HelperJoy
Insurance Coverage

Plan Basic

Comprehensive

Superior

Eligibility Full-time or Part-time Local Domestic Helpers

Full-time Overseas Domestic Helpers

Benefits Maximum Limit (HK$)

1Employees' Compensation

Limit per accident or disease 100,000,000 100,000,000 100,000,000
Protect you, as the employer, against liability under the Employees' Compensation Ordinance if the Insured Helper sustains bodily injury by accident or disease arising out of and in the course of employment

2Out-patient Benefit

Aggregate limit per year N/A 3,500 4,000
(a) Medical consultation (including prescription of medicines and drugs) provided by registered medical practitioner Limit per year N/A 3,000 3,000
Limit per day N/A 150 250
(b) Bonesetting, physiotherapy or chiropractic treatment provided by registered Chinese medical practitioner, physiotherapist or chiropractor Limit per year N/A 500 1,000
Limit per day N/A 100 150

3Hospitalisation and Surgical Benefit

Aggregate limit per year N/A 20,000 25,000
(a) Room and Board (including miscellaneous hospital charges) Limit per day N/A 300 350
(b) Surgical Expenses Limit per disability N/A 12,000 15,000
(c) Anaesthetist's Fee N/A 3,000 or 25% of surgical expenses 3,800 or 25% of surgical expenses
(d) Operating Theatre Fee N/A 1,800 or 15% of surgical expenses 2,300 or 15% of surgical expenses

4Dental Benefit

Aggregate limit per year N/A 1,500 1,500
Cover expenses on oral surgery, treatment of abscesses, X-rays, extractions or fillings provided by registered dentist for the Insured Helper as a result of dental disease Limit per day N/A 2/3 of dental expenses 2/3 of dental expenses

5Service Interruption Allowance

Aggregate limit per year N/A 4,000 6,000
Loss of service due to hospitalisation of the Insured Helper for medical treatment Limit per day N/A 200 300

6Replacement Helper Expenses

Aggregate limit per year N/A 3,000 10,000
Extra employment agency fee and other replacement expenses due to the death or repatriation of the Insured Helper as a result of serious injury, illness or death

7Repatriation Expenses

Aggregate limit per year N/A 20,000 20,000
Repatriation of the Insured Helper if certified as medically unfit to complete the contract , or in the event of death

8Personal Accident

Aggregate limit per year N/A 100,000 150,000
Accidental death or permanent total disablement of the Insured Helper resulting from injury during rest days in Hong Kong
(a) Death N/A 100% 100%
(b) Permanent Total Disablement N/A 100% 100%
(c) Permanent Total Loss of Sight of one or both eyes N/A 100% 100%
(d) Loss of or Permanent Total Loss of Use of one or two Limbs N/A 100% 100%
(e) Permanent Total Loss of Speech and Hearing N/A 100% 100%
(f) Permanent Total Loss of Hearing in
- both ears N/A 75% 75%
- one ear N/A 15% 15%
(g) Permanent Total Loss of Speech N/A 50% 50%

9Personal Liability

Limit per accident / Aggregate limit per year N/A 100,000 200,000
Cover the Insured Helper's legal liability towards third parties for their bodily injury or property damage caused by his/her negligence

10Fidelity Guarantee

Aggregate limit per year N/A 3,000 6,000
Cover the financial loss from any fraudulent or dishonest act committed by the Insured Helper

11Medical Expenses Cover for Abuse of Child

Aggregate limit per year N/A N/A 5,000
Cover medical expenses for bodily injury (with evidence of police report and medical report) to your child under the age of 3 caused by the Insured helper’s intentional act
Waiting Period

- Each Insured Helper will be subject to a 15-day waiting period

- Waiting Period applicable to Out-patient Benefit, Hospitalisation and Surgical Benefit, Dental Benefit and Service Interruption Allowance

- All relevant claims occurring during the waiting period shall not be payable

Excess
Hospital and Surgical Benefit Each and every claim N/A 500 500
Personal Liability Each and every claim N/A 500 500
Policy Term : 1 year
Basic Premium 300 700 900
Policy Term : 2 years
Basic Premium 540 1,260 1,620

Remarks:

1. In accordance with the Insurance (Levy) Order, all premium amounts shown in this webpage are subject to IA Levy. For further information, please visit HERE.

2.The above premiums are for reference only. The quotes released in Sompo HK online platform would be final.

3.The above information is for reference only. For details of policy terms and conditions, please refer to the policy.

4. Should there be any discrepancies between the English and Chinese versions of the above details, the English version shall prevail.