Protects you from your mandatory liabilities as an employer to your domestic helper under the Employees' Compensation Ordinance
It further offers you a peace of mind with other comprehensive coverages whenever you are an employer to foreign domestic helper, local (part-time) domestic helper or postnatal care helper.
Cover up to HKD100 million per event for your employer's liability to the helper who is your employee under the Employees' Compensation Ordinance
Reimburse clinical expenses incurred by your foreign domestic helper, up to HKD300 per visit, one visit per day, and HKD3,000 per policy year (comprehensive plan)
Reimburse up to HKD5,000 for next foreign domestic helper replacement expense in events of foreign domestic helper's sudden leave, early termination of employment contract if happens 2 times or more per policy year and foreign domestic helper's negligence (comprehensive plan)
24-hour home assistance hotline services.
Limited time offer
Enjoy these offers when you apply for this plan for your employees:
- 2-year Foreign Domestic Helper Plan - 25% premium discount in perpetual and additional HKD100 PARKnSHOP supermarket gift coupons
- 1-year Foreign Domestic Helper Plan / Local (part-time) Domestic Helper Plan - 20% premium discount in perpetual
- Postnatal Care Helper Plan - 20% premium discount
Offer till 30 April 2023
Choose the type of helper you wish to cover
Cover for your local (part-time) domestic helper, postnatal care helper, or foreign domestic helper
Our HelperShield Insurance covers more than just employees' compensation to help you meet your obligations as an employer of a local (part-time) domestic helper, postnatal care helper, or foreign domestic helper.
Foreign domestic helper
Local (part-time) domestic helper / postnatal care helper
- Any helper not in your immediate employment
- Suicide and self-inflicted injuries
- Routine or general medical check-ups
- Pregnancy or its complications
- Any treatment in connection with drugs or alcohol
- HIV and any HIV related illness including AIDS
- Applicable to Sections 2, 3, 4 and 8, any claim from the bodily injury, sickness or disease sustained before the policy inception date and incurred medical treatment within the 3 consecutive months before the policy inception date. If no medical treatment is incurred on such bodily injury, sickness or disease within 3 consecutive months immediately after inception of the insured helper's insurance, benefits under these Sections shall subsequently become effective
For all exclusions, please refer to the policy wording(pdf).
How to apply
- Hong Kong identity card holder
- aged 18 or above
- in Hong Kong SAR when applying for this insurance
- enter into an employment contract with the helper
- paid premium by HSBC credit card (Visa/MasterCard) issued in Hong Kong
Foreign domestic helper/ Local (part-time) domestic helper / Postnatal care helper:
Ready to apply?
You will be directed to the AXA website to make your application.
Need to make a claim?
You can make a claim at any time—online, over the phone or at an HSBC branch.
Find out more
Please note that these FAQs are for reference only, and are not intended to be a complete description of the applicable terms and conditions. Please refer to the policy terms and conditions to understand all of the benefits and exclusions. In case of any inconsistencies between these FAQs and the policy terms and conditions, the terms of the policy terms and conditions shall prevail.
Why the employer is required to buy insurance for the helper?
Can I apply for HelperShield Insurance for the foreign domestic helper/local (part-time)/postnatal care helper who are under employment contract with my family members?
Is there any waiting period for HelperShield Insurance?
How does HelperShield Insurance cover my liability to the helper who contracted COVID-19?
Is there any premium refund for HelperShield Insurance if I cancel the policy during the period of insurance?
What should I do if I replace / dismiss my domestic foreign helper/postnatal care helper?
Can I buy HelperShield insurance for my foreign domestic helper "before" I entered into a standard Employment Contract (ID 407) as specified by the Director of Immigration of Hong Kong SAR with my helper?
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Please note that HelperShield Insurance's coverage may overlap with your other existing protection plans' coverage or exceed your needs, we suggest you compare HelperShield Insurance's coverage with any existing protection plan you have in place to avoid duplication.
General Insurance products are applicable to HSBC Account holders and HSBC credit card holders only.
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.
The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.
For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.