance with the prescribed arrangements.

For more coverage information, please refer to Product Brochure and Insurance Policy.

For claims details, please refer to Claim Form.

For making amendment request, please refer to Amendment Request Form.

OCBC Bank (Hong Kong) Limited


General Enquiry Hotline

2815 1123


Asia Insurance Co. Ltd


Policy Coverage Enquiry Hotline

3606 9960


Claims Enquiry Hotline

3606 9196