HelperShield Insurance

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HelperShield Insurance

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.

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Key benefits

Employees' compensation

Cover up to HKD100 million per event for your employer's liability to the helper who is your employee under the Employees' Compensation Ordinance

Clinical expenses

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)

Replacement expenses

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)

Emergency assistance

24-hour home assistance hotline services.

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.

We offer two HelperShield Insurance plans for employers of foreign domestic helpers. This table provides an overview of the benefits covered in each plan.
Benefits	Basic Plan Maximum limit of indemnity per period of insurance (HKD)	Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)
Section 1 - Employees' compensation	100,000,000 per event	100,000,000 per event
Section 2 - Hospital expenses (including inpatient/outpatient/day patient surgery and inpatient treatment)	25,000 per year Excess: the first 300 per hospital admission Waiting period: 14 days	35,000 per year Excess: the first 300 per hospital admission Waiting period: 14 days
Sub-limit: (a) Room and board and other miscellaneous hospital services expenses	300 per day	300 per day
(b) Each hospital admission as an inpatient/outpatient/ day patient for surgical operation expenses	12,000	16,000
(c) Anesthesia and its administration cost	25% of surgical operation expenses as (b) above	25% of surgical operation expenses as (b) above
(d) Operating theatre expenses	25% of surgical operation expenses as (b) above	25% of surgical operation expenses as (b) above
Section 3 - Clinical expenses	Not covered	3,000 per year; one visit per day; 300 per visit; waiting period: 14 days
Sub-limit: Chiropractic treatment and physiotherapy	Not covered	150 per visit
Section 4 - Dental expenses	Not covered	2/3 of actual expenses up to 1,800 per year waiting period: 14 days
Section 5 - Personal accident at home	Not covered	200,000 for robbery; 100,000 for accident other than robbery
Section 6 - Repatriation expenses	20,000 per year	20,000 per year
Section 7 - Replacement of helper expenses We pay the replacement cost (excluding salary) if a new foreign domestic helper should be employed in the events of: (a) sudden leave without any prior notice of insured foreign domestic helper who have been working over 2 consecutive years for the insured; (b) early termination of employment contract benefit: the early termination of employment contract has occurred 2 times in a year, and in which either the insured foreign domestic helper resigns or being dismissed by the insured; (c) the insured or the insured's family member sustains bodily injury caused by intentional malicious act or negligence of the insured foreign domestic helper; (d) the fraud or dishonest acts of the foreign domestic helper (e) the insured repatriates the insured foreign domestic helper or returns his/her mortal remains to his/her country of residence and a valid claim is payable under Section 6 - Repatriation expenses of this policy.	Not covered	5,000 per year. Sub-limit to (a): 2,000 per year Sub-limit to (b): 2,000 per year Excess for (a) to (d) (not applicable for the reason of repatriation): the first 3 months of the employment or the period for employment agency to replace the Foreign Domestic Helper at no service fee, whichever is the longer.
Section 8 - Service interruption allowance	Not covered	6,000 per year at 200 per hospital confinement day as an inpatient. Excess: the first 3 consecutive days of hospital confinement as an inpatient
Section 9 - Fraud and dishonesty protection	2,000 per year	12,000 per year
Section 10 - Personal liability	50,000 per event Excess: the first 500 in each and every third party property damage claim	200,000 per event Excess: the first 500 in each and every third party property damage claim
Section 11 - Unauthorized use of IDD	Not covered	3,000 per year
Section 12 - Personal effects	10,000 per year. Excess: the first 300 in each and every claim	10,000 per year. Excess: the first 300 in each and every claim
Sub-limit: Item limit of personal effects	1,000 per item	1,000 per item
Personal money	3,000 for each claim	3,000 for each claim
Section 13 - Lock replacement	500 per year	1,500 per year
Section 14 - Support to the employer in the event of foreign domestic helper's death	Not covered	4,500 per year
Sub-limit: (a) Annual leave allowance	Not covered	Up to 500 per day, maximum 1,500
(b) Trauma counselling expense	Not covered	Up to 1,000 per day per visit, maximum 3,000
Section 15 - 24-Hour Home Assistance Services (a) Electrician referral (b) Plumber referral (c) Locksmith referral (d) House call/Dental referral (e) Baby-sitting/Home nursing referral (f) Pest control/Cleaning services referral (g) General repair on household items referral (h) Local (part-time) domestic helper, including postnatal care helper referral & foreign domestic helper advisory service* (i) Air-conditioner engineer referral (j) Medical service provider referral (k) Free legal/arbitration referral service for dispute with helpers/employment agency *Foreign domestic helper advisory service in the above means provision of information released by the Labour Department of Hong Kong SAR Government relating to foreign domestic helpers.	Free (no limit)	Free (no limit)
OPTIONAL COVER - Supplementary medical (critical illness) benefit Reimburse the medically necessary treatment expenses in excess of the amount payable under Section 2 - Hospital expenses for surgery of treatment of critical illnesses as specified below: (a) Stroke (b) Coronary Artery By-pass Surgery (c) Cancer (d) Kidney failure (e) Major organ transplantation (f) Multiple sclerosis (g) Aorta surgery/heart valve replacement (h) Encephalitis (i) Bacterial meningitis (j) Stones in the urinary and biliary systems (only applicable to the insured foreign domestic helper(s) specified in the policy schedule)	50,000 per year, subject to the same sub-limit of Section 2. Excess: the first HKD300 of a claim as a result of cancer	50,000 per year, subject to the same sub-limit of Section 2. Excess: the first HKD300 of a claim as a result of cancer

We offer two HelperShield Insurance plans for employers of foreign domestic helpers. This table provides an overview of the benefits covered in each plan.
Benefits	Section 1 - Employees' compensation
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	100,000,000 per event
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	100,000,000 per event

Benefits	Section 2 - Hospital expenses (including inpatient/outpatient/day patient surgery and inpatient treatment)
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	25,000 per year Excess: the first 300 per hospital admission Waiting period: 14 days
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	35,000 per year Excess: the first 300 per hospital admission Waiting period: 14 days

Benefits	Sub-limit: (a) Room and board and other miscellaneous hospital services expenses
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	300 per day
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	300 per day

Benefits	(b) Each hospital admission as an inpatient/outpatient/ day patient for surgical operation expenses
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	12,000
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	16,000

Benefits	(c) Anesthesia and its administration cost
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	25% of surgical operation expenses as (b) above
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	25% of surgical operation expenses as (b) above

Benefits	(d) Operating theatre expenses
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	25% of surgical operation expenses as (b) above
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	25% of surgical operation expenses as (b) above

Benefits	Section 3 - Clinical expenses
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	Not covered
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	3,000 per year; one visit per day; 300 per visit; waiting period: 14 days

Benefits	Sub-limit: Chiropractic treatment and physiotherapy
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	Not covered
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	150 per visit

Benefits	Section 4 - Dental expenses
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	Not covered
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	2/3 of actual expenses up to 1,800 per year waiting period: 14 days

Benefits	Section 5 - Personal accident at home
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	Not covered
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	200,000 for robbery; 100,000 for accident other than robbery

Benefits	Section 6 - Repatriation expenses
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	20,000 per year
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	20,000 per year

Benefits	Section 7 - Replacement of helper expenses We pay the replacement cost (excluding salary) if a new foreign domestic helper should be employed in the events of: (a) sudden leave without any prior notice of insured foreign domestic helper who have been working over 2 consecutive years for the insured; (b) early termination of employment contract benefit: the early termination of employment contract has occurred 2 times in a year, and in which either the insured foreign domestic helper resigns or being dismissed by the insured; (c) the insured or the insured's family member sustains bodily injury caused by intentional malicious act or negligence of the insured foreign domestic helper; (d) the fraud or dishonest acts of the foreign domestic helper (e) the insured repatriates the insured foreign domestic helper or returns his/her mortal remains to his/her country of residence and a valid claim is payable under Section 6 - Repatriation expenses of this policy.
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	Not covered
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	5,000 per year. Sub-limit to (a): 2,000 per year Sub-limit to (b): 2,000 per year Excess for (a) to (d) (not applicable for the reason of repatriation): the first 3 months of the employment or the period for employment agency to replace the Foreign Domestic Helper at no service fee, whichever is the longer.

Benefits	Section 8 - Service interruption allowance
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	Not covered
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	6,000 per year at 200 per hospital confinement day as an inpatient. Excess: the first 3 consecutive days of hospital confinement as an inpatient

Benefits	Section 9 - Fraud and dishonesty protection
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	2,000 per year
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	12,000 per year

Benefits	Section 10 - Personal liability
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	50,000 per event Excess: the first 500 in each and every third party property damage claim
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	200,000 per event Excess: the first 500 in each and every third party property damage claim

Benefits	Section 11 - Unauthorized use of IDD
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	Not covered
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	3,000 per year

Benefits	Section 12 - Personal effects
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	10,000 per year. Excess: the first 300 in each and every claim
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	10,000 per year. Excess: the first 300 in each and every claim

Benefits	Sub-limit: Item limit of personal effects
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	1,000 per item
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	1,000 per item

Benefits	Personal money
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	3,000 for each claim
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	3,000 for each claim

Benefits	Section 13 - Lock replacement
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	500 per year
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	1,500 per year

Benefits	Section 14 - Support to the employer in the event of foreign domestic helper's death
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	Not covered
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	4,500 per year

Benefits	Sub-limit: (a) Annual leave allowance
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	Not covered
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	Up to 500 per day, maximum 1,500

Benefits	(b) Trauma counselling expense
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	Not covered
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	Up to 1,000 per day per visit, maximum 3,000

Benefits	Section 15 - 24-Hour Home Assistance Services (a) Electrician referral (b) Plumber referral (c) Locksmith referral (d) House call/Dental referral (e) Baby-sitting/Home nursing referral (f) Pest control/Cleaning services referral (g) General repair on household items referral (h) Local (part-time) domestic helper, including postnatal care helper referral & foreign domestic helper advisory service* (i) Air-conditioner engineer referral (j) Medical service provider referral (k) Free legal/arbitration referral service for dispute with helpers/employment agency *Foreign domestic helper advisory service in the above means provision of information released by the Labour Department of Hong Kong SAR Government relating to foreign domestic helpers.
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	Free (no limit)
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	Free (no limit)

Benefits	OPTIONAL COVER - Supplementary medical (critical illness) benefit Reimburse the medically necessary treatment expenses in excess of the amount payable under Section 2 - Hospital expenses for surgery of treatment of critical illnesses as specified below: (a) Stroke (b) Coronary Artery By-pass Surgery (c) Cancer (d) Kidney failure (e) Major organ transplantation (f) Multiple sclerosis (g) Aorta surgery/heart valve replacement (h) Encephalitis (i) Bacterial meningitis (j) Stones in the urinary and biliary systems (only applicable to the insured foreign domestic helper(s) specified in the policy schedule)
Basic Plan Maximum limit of indemnity per period of insurance (HKD)	50,000 per year, subject to the same sub-limit of Section 2. Excess: the first HKD300 of a claim as a result of cancer
Comprehensive Plan Maximum limit of indemnity per period of insurance (HKD)	50,000 per year, subject to the same sub-limit of Section 2. Excess: the first HKD300 of a claim as a result of cancer

Unless otherwise specified, the limits, sub-limits and excess stated in Sections 2 to 15 and optional cover - supplementary medical (critical illness) benefit section are on a per insured helper basis.

Refer to this table for coverage for your local (part-time) domestic helper / postnatal care helper:
Benefits	Maximum limit of indemnity per period of insurance (HKD)
Section 1 - Employees' compensation	100,000,000 per event
Section 9 - Fraud and dishonesty protection	1,000 per period of insurance
Section 10 - Personal liability	50,000 per event. Excess: the first 500 in each and every third party property damage claim
Section 13 - Lock replacement	500 per period of insurance
Section 15 - 24-Hour Home Assistance Services (a) Electrician referral (b) Plumber referral (c) Locksmith referral (d) House call/Dental referral (e) Baby-sitting/Home nursing referral (f) Pest control/Cleaning services referral (g) General repair on household items referral (h) Local (part-time) domestic helper, including postnatal care helper referral & foreign domestic helper advisory service* (i) Air-conditioner engineer referral (j) Medical service provider referral (k) Free legal/arbitration referral service for dispute with helpers/employment agency	Free (no limit)

Refer to this table for coverage for your local (part-time) domestic helper / postnatal care helper:
Benefits	Section 1 - Employees' compensation
Maximum limit of indemnity per period of insurance (HKD)	100,000,000 per event

Benefits	Section 9 - Fraud and dishonesty protection
Maximum limit of indemnity per period of insurance (HKD)	1,000 per period of insurance

Benefits	Section 10 - Personal liability
Maximum limit of indemnity per period of insurance (HKD)	50,000 per event. Excess: the first 500 in each and every third party property damage claim

Benefits	Section 13 - Lock replacement
Maximum limit of indemnity per period of insurance (HKD)	500 per period of insurance

Benefits	Section 15 - 24-Hour Home Assistance Services (a) Electrician referral (b) Plumber referral (c) Locksmith referral (d) House call/Dental referral (e) Baby-sitting/Home nursing referral (f) Pest control/Cleaning services referral (g) General repair on household items referral (h) Local (part-time) domestic helper, including postnatal care helper referral & foreign domestic helper advisory service* (i) Air-conditioner engineer referral (j) Medical service provider referral (k) Free legal/arbitration referral service for dispute with helpers/employment agency
Maximum limit of indemnity per period of insurance (HKD)	Free (no limit)

Major exclusions

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

Eligibility

Applicant:

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:

aged between 18 and 59 on policy effective date
aged is not exceeding 64 on policy renewal date
hold a valid employment visa issued by Hong Kong Immigration Department for the employment from the policyholder
enter into a standard Employment Contract (ID 407) as specified by the Director of Immigration with the policyholder on/before the effective date of the policy
shall perform general daily household chores, excluding gardening, driving vehicles and postnatal care works.

Local (part-time) domestic helper:

Hong Kong identity card holder
aged between 18 and 64 on policy's effective date
perform general daily household chores, excluding gardening, driving vehicles and postnatal care works. The main duty of local (part-time) domestic helper should not be a home nurse, part-time care worker, postnatal care worker, driver, cook, or gardener.
monthly wage paid by the policyholder of the policy is not exceeding HKD10,000

Postnatal care helper:

Hong Kong identity card holder
aged between 18 and 64 on policy's effective date
perform postnatal care works only
monthly salary paid by the policyholder of the policy is not exceeding HKD50,000

Ready to apply?

You will be directed to the AXA website to make your application.

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Need to make a claim?

You can make a claim at any time—online, over the phone or at an HSBC branch.

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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.

The Employees' Compensation Ordinance of Hong Kong SAR requires employers to get insurance for their employees. The applicant of HelperShield Insurance should be the employer to the insured helper.

The policyholder of the HelperShield Insurance policy should be the immediate employer stated in the employment contract. If you are not the employer stated in the employment contract, you cannot apply HelperShield Insurance on behalf of your family members. The employment contract should be the standard Employment Contract (ID 407) as specified by the Director of Immigration of Hong Kong SAR if you are the employer of a foreign domestic helper. The policyholder should be holder of HSBC VISA/master credit card issued in Hong Kong SAR.

A 14-day waiting period from the commencement of the insured foreign domestic helper's insurance shall be applicable under Section 2 - Hospital Expenses, Section 3 - Clinical Expenses and Section 4 - Dental Expenses during which no benefit shall be payable. There is no waiting period for local (part-time) domestic helper and postnatal care helper policy.

Section 1 - Employees' Compensation:

The Employees' Compensation Ordinance stipulates that an employee may still claim compensation for a disease if it is a personal injury by accident arising out of and in the course of employment. COVID-19 is not a prescribed occupational disease under the Employees Compensation Ordinance (the "Ordinance"). Therefore, before you are liable under the Ordinance to pay compensation to the helper, the helper needs to prove that her contracting COVID-19 is a personal injury by accident. If the helper can prove that, HelperShield Insurance covers your liability under the Ordinance in accordance with the terms of the policy. Also, if the helper's contracting COVID-19 is due to your negligence, HelperShield Insurance also covers your liability under common law in accordance with the terms of the policy.

Section 2 - Hospital Expenses & Section 3:- Clinical Expenses:

According to Labour Department, an employer needs to provide free treatment for his/her foreign domestic helper within Hong Kong SAR, whether or not the helper’s bodily injury or sickness is attributed to his/her work. The medical expenses incurred by the foreign domestic helper contracting COVID-19 during the period of insurance will be covered under Section 2- Hospital Expenses and Section 3 – Clinical Expenses of HelperShield Insurance.

In the event of the insured foreign domestic helper's death or the foreign domestic helper is being certified by a qualified and licensed / registered medical practitioner of western medicine as medically unfit to complete the term of contract of employment as a result of sickness or bodily injury, AXA will reimburse the policyholder with the necessary and reasonable expenses actually incurred in repatriating the foreign domestic helper under Section 6 – Repatriation Expenses.

Foreign domestic helper and local (part-time) domestic helper policy:

You can cancel the policy by sending seven 7 days written notice to AXA. No refund of premium is allowed if there is any claim during the period of insurance.

The calculation of premium refund for foreign domestic helper and local (part-time) domestic helper policy are different for different types of policy.

One-year policy:
Period covered before cancellation (not exceeding)	Premium refund (% of premium paid)
4 months	50% of total premium paid
5 months	40% of total premium paid
6 months	30% of total premium paid
8 months	20% of total premium paid
Over 8 months	Nil

One-year policy:
Period covered before cancellation (not exceeding)	4 months
Premium refund (% of premium paid)	50% of total premium paid

Period covered before cancellation (not exceeding)	5 months
Premium refund (% of premium paid)	40% of total premium paid

Period covered before cancellation (not exceeding)	6 months
Premium refund (% of premium paid)	30% of total premium paid

Period covered before cancellation (not exceeding)	8 months
Premium refund (% of premium paid)	20% of total premium paid

Period covered before cancellation (not exceeding)	Over 8 months
Premium refund (% of premium paid)	Nil

Two-year policy (applicable to foreign domestic helper only) :
Period covered cancellation (not exceeding)	Premium refund (% of premium paid)
4 months	75% of total premium paid
5 months	70% of total premium paid
6 months	60% of total premium paid
8 months	50% of total premium paid
10 months	40% of total premium paid
12 months	30% of total premium paid
16 months	20% of total premium paid
Over 16 months	Nil

Two-year policy (applicable to foreign domestic helper only) :
Period covered cancellation (not exceeding)	4 months
Premium refund (% of premium paid)	75% of total premium paid

Period covered cancellation (not exceeding)	5 months
Premium refund (% of premium paid)	70% of total premium paid

Period covered cancellation (not exceeding)	6 months
Premium refund (% of premium paid)	60% of total premium paid

Period covered cancellation (not exceeding)	8 months
Premium refund (% of premium paid)	50% of total premium paid

Period covered cancellation (not exceeding)	10 months
Premium refund (% of premium paid)	40% of total premium paid

Period covered cancellation (not exceeding)	12 months
Premium refund (% of premium paid)	30% of total premium paid

Period covered cancellation (not exceeding)	16 months
Premium refund (% of premium paid)	20% of total premium paid

Period covered cancellation (not exceeding)	Over 16 months
Premium refund (% of premium paid)	Nil

Postnatal care helper policy:

Premium is not refundable for policy cancellation submitted after the policy effective date or the cooling-off period, whichever is the later, and provided that no claim has arisen during the Period of Insurance.

The policyholder shall give immediate written notice to AXA by submitting the General Insurance Amendment Request Form at here AXA can replace the terminated foreign domestic helper/postnatal care helper with the new insured helper within the same period of insurance of the policy. Any unused insurance for the terminated foreign domestic helper will be refunded in accordance with the policy terms and conditions and provided that there is no claim arisen of the terminated helper. AXA will charge additional premium should the number of foreign domestic helper is increased during the period of insurance of the policy.

No, you should enter into a standard Employment Contract (ID 407) as specified by the Director of Immigration of Hong Kong SAR with the foreign domestic helper "on/before" the effective date of this insurance.

Other frequently asked questions

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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.

Protects you from your mandatory liabilities as an employer to your domestic helper under the Employees' Compensation Ordinance

Key benefits

Employees' compensation

Clinical expenses

Replacement expenses

Emergency assistance

Limited time offer

Choose the type of helper you wish to cover

Cover for your local (part-time) domestic helper, postnatal care helper, or foreign domestic helper

Foreign domestic helper

Local (part-time) domestic helper / postnatal care helper

Major exclusions

How to apply

Eligibility

Foreign domestic helper/ Local (part-time) domestic helper / Postnatal care helper:

Useful documents

Ready to apply?

Need to make a claim?

Find out more

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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Additional information