Major Product Feature
1. Medical Expenses Coverage
Provides comprehensive coverage of hospitalization & surgical (include day surgery), out-patient, and emergency dental expenses incurred by your domestic helper up to the limit specified in the summary of benefits.
2. Personal Liability
Protect you against the legal liability arises from your domestic helper in respect of accidental bodily injury to third party or accidental loss of or damage to their property. We will pay up to $100,000 per year.
3. Repatriation Expenses
If your domestic helper becomes medically unfit to continue employment or in the event of death in service, a benefit up to $20,000 will be provided to cover the cost of repatriating him/her to the country of origin.
4. Hospital Cash Subsidy
If your domestic helper is hospitalised as an in-patient for five or more consecutive days, you will receive a hospital cash subsidy of $200 per day and up to $6,000 per year.
5. Fidelity Protection
This covers any financial loss resulting from fraud or dishonest acts committed by your domestic helper up to $8,000 per year.
Optional Cover
Supplementary Medical (Critical Illness) Benefit
-
Additional $70,000 medical cover on top of the basic $30,000 cover
-
We will pay you the medical treatment expenses if your domestic helper is hospitalized due to a critical illness# provided that it does not exist prior to the first entry date of this optional cover
# List of covered critical illness:
-
Stroke
-
Multiple Sclerosis
-
Coronary Artery By-pass Surgery
-
Aorta Surgery / Heart Valve Replacement
-
Cancer
-
Encephalitis
-
Kidney Failure
-
Bacterial Meningitis
-
Major Organ Transplantation
-
Stones in the Urinary and Biliary Systems
Special Features
-
No excess or waiting period will be applied, only the standard policy exclusions.
-
A considerable premium discount if you opt for a 2-year period of insurance (applicable to Basic Cover only).
-
An additional 10% premium discount if you insure more than one domestic helper under this Plan (applicable to Basic Cover only).
-
If you change your domestic helper, coverage can be transferred to the new helper (notification required).
Summary of Benefits
|
Basic Cover |
Max. Limit
Per Year
|
|
(1) Employees’ Compensation
Protect your legal liability as an employer under the Employees’
Compensate Ordinance and Common Law
|
$100,000,000
per event |
(2) Hospitalization & Surgical Expenses
a) Daily room and board expenses
b) Surgical expenses
c) Day Surgery |
$30,000
$350/day
$15,000/operation
$7,500 |
(3) Out-patient Expenses
a) Out-patient visit
b) Bonesetter |
$4,000
$200/visit/day
$500 ($100/visit/day) |
|
(4) Emergency Dental Expenses
Include oral surgery, treatment of abscesses, X-rays, extractions of
fillings
|
$2,500
($200/visit/day) |
(5) Personal Accident
Serious accidental injury or death during rest day in Hong Kong |
$100,000 |
(6) Personal Liability
Third party liability arising out of negligence of your domestic helper |
$100,000 |
|
(7) Repatriation Expenses
If your domestic helper is medically unfit to continue employment or
in the event of death in service
|
$20,000 |
|
(8) Re-hiring Expenses
If your domestic helper is medically unfit to finish a contract or in the
event of death in service
|
$10,000 |
(9) Hospital Cash Subsidy
If your domestic helper is hospitalized as an in-patient |
$6,000
($200/day) |
|
(10) Loan Protection
For financial loan from you which cannot be repaid due to death of
your domestic helper or his/her being medically unfit to continue
employment
|
$10,000 |
(11) Fidelity Protection
Financial loss resulting from fraud or dishonest act committed by
your domestic helper, including
a) Costs of replacing main door lock/gate lock
b) Unauthorized use of long distance calls |
$8,000
$1,000
$3,000
|
|
Optional Cover |
(1) Supplementary Medical (Critical Illness) Benefit
Additional medical cover on top of the basic cover |
$70,000 |
Remark:
-
All amounts are in Hong Kong Dollars
