Caring and Sharing - A Powerful Combination
Taking good care of your children and carrying out daily household work so that you can better provide for your family, your domestic helper plays a vital role in your life, and needs your care and support in return. ICBC (Asia) Domestic Employee Insurance (this "Plan") provides protection not only for your domestic helper, but helps to create trust. We offer more cover than is required by law, and at a reasonable price from AXA, the world's largest insurance group.
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Employer's Liability
If your domestic employee suffers injury or disease arising out of, and in the course of employment, this Plan indemnifies you against liability under the Employees' Compensation Ordinance and Common Law for damages and claimants costs and expenses, up to a limit of HK$100,000,000 for any one event.
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Hospitalization & Surgical Expenses
In the event that your domestic employee is in the hospital for surgery or treatment of sickness, or injury resulting from an accident, this Plan covers room and board expenses up to a maximum of HK$350 per day and surgical expenses up to a maximum of HK$15,000 per operation. The maximum amount payable is HK$30,000 per year.
No excess or waiting period will be applied, only the standard policy exclusions.
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Out-patient Expenses
In the event that your domestic employee requires medical treatment from a clinic for sickness or injury resulting from an accident, this Plan covers expenses incurred up to HK$200 per visit. The maximum amount payable is HK$3,500 per year.
No excess or waiting period will be applied, only the standard policy exclusions.
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Dental Expenses
This covers 75% of emergency dental expenses incurred by your domestic employee, including oral surgery, treatment of abscesses, X-rays, extractions or fillings, up to a limit of HK$2,000 per year.
A 15-day waiting period applies to this section.
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Personal Accident
This provides up to HK$100,000 of cover per policy year to your domestic employee in the event of serious accidental injury or death anywhere in Hong Kong. This protects the employer in the event of a claim from the domestic employee or his/her estate. The benefit will be paid to the injured employee or his/her next of kin.
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Repatriation Expenses
If your domestic employee becomes medically unfit to continue employment or in the event of death in service, this Plan covers the cost of repatriating him/her back to the country of origin, up to a limit of HK$10,000 per policy year.
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Re-hiring Expenses
In the event of your domestic employee becoming medically unfit to finish a contract or in the event of death in service, this benefit will pay up to HK$10,000 per policy year for expenses incurred in securing a replacement employee, including air ticket, agency fees and processing fees.
- Free Additional Benefits
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Hospital Cash Subsidy
If your domestic employee is hospitalised as an in-patient for five consecutive days or more, this benefit will pay the employer HK$200 per day up to a maximum of HK$6,000 per policy year.
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Loan Protection
If you make a financial loan with documented evidence/proof to your domestic employee which cannot be repaid due to the death of the employee, or his/her being medically unfit to continue employment, this Plan will reimburse the amount of the loan outstanding, up to a limit of HK$10,000 per policy year.
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Premium Table (in HK$)
| Period |
One Domestic Employee |
Two or More Domestic Employees |
| 1 year |
$680 inclusive Levy |
$610 per employee inclusive Levy |
| 2 years |
$1,200 inclusive Levy |
$1,050 per employee inclusive Levy |
Levy: An employer is required by Law to pay the Employees' Compensation Insurance Levy (ECIL). This Levy is used for funding the Occupational Safety & Health Council, the Employees Compensation Assistance Fund Board and the Occupational Deafness Compensation Board.
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A considerable premium discount if you opt for a 2-year period of insurance
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An additional 10% premium discount if you insure more than one domestic employee under this Plan
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If you change your domestic employee, coverage will be automatically transferred to the new employee (notification required as soon as possible)
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- Your choice of either 1 or 2 years
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How to find out more
| The information contained in this web-site is designed to serve as introduction only. For all relevant clauses and details, you should refer to the insurance contract. |
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Personal
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