Helper Insurance

CMB Wing Lung "Helper Insurance" provides three different insurance plans to cater your needs.

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  • No excess on all benefits.
  • Local domestic helper and Part-time domestic helper also can be insured.
  • Employer’s Liability are covered up to HK$100,000,000
  • Personal Accident Benefits are covered up to HK$200,000
  • Temporary Helper Allowance due to engagement of service of a temporary helper from the 4th day of the Insured Helper's continuous confinement in a hospital.
  • Dental Expenses is covered.
  • Plan A - Section 1 only : Employees’ Compensation
  • Plan B - Section 1 - 9
  • Plan C - Section 1 to 10

Summary of Coverage (All benefits limits and premium are in HK dollars)

Section / Description of Coverage Maximum Benefit Limit(HK$)
1. Employees’ Compensation  
  Protection against the Insured's legal liability under the Employees' Compensation Ordinance and Common Law. $100,000,000 per event
2. Clinical Expenses  
  Reimbursement of clinical expenses incurred due to sickness or bodily injury sustained by the Insured Helper for treatment received from a Registered Medical Practitioner up to: $300 per visit per day
  Registered Physiotherapist treatment expenses followed by the first medical treatment was received from a Registered Medical Practitioner, and / or Registered Chinese Medicine Practitioner treatment expenses up to: $100 per visit per day / $500 per year
  Total maximum amount payable per year under this Section: $3,000 per year
3. Hospitalization and Surgical Expenses  
  Reimbursement of hospitalization and / or surgical expenses incurred due to sickness or bodily injury sustained by the Insured Helper up to:  
  Room, board &other miscellaneous hospital charges $300 per day
  Surgery $10,000 per surgical operation and / or disability
  Anaesthesia and its administration 25% of amount payable for the surgery but not exceeding $2,500 per disability
  Use of operating theatre 12.5% of amount payable for the surgery but not exceeding $1,250 per disability
  Total maximum amount payable per year under this Section: $20,000 per year
4. Temporary Helper Allowance  
  Reimbursement of expenses incurred due to engagement of service of a temporary helper from the 4th day of the Insured Helper’s continuous confinement in a hospital. $200 per day / $6,000 per year
5. Dental Expenses  
  Reimbursement of two-thirds of the dental expenses incurred due to dental disease sustained by the Insured Helper for treatment received from a Registered Dentist up to: $1,500 per year
6. Personal Accident Benefits  
  Lump sum compensation in the event of accidental death or permanent disablement resulting from bodily injury sustained by the Insured Helper in Hong Kong during his / her rest days not arising out of employment.  
  Accidental death or permanent total disablement $200,000
  Loss of two or more limbs $200,000
  Loss of sight of both eyes $200,000
  Loss of one limb and sight of one eye $200,000
  Loss of one limb or sight of one eye $100,000
  Total maximum amount payable under this Section: $200,000 per year
7. Repatriation Expenses  
  Reimbursement of expenses incurred in repatriating:
(a) the Insured Helper in the event of serious sickness or serious bodily injury;
(b) the mortal remains in the case of death back to his / her country of residence
$20,000 per year
8. Replacement Helper Expenses  
  Reimbursement of expenses incurred for employing a new helper in the event the Insured Helper is repatriated to his / her country of residence due to serious sickness or serious bodily injury or death. (A valid claim must be payable under Section 7 – Repatriation Expenses) $3,000 per year
9. Fidelity Protection  
  Reimbursement of financial loss directly resulting from fraud or dishonest act committed by the Insured Helper. $5,000 per year
10. Additional Major Illness Medical Coverage (Optional)  
  (a) Clinical Expenses $300 per visit per day
  Reimbursement of clinical expenses incurred due to cancer, heart disease and / or stroke suffered by the Insured Helper for treatment received from a Registered Medical Practitioner up to: $3,000 per year
  (b) Hospitalization and Surgical Expenses  
  Reimbursement of hospitalization and / or surgical expenses incurred due to cancer, heart disease and / or stroke suffered by the Insured Helper up to:  
  Room and board $300 per day
  Miscellaneous hospital charges $15,000 per disability
  Surgery $30,000 per surgical operation and / or disability
  Anaesthesia and its administration 35% of amount payable for the surgery but not exceeding $7,000 per disability
  Use of operating theatre 25% of amount payable for the surgery but not exceeding $5,000 per disability
  Total maximum amount payable under Section 10: $120,000 per year
Premium Table Insurance Period - 1 year Insurance Period - 2 year
Plan A - Section 1 only HK$400 HK$720
Plan B - Section 1 - 9 (Applicable to foreign domestic helper only) HK$800 HK$1,440
Plan C - Section 1 - 10 (Applicable to foreign domestic helper only) HK$1,100 HK$1,940
Waiting Period

A 15-day waiting period from the effective date of the Insured Helper’s insurance shall be applicable to Sections 2, 3, 4, 5 and 10 of the Schedule of Benefits. No benefits shall be payable under these Sections during the waiting period.

Major Exclusions
  1. Declared or undeclared war, invasion or civil war;

  2. Any act of terrorism (Not applicable to Section 1 – Employees’ Compensation);

  3. Intentional self-inflicted injury or suicide or any attempt whether sane or insane;

  4. Childbirth, pregnancy, miscarriage, abortion and / or associated complications;

  5. Intoxication by alcohol, narcotics or drugs not prescribed by a Registered Medical Practitioner and treatment in connection with addiction to drugs or alcohol;

  6. Acquired Immune Deficiency Syndrome (“AIDS”) or AIDS related complex (“ARC”);

  7. Any injury, sickness, accident or event which occurred outside Hong Kong and / or any expenses incurred and / or treatment received outside Hong Kong;

  8. Any pre-existing sickness, illness, injury or medical condition;

  9. Nervous or mental disease or disorder, venereal disease, congenital anomalies and deformities, infertility or sterilization;

  10. Vaccinations, immunization or preventive medication;

  11. Rest cure or general physical check-up;

  12. Routine dental examination, scaling, polishing or cleaning, bridges, crowns, braces or dentures, dental prosthetics (including precious alloy restorations);

  13. Winter sports, underwater activities requiring breathing apparatus, climbing or mountaineering requiring rope or guide, motor cycling (or traveling on motorcycle), racing of any kind, etc.;

  14. Any Insured Helper who is not aged between 18 and 60 on the effective date or is aged above 65 on subsequent insurance renewal.

Please refer to the Policy for detailed exclusions.

Remarks: The information above provides a brief introduction only. Please refer to the insurance policy for Terms and Conditions and other specific details. In the event of any discrepancy or inconsistency between the English version and the Chinese version of this Terms and Conditions, the English version shall prevail.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly CMB Wing Lung Insurance and the customer.

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