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All-round Protection for the Family
While your domestic helper is taking care of your home and family members, what protection should be prepared for you and your helper? MaidSure Domestic Helper Insurance Plan ("MaidSure") provides all-round cover for you and your helper. Cover is also extended to your family members to give you a happy family with peace of mind.
 
Peace of Mind for Employer
MaidSure provides you as an employer with:
• Worldwide cover for employer's statutory liability to your domestic helper
• Service interruption cover if your domestic helper is hospitalised
• Repatriation expenses cover for death/medical reasons of your domestic helper and its replacement expenses
• Employer's legal liability to third party's bodily injury or property damage due to the negligence of your domestic helper
 
Extended Cover for Family Members
MaidSure extends protection to your family members residing with you including:
• Medical expenses incurred for the injured family members due to domestic helper's malicious act
• Financial loss resulting from fraud or dishonest acts of your domestic helper
• Replacement lock cover if your domestic helper is repatriated due to death/medical reasons or for the fraud or dishonest acts of your domestic helper
 
Extra Benefits for Domestic Helper
MaidSure also provides your domestic helper with:
• Hospitalisation and dental expenses cover
• Free medical cover for heart disease and cancer
• Personal accident cover during the rest days in Hong Kong
 
Cover Available for Local Domestic Helper
In addition to the standard and comprehensive plan tailored to overseas domestic helper for providing statutory and all-round protections respectively, MaidSure also offers the local domestic helper plan providing the required statutory liability cover for the employers
 
Important Notes:
Eligibility of Insured Person: for overseas domestic helper and local domestic helper who are aged 18-65 and carry out general household work only. For those performing other duties such as a chauffeur or gardener, etc., please contact Dah Sing Insurance for information.
 
Waiting Period (applicable to overseas domestic helper only): for the benefits of Clinical Expenses, Hospitalisation, Dental Expenses and Service Interruption, the cover will be effective 90 days from the inception date of the policy if due to cancer or heart disease. For other causes, such cover will be effective 14 days from the inception date of the policy.
 
Benefits Table
Overseas Domestic Helper Plan
COVERAGE
MAXIMUM BENEFITS (HK$)
STANDARD
PLAN
COMPREHENSIVE
PLAN

1.

Employees' Compensation Cover
The legal liability of an employer for the bodily injury of the domestic helper under the Employees' Compensation Ordinance and the Common Law
100,000,000/event
100,000,000/event

2.

Clinical Expenses Cover
Out-patient medical expenses of the domestic helper due to sickness or accidental injury:
- Medical Practitioner
 
 
- Bonesetter or Physiotherapist
2,000/year
 
 
100/visit
1visit/day
 
100/visit
500/year
4,500/year
 
 
150/visit
1visit/day
 
100/visit
500/year

3.

Surgical and Hospitalisation Expenses Cover
Surgical and hospitalisation medical expenses of the domestic helper in Hong Kong due to sickness or accidental injury:
- Room and board
- Surgery
- Anesthetist
- Operating theatre
30,000/year
 
 
 
300/day
10,000/surgery
2,500/surgery
1,250/surgery
30,000/year
 
 
 
300/day
10,000/surgery
2,500/surgery
1,250/surgery

4.

Dental Expenses Cover
Dental expenses of domestic helper in Hong Kong due to sickness or accidental injury, such as oral surgery, treatment of abscesses, X-rays, extractions or fillings
1,500/year
2/3 of dental expense/visit
1,500/year
2/3 of dental expense/visit

5.

Repatriation Expenses Cover

Repatriation of domestic helper or the mortal remains to the home country due to death, serious sickness or bodily injury
20,000
20,000

6.

Service Interruption Cover
Allowance for the service interruption to the employer if the domestic helper is hospitalised in Hong Kong
N/A
6,000/year
200/day

7.

Fidelity Guarantee Cover
Financial loss of employer resulting from the act of fraud or dishonesty committed by the domestic helper in Hong Kong
- Including compensation for unauthorised long distance calls
N/A
10,000/year
 
 
3,000/year

8.

Replacement Domestic Helper Expenses Cover
Administration expenses for employing a replacement if the domestic helper is repatriated
N/A
 
 
5,000/year
 
 

9.

Replacement Lock Cover
Replacement lock expenses provided a claim of Repatriation Expenses Cover or Fidelity Guarantee Cover is valid
N/A
 
 
500/year
 
 

10.

Medical Expenses Cover for Abuse of Family Members
Medical expenses for bodily injury of the employer's family members caused by the domestic helper's malicious act in Hong Kong
N/A
 
5,000/year
 

11.

Personal Liability Cover^
Employer's legal liability to third party's bodily injury or property damage due to the negligence of domestic helper in Hong Kong
N/A
 
 
100,000/year
 
 

12.

Personal Accident Cover

Accidental bodily injury of the domestic helper resulting in death or permanent disablement during rest days in Hong Kong
N/A
 
100,000/year
 
^The first HK$500 of each and every claim of property damage is not covered.
 
Local Domestic Helper Plan
COVERAGE
MAXIMUM BENEFITS (HK$)

Employees' Compensation Cover
The legal liability of an employer for the bodily injury of the domestic helper under the Employees' Compensation Ordinance and the Common Law
100,000,000/Event
 
Premium Table
PLAN TYPE
PERIOD OF INSURANCE
PREMIUM PER DOMESTIC HELPER* (HK$)
STANDARD
PLAN
COMPREHENSIVE
PLAN
Overseas Domestic Helper
1 Year
2 Years
450
800
680
1,088
Local Domestic Helper
1 Year
300
*Employees' Compensation Insurance levy is included in premium. The non-refundable minimum premium payable is HK$300.
 
Major Exclusions:
Accidents caused by war, pre-existing conditions within 3 months before the policy inception, pregnancy and related complications, HIV/AIDS and venereal disease, suicide and any claims incurred outside Hong Kong (except Employee's Compensation Cover).
 
Notes:
• This leaflet is only summary and does not constitute any part of the contract. For full terms and conditions and exclusions, please refer to the policy document.
• Dah Sing Insurance Company Limited is the insurance underwriter of the MaidSure Domestic Helper Insurance Plan, who is solely responsible for all coverage and compensation, and reserves the right of final approval.
• This insurance plan is available only to people residing in the Hong Kong SAR.