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Great cover for a valued employee

Helper Insurance provides comprehensive domestic helper coverage with extra benefits in excess of your legal obligations as a responsible employer.

Key features

  • Employees’ compensation for your helper up to HKD100 million
  • Hospital expenses, personal effects and repatriation expenses are covered by our Basic Plan and our Comprehensive Plan
  • Choose our Comprehensive Plan for additional features including clinical and dental expenses, protection against fraud, dishonesty and personal liability
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  • Major exclusions
  • Policy documents
  • Helper Insurance Coverage and Premiums

What’s included?

Employees’ compensation

If you need to pay compensation, we will cover up to HKD100 million per event.

Hospital expenses

We will cover up to HKD25,000 in hospital fees for your helper in any one year.

Repatriation expenses

We’ll pay the cost of repatriation, up to HKD15,000 per year.

Personal effects

We will insure your helper’s personal effects up to the value of HKD10,000 per year.

Comprehensive Plan extras

Get extra value with our Comprehensive Plan. Choose this and you’ll also be covered for:

  • Clinical expenses up to HKD3,000 per year
  • Dental expenses up to HKD1,500 per year
  • Personal liability incurred by your helper up to HKD200,000 per event
  • Hiring a temporary helper up to HKD 6,000 per year
  • Loss due to fraud and dishonesty by your helper up to HKD10,000 and unauthorised international telephone charges up to HKD3,000 per year
  • Replacing your helper up to HKD5,000 per year

For more details and a full list of exclusions, refer to our policy document.

Manage your policy online

At HSBC, we understand life never stands still. Which is why you can make changes to your policy online anytime.

It's easy to:

  • check or review your policy details
  • change your payment instructions, including your premium payment account and payment method

You can also call our Insurance Service Hotline at (852)2867 8678(852)2867 8678.

Make a claim

Sometimes life doesn’t go according to plan and you’ll want to make an insurance claim as soon as possible.

You may submit a claim online anytime or call our claims hotline on (852) 2288 6808(852) 2288 6808 should you require any help.

HomeSurance

Look after the things you treasure most. Our home insurance can suit your needs and fully guard you against the unexpected.

Accident Insurance

Make sure you have a safety net to help you manage your finances. Focus on what matters if you or your family is injured in an accident.

Fire Insurance

Fire Insurance covers your home's structure, fixtures and fittings, against hazards such as fire, typhoons and floods, and provides you with the financial resources to replace what you have lost so that you can get back to normal as soon as possible.

Helper Insurance provides domestic helper coverage with extra benefits in excess of your legal obligations as a responsible employer.

There are two plans for selection, one is Basic Plan and the other is Comprehensive Plan. The Annual premium for Basic Plan is HKD 585.00 and Comprehensive Plan is HKD 860.00.

Please note: The premiums are not guaranteed to remain unchanged and AXA General Insurance Hong Kong Limited reserves the right to vary the premiums of the policy.

Here outlines the features of Basic Plan:

  • Employees’ compensation
  • Hospital expenses
  • Repatriation expenses
  • Personal effects

Here outlines the features of Comprehensive Plan:

  • Employees’ compensation
  • Hospital expenses
  • Clinical expenses
  • Dental expenses
  • Repatriation expenses
  • Personal accident(at home)
  • Replacement of helper
  • Infidelity (loss due to fraud and dishonesty)
  • Personal liability
  • Temporary helper allowance
  • Unauthorised use of IDD
  • Personal effects
  • Lock replacement (due to infidelity or repatriation of helper)

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.

Suicide, self-inflicted injuries or pregnancy will not be covered under this Policy.

You can apply through HSBC public website or logging on to the Personal Internet Banking if you have a HSBC Personal Internet Banking account.

You can call Insurance Service Hotline at (852)2867 8678(852)2867 8678 should you have any queries about your policy, or manage your policy at ease by e Policy Servicing after logging on to HSBC Internet Banking if you are a HSBC internet banking customer. This online service provides you with 24 hour access to your policy details and allows you to submit policy service requests without hassle.

This Policy does not cover any insured helpers who are:

(a) Not aged between 18 and 59 on inception of the Insured Helper's insurance or
(b) Aged above 64 on subsequent insurance renewal.

End Notes Select to Expand Select to Collapse

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 Commissioner of Insurance 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 Companies Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent 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.