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A caring employer
Accidents may happen to your Domestic
Helper any time. As a caring and responsible
employer, you need to have a comprehensive
insurance for your helper to comply with
the legal requirements.
Generali's Domestic Helper Insurance
not only provides full coverage on employer's
liabilities as required by the laws, it
also offers personal accident insurance
for your Domestic Helper at no additional
cost to you.
Domestic Helper Insurance
| Section |
Cover |
|
| 1. |
Employees' Compensation |
|
Liability under
the Employees' Compensation Ordinance
for bodily injury to the Domestic
Helper arising out of and in the
course of employment
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| |
Maximum Limit of Indemnity as
required by the Ordinance HK$100,000,000
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| |
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Item
1 - Death; or
Item 2 - Permanent Disability
sustained by the Domestic Helper
resulting directly from accidental
bodily injury and occurring within
12 months of the accident provided
that the accident occurs in Hong
Kong during rest days of the Domestic
Helper
Maximum
Limit of Indemnity HK$100,000
|
| Extensions: |
a)
|
Accidental
Dental Expenses
incurred in Hong Kong by the
Domestic Helper as a direct
result of accidental bodily
injury provided that the accident
occurs in Hong Kong during
rest days of the Domestic
Helper |
|
| |
Maximum
Limit of Indemnity HK$2,500 |
| |
|
| 3. |
Hospitalisation Expenses |
|
Reasonable
and necessary expense actually incurred
in Hong Kong by the Domestic Helper
while as a registered in-patient being
confined within hospital for treatment
or surgery up to
i)
|
HK$12,500
per event for surgery and |
| ii) |
HK$250 per
day for miscellaneous hospitalisation
expenses |
Maximum Limit of Indemnity HK$25,000
Extensions:
a)
|
Repatriation
Expenses
for returning the remains of
or repatriating the Domestic
Helper back to the country of
origin due to death, injury
or medical inability to continue
employment |
| |
Maximum
Limit of Indemnity HK$25,000 |
| b) |
Replacement
Helper Expenses
for employing a new domestic
helper if a valid claim is payable
under the extension (a) Repatriation
Expenses of this Section |
| |
Maximum
Limit of Indemnity HK$5,000 |
| c) |
Temporary
Domestic Helper Expenses
up to HK$250 per day commencing
from the 4th day of the period
that the Domestic Helper being
confined within hospital provided
that the period of hospitalisation
is longer than 3 consecutive
days and a valid claim is payable
under this Section |
| |
Maximum
Limit of Indemnity HK$5,000 |
|
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Major Exclusions to Note
war, terrorism, radioactive contamination,
accident or illness sustained outside
Hong Kong, unlawful acts, suicide or self-injury,
influence of alcohol or drugs, HIV or
AIDS, childbirth or pregnancy, pre-existing
injury or illness
Age
Limit :
|
18 - 60 (applicable
to Sections 2 and 3 only) |
| Waiting
Period : |
15-day waiting
period from the inception date of
this insurance will be applicable
to Section 3 only. No cover for
disease, illness or sickness will
be provided under Section 3 during
the waiting period. |
| Annual
Premium : |
HK$556.5 (subject
to Minimum Premium: HK$300 plus
levy in respect of mid-term cancellation
of Policy). |
The above serves as a general guideline
only.
For details of cover, please refer
to the exclusions, terms and conditions
of our Policy. (Insurance Policy is written
in English.)
Download
Policy Copy (pdf)
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