Helper Insurance

Helper Insurance Coverage

Premiums

Major Exclusions

Health check-up Package

Helper Insurance Coverage

Coverage	Basic Plan Maximum Benefits (HK$)	Comprehensive Plan Maximum Benefits (HK$)
Employees' compensation	100,000,000 per event	100,000,000 per event
Hospital expenses	25,000 per year(300 per day for room and board charges)	25,000 per year(300 per day for room and board charges)
Clinical expenses	Not applicable	3,000 per year at 150 per visit per day
Dental expenses	Not applicable	2/3 of actual expenses up to 1,500 per year
Repatriation expenses	15,000 per year	15,000 per year
Personal accident (at home)	Not applicable	200,000 (death or injury caused by robbery) 100,000 (death or injury caused by other accident)
Replacement of helper	Not applicable	5,000 per year
Infidelity (loss due to fraud and dishonesty)	Not applicable	10,000 per year
Personal liability	Not applicable	200, 000 per event
Temporary helper allowance	Not applicable	6,000 per year at 200 per day
Unauthorised use of IDD	Not applicable	3,000 per year
Personal effects	10,000 per year	10,000 per year
Lock replacement (due to infidelity or repatriation of helper)	Not applicable	500 per year

Premiums

Plan	Basic Plan	Comprehensive Plan
Annual premium (HK$)	585	860

Major Exclusions

Domestic helper(s) not in your immediate employ
Suicide and self inflicted injuries
Repatriation at the end of employment contract
Routine or general medical check-ups
Pregnancy or its complications
Replacement of helper at the end of employment contract

Health check-up Package

With Helper Insurance, your insured helper is entitled to a basic health check-up package at a special price of HK$650 (original price HK$1,370*). This health check-up is available at the designated clinics throughout Hong Kong and the results will be ready within 10 working days. A more comprehensive health check-up package+ is also available at HK$900 if you prefer a more extensive check-up package for your domestic helper.
* The original price of the health check-up is listed for reference only and it may vary with different clinics. The basic check-up package includes test items of Urine Routine, Urine for Pregnancy, Chest X-ray, Hepatitis B Surface Antigen and Antibody, Venereal Disease Research Laboratory Slide Test, Human Immunodeficiency Virus Infection I & II and Stool Routine.
+ The comprehensive check-up package includes test items of Complete Blood Count and Hepatitis A Screening in addition to the above basic package.
Notes:

1. Each insured domestic helper is entitled to the special discount offer once per policy year.
2. You may arrange the health check-up with any one of the designated clinics at the above special price and a seven-day advance booking is required. Payment should be made direct to the clinic at the time of the health check-up.
3. The health check-up is arranged by the appointed network of panel doctors which is responsible for the services supplied, in relation to which the Bank shall have no liability.

NB: The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.

Helper Insurance is underwritten by HSBC Insurance (Asia) Limited which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hong Kong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Insurance (Asia) Limited.

Helper Insurance Package offered by HSBC Insurance (Asia) Limited is only available for subscription by residents of Hong Kong SAR.