OCBC Wing Hang Insurance Agency Limited (“OCBC Wing Hang Insurance Agency”) is a wholly-owned subsidiary of OCBC Wing Hang Bank Limited (“OCBC Wing Hang”).

The Plan is underwritten by Liberty International Insurance Limited ("Liberty International Insurance") which is authorized and regulated by the Insurance Authority of HKSAR. Liberty International Insurance will be responsible for providing your insurance coverage and handling claims under your policy. OCBC Wing Hang and OCBC Wing Hang Insurance Agency are registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agents of Liberty International Insurance for distribution of general insurance products in the HKSAR.

Platinum Maid Insurance Plan* ("The Plan") protects you as an employer against liabilities under the Employees' Compensation Ordinance and Common Law in HKSAR for death, injury or illness sustained by your overseas domestic helper arising out of and in the course of employment. In addition, if unfortunately your family member under 4 years or below suffers from bodily injury caused by the intentional, malicious act of your domestic helper, this plan covers medical expenses for the injured child.

This Plan also covers medical and dental expenses incurred for your overseas domestic helper, including clinical, surgical, hospitalization and bone-setting expenses; as well as providing personal accident protection for your overseas domestic helper during her rest days.

This Plan covers your overseas domestic helper against medical expenses incurred due to heart disease or cancer.

Employee's Compensation Insurance Plan is also available for local part time domestic helper with an annual premium HK$300 per year and cover your employer's liability under the Employee's Compensation Ordinance and at Common Law for death, inhury or illness sustained by your domestic helper in the course of employment.

Benefits

Section

Coverage

Maximum Benefit
(HK$)

Comprehensive Cover For You and Your Family Member

1.	Employer's Liability

Your liability under the Employees' Compensation Ordinance and at Common Law for death, injury or illness sustained by your domestic helper arising out of and in the course of employment.

100,000,000
/event

2.	Emergency Medical Assistance

Costs for repatriating your overseas domestic helper to the country of residence due to serious injury. Post mortem treatment & transportation of mortal remains to the overseas domestic helper's country of residence in the event of death.

20,000/year

3.	Loss of Service Allowance

Daily cash allowance for loss of services commencing from the 4th day if the overseas domestic helper is confined in a hospital for treatment or surgery for more than 3 consecutive days.

6,000/year
200/day

4.	Replacement Helper Expenses

Reasonably and necessarily expenses incurred for hiring a new helper if the overseas domestic helper is repatriated due to serious injury, illness or death.

3,000/year

5.	Fidelity Guarantee

Financial loss resulting from fraud or dishonesty act committed by the overseas domestic helper. (Including compensation for unauthorized long distance calls: maximum HK$3,000/year)

10,000/year

6.	Medical Expenses for Family Member

Medical expenses for bodily injury to your family member under 4 years or below caused by your overseas domestic helper's intentional malicious act.

5,000/year

Full Protection For Your Overseas Domestic Helper

7.	Clinical, Surgical & Hospitalization Expenses

Clinical Expenses

Out-patient treatment and medical expenses (maximum HK$150/visit/day)

Treatment by bonesetter or physiotherapist expenses (maximum HK$100/visit/day and HK$500/year)

3,000/year

Surgical & Hospitalization Expenses:

Room, board & other miscellaneous hospital charges (maximum HK$300/day)

In-hospital doctor's call fees and surgical operation (maximum HK$10,000/operation)

25,000/year

8.	Dental Expenses

Two thirds of actual dental expenses, reasonably and neccessarily, such as oral surgery, treatment of abscesses by a legally qualified and registered dentist

1,500/year

9.	Personal Accident

Accidental bodily injury sustained by your domestic helper during the rest days in HKSAR

Accidental Death (HK$100,000/year)

Loss of one or more limbs (HK$100,000/year)

Loss of sight in one or both eyes (HK$100,000/year)

Permanent total disablement (HK$100,000/year)

100,000/year

The Insurance Authority will collect a premium levy from policy holders in accordance with the law. For further information, please click here for details.

*Remarks:	1.	Employees' Compensation Insurance Plan for local part-time domestic helper covers only the above Employer's Liability Benefit mentioned under Section 1.
	2.	Platinum Maid Insurance Plan is applicable to overseas domestic helper who is lawfully engaged for domestic duties in HKSAR only.
	3.	The waiting period for Clinical, Surgical, Hospitalization and Dental Expenses and loss of Service Allowance is 15 days from the effective date of the policy.
	4.	Age limit of domestic helper is 18-60.
	5.	Employees' Compensation Insurance Levy is included.

*Major Exclusion from insurance coverage (including but not limited to):

Accidents caused by war, pre-existing conditions, pregnancy and related complications, HIV/AIDS, the influence of drink or drugs, venereal disease, suicide and claims incurred outside Hong Kong (except Employees' Compensation cover).

The above information is for reference only. Please refer to the insurance policy for terms and conditions. Where there is any discrepancy or inconsistency between the above information and the terms and conditions of the insurance policy, the latter shall prevail.

The product is a product of insurance company or insurer but not OCBC Wing Hang Bank Limited or OCBC Wing Hang Insurance Agency Limited

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the OCBC Wing Hang Bank Limited, OCBC Wing Hang Insurance Agency Limited and the customer out of the selling process or processing of the related transaction, OCBC Wing Hang Bank Limited and OCBC Wing Hang Insurance Agency Limited are required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly Liberty International Insurance Limited and the customer.

For more information on our insurance products, please contact us.
Hotline:	(852) 2272 8893
Fax:	(852) 2854 1103
Email:	enquiry@ocbcwhins.com or visit any branches of OCBC Wing Hang for enquiry

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