| Coverage | Basic Plan | Extra Care | Super Care |
Ultra Care |
| Maximum Sum Insured Per Year (HK$)* *Sum Insured is Per Year, unless otherwise stated |
||||
| 1. Employee’s Compensation and Employer’s Liability | $100,000,000/ event |
$100,000,000/ event |
$100,000,000/ event |
$100,000,000/ event |
| 2. Personal Accident Insurance: | ||||
a. Accidental Death and Permanent Disablement b.Accident Medical Reimbursement |
X |
$120,000 |
$150,000 |
$200,000 |
| X | $20,000 | $20,000 | $20,000 | |
| 3. Hospitalisation Allowance and Surgical Expenses | X | $30,000 | $60,000 | $80,000 |
a. Daily Hospitalisation Allowance b. Surgical Expenses |
X
|
$350 /day $16,000/ |
$350 /day $20,000/ |
$350 /day $20,000/ |
| 4. Post Hospitalisation Expenses - Up to HK$300 per visit per day |
X | X |
X |
$1,000 |
| 5.Repatriation Expenses | ||||
a. Upon medical unfitness b. For mortal remains |
X X |
$5,000 $20,000 |
$5,000 $20,000 |
$5,000 $20,000 |
| 6. Clinical Expenses |
X |
X |
$4,000 |
$5,000 |
Outpatient Medical Expenses Reimbursement - Sub-limit: Up to HK$700/ year and HK$150 per visit per day for Chinese Medicine Practitioner, Physiotherapist and Chiropractor treatments |
X | X |
$250 /day | $300 /day |
| 7. Dental Expenses |
X | X |
$2,000 |
$3,000 |
| 8. Personal Belongings |
X | $3,000 | $3,000 | $3,000 |
| 9. Fidelity Protection | $5,000 | $5,000 | $5,000 | $10,000 |
| 10. Domestic Helper Liability | X |
X |
$100,000 |
$200,000 |
| 11.Replacement Hire Expenses |
X |
X |
$5,000 |
$10,000 |
| 12. Temporary Helper Subsidy |
X | X |
$250 /day, up to $7,500 /year |
$250 /day, up to $7,500 /year |
| 13. Medical Expenses for Family Member |
X |
X |
X |
$10,000 |
| 14. Lock Replacement | X | X | $1,500 | $3,000 |
*The above information provides an overview of the benefits covered in each plan. Please refer to the policy documents for complete terms and conditions and exclusions. If there is any inconsistency, the terms and conditions in the policy shall prevail. Please read the Terms & Conditions carefully before applying for insurance.
| Optional Major Cancer and Heart Disease Extension | Basic Plan | Extra Care | Super Care | Ultra Care |
| Coverage | Maximum Sum Insured Per Year (HK$)* *Sum Insured is Per Year, unless otherwise stated |
|||
| Extension of Benefits 3 and 5 due to Major Cancer and Heart Disease ^ | X | $100,000 | $100,000 | $100,000 |
^ Only available as an additional option to the Extra Plan, Super Care and Ultra Care for 1-year and 2-year premiums, offering flexibility in arranging the policy according to contractual terms of employment. The additional offer is applicable only to domestic workers recruited from outside Hong Kong under an Employment Contract and aged 18-64; those aged 60 and above will be subjected to additional loading of premiums.
As an employer, you are required to take out employees’ compensation insurance to cover your liabilities for your helper’s injuries at work. This is a requirement under the Employees’ Compensation Ordinance and foreign domestic helpers are entitled to the same benefits and protections under the Employment Ordinance. Failure to do so is an offense in law, punishable by a fine and imprisonment.
You are also required to provide free medical treatment to your foreign domestic helper according to the standard employment contract, which is another reason that it is advised to apply for a domestic worker protector to cover the related medical expenses when they arise.
These legal obligations aside, however, buying the right coverage for the domestic helpers who help take care of your family is the right thing to do.
We have age limit for application for insured helpers:
(a) Aged between 18 and 60 on inception of the policy
(b) Aged 61 to 64 are subject to underwriting approval and loading
This policy does not cover any domestic helpers who are aged above 64 except in the case subsequent insurance renewals where the insurance policy was first purchased before the domestic helper reached this age.
AIG domestic helper insurance is suitable for both foreign domestic helpers, full/ part-time local maid, including doulas (Post-natal care helpers) or drivers.
No. You can simply change your insured helper under your existing policy. No new application is required. Instead, you can simply write to us, giving details of the new helper who is to be insured under the policy, cs.hk@aig.com. Your new helper will then be named in the Policy Schedule to your policy. During the remaining period of insurance under the policy, the same benefits shall be payable in respect of the new insured helper as named in the Schedule, less any amount already paid under the policy for your previous helper, up to the Sum Insured.
This Policy covers the helper’s injury cost when he/she works in Hong Kong or accompanies the policyholder on overseas trips as part of their contract of employment with the Policyholder.
The Extra care, Super care and Ultra care plan protect the domestic worker against accidental injury and death during his/her rest days in Hong Kong for accidental death & dismemberment or emergency medical expenses.
Yes, there is a 14-day waiting period in the case of Illness, and 90-day in relation to Section 15 “Extension of Section 3 and 5 due to Major Cancer and Heart Disease (Optional Add-On)” specifically.
The policy may be cancelled at any time at the request of the Insured in writing to AIG Insurance Hong Kong Limited. Provided no claim has arisen during the policy year, the policyholder shall be entitled to a partial refund of the total premium paid during the current insurance period as per the Short-Term Premium Refund Table stated on the policy provisions, subject to the retaining minimum amount of HK$300 from the premium paid.
Each Domestic Worker Protector policy covers one insured helper only.
Yes, we may issue an endorsement to cover this one month for two helpers, subject to additional premium.
We can only update the policy information upon receiving the notice from the policy owner about the new domestic helper. We cannot back date the policy or coverage.
