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Tokio Marine's Domestic Helper Insurance provides comprehensive coverage to cover your legal obligations as a caring and responsible employer. In addition, you and your domestic helper are entitled to extra benefits at no additional cost. (for overseas domestic helpers only)

The Domestic Helper Insurance provides cover for your legal liability for injury or disease suffered by your domestic helper arising out of and in the course of his/her employment. This cover is available for overseas domestic helpers who are employed under an Employment Contract as governed by the Immigration Ordinance (Chapter 115). In addition to the Employees' Compensation Insurance to the domestic helper, we also provide the following Extra Benefits: (subject to the Age Limit of 16 to 65 years old)

 
Extra Benefits
Extra Benefits
  Limit of Liability (HK$)
Coverage
1. Clinical Expenses    
  Reimbursement of expenses incurred by the Domestic Helper up to
(including heart disease and cancer)
 
 
i.
 
Clinical Treatment
$200 per visit per day
 
ii.
 
Bonesetter or Physiotherapist Treatment
$100 per visit per day
    $500 per 12 month period of insurance
 
Total maximum payable amount
$3,000 per 12 month period of insurance
2. Surgical and Hospitalization Expenses  
  Reimbursement of expenses incurred by the Domestic Helper up to  
 
i.
 
Room, Board & other miscellaneous Hospital charges
$300 per day
 
ii.
 
Surgical operation
$15,000 per disability
 
Total maximum payable amount
$30,000 per 12 month period of insurance
3. Loss of Services Cash Allowance  
  Cash allowance each day commencing from the fourth (4th) day of each hospital confinement
$200 each day
 
$6,000 per 12 month period of insurance
4. Dental Expenses  
  Reimbursement of two-third of the expenses incurred up to
$1,500 per 12 month period of insurance
5. Personal Accident Benefits  
  Lump sum of the Capital Sum in accordance with the percentages specified in the Table of Personal Accident Benefits (for details please refer to the insurance policy)
$100,000 Capital Sum
6. Repatriation Expenses  
  Reimbursement of the expenses incurred up to
$20,000 per 12 month period of insurance
7. Rehiring Expenses  
  Reimbursement of the expenses incurred up to
$10,000 per 12 month period of insurance
8. Loan Protection  
  Reimbursement of uncollectible loan to the Domestic Helper, limit up to
$5,000 per 12 month period of insurance
9. Fidelity Guarantee  
 
i.
 
Reimbursement of the loss resulting from fraud or dishonest act committed by the Domestic Helper, limit up to
$5,000 per 12 month period of insurance
 
ii.
 
sub-limit for unauthorized telephone calls
$1,000 per 12 month period of insurance
 
Premium Table
  PREMIUM TABLE (INCLUSIVE OF ECI LEVY)  
  No. of Foreign Domestic Helper/Gardener 1 Year Policy 2 Years Policy  
  HK$ HK$
One 650 1,170
Two or more (Each) 580 1,048
  No. of Foreign Domestic Driver 1 Year Policy 2 Years Policy  
  HK$ HK$
One 1,150 2,074
Two or more (Each) 1,046 1,850
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.