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Product highlight
Provide medical care for your helper, daily subsidy for hospitalization and cover your legal liabilities as an employer etc. to ease your burden.
Coverage summary
Replacement expenses protection
Provide up to HKD5,000 replacement expenses per policy year in case your domestic helper:
- resigns within three months after inception of his/her first contract
- committed dishonest act/fraud
- has gone missing without notice
- causes bodily injury to your family members due to negligence
Daily subsidy
Provide daily subsidy if your domestic helper:
- is hospitalized for treatment or surgery for more than three consecutive days
- suffers from cancer or heart diseases and requires prolonged medical leave of more than five consecutive days
Multiple coverages
- Employer legal liabilities: Up to HKD 100,000,000 per event, in case your domestic worker is ill or injured
- Fidelity benefit: Offer up to HKD 10,000 for losses from your domestic helper's fraud or dishonest acts
- Medical expense benefit: In case your family members are injured due to intentional malicious acts of your domestic helper
Cover for postnatal care and part-time helpers
- Flexible coverage period of one or two years, also suitable for part-time domestic helpers
- Cover for postnatal care helper, with a minimum coverage period of three months
Flexible medical coverage
Other than Employees’ Compensation Insurance Plan, you can also choose our domestic helper insurance plan with medical coverage:
- Enjoy both network and non-network outpatient medical benefits
- No co-payment or claims submission is needed for network general practitioner visits
- Up to HKD80,000 hospitalization benefit per policy year
- Optional benefit upgrade to protect against medical expenses incurred due to heart disease and cancer
Plan Coverage
| Coverage | Maximum benefits |
|---|---|
| 1. Employer’s liability | HKD 100,000,000 per event |
| 2. Replacement expenses | HKD 5,000 per policy year |
| 3. Service interruption cover | HKD 200 per day (maximum 30 days per policy year) |
| 4. Fidelity protection | HKD 10,000 per policy year |
| 5. Medical expenses for family member | HKD 5,000 per policy year |
| 6a. Medical expense for domestic employee - Outpatient medical expenses | (Non-network benefit) Annual limit/Maximum number of visit per policy year - HKD 3,000 per policy year Maximum number of visit per day - One visit per day (i) General practitioner - HKD 200 per visit (ii) Specialist or chiropractor - HKD 200 per visit (iii) Physiotherapist or traditional Chinese practitioner including bone-setting - HKD 100 per visit, up to HKD 500 per policy year (Network benefit) Annual limit/Maximum number of visit per policy year - 20 visits per policy year Maximum number of visit per day - One visit per day (i) General practitioner - HKD 0 co-payment per visit (ii) Specialist or chiropractor - HKD 250 co-payment per visit (iii) Physiotherapist or traditional Chinese practitioner including bone-setting - HKD 100 co-payment per visit |
| 6b. Medical expense for domestic employee - Hospitalization expenses | HKD 80,000 per policy year (i) Room and board charges - HKD 300 per day (ii) Each hospital confinement or day patient or outpatient surgery - HKD 15,000 |
| 7. Dental expenses | HKD 2,000 per policy year |
| 8. Personal accident | HKD 100,000 |
| 9. Repatriation cost | HKD 10,000 per policy year |
| 10. Domestic employee’s liability | HKD 100,000 per event |
| 11. Optional benefit – heart disease and cancer cover | Classic Plan: HKD 50,000 per policy year Deluxe Plan: HKD 100,000 per policy year |
| 11a. Out-patient expenses and hospitalization | Same as the sub-limit of Section 6a and 6b |
| 11b. Other medical treatments | HKD 1,000 per treatment |
For more coverage details, download policy wording
Our partner
About Zurich Insurance (Hong Kong)
Zurich Insurance (Hong Kong) is part of Zurich Insurance Group. In Hong Kong, we offer a full range of flexible insurance solutions to individuals, as well as commercial and corporate customers. Zurich’s presence in Hong Kong dates back to 1961. Since then, the company has dedicated to serving the Hong Kong community.
Cathay Pacific Airways (license number: FA3522) is appointed by Zurich as its insurance agency.
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