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 4^th 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
	Treatment expense from a Registered Physiotherapist (after the first medical treatment was received from a Registered Medical Practitioner) or treatment expense from a Registered Chinese Medicine Practitioner (including bone-setting and acupuncture) 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 4^th 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

Major Exclusions

Declared or undeclared war, invasion or civil war;
Any act of terrorism (Not applicable to Section 1 – Employees’ Compensation);
Intentional self-inflicted injury or suicide or any attempt whether sane or insane;
Childbirth, pregnancy, miscarriage, abortion and / or associated complications;
Intoxication by alcohol, narcotics or drugs not prescribed by a Registered Medical Practitioner and treatment in connection with addiction to drugs or alcohol;
Acquired Immune Deficiency Syndrome (“AIDS”) or AIDS related complex (“ARC”);
Any injury, sickness, accident or event which occurred outside Hong Kong and / or any expenses incurred and / or treatment received outside Hong Kong;
Any pre-existing sickness, illness, injury or medical condition;
Nervous or mental disease or disorder, venereal disease, congenital anomalies and deformities, infertility or sterilization;
Vaccinations, immunization or preventive medication;
Rest cure or general physical check-up;
Routine dental examination, scaling, polishing or cleaning, bridges, crowns, braces or dentures, dental prosthetics (including precious alloy restorations);
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.;
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.

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.
Age limit for domestic helper in Plan A, B and C is restricted from 18 to 60.
Only foreign domestic helper can be insured under Plan B and C.
The minimum and non-refundable premium of each policy is HKD400. If major illness medical coverage is included, the minimum and non-refundable premium of each policy is HKD700.
This policy cannot be assignable.
This leaflet is simply a general summary for your reference and information only. For details, please refer to the insurance policy.
Useful Links
FAQs of Foreign Domestic Helpers(Immigration Department)
FAQs of Foreign Domestic Helpers(Labor Department)
Note for employment of foreign domestic helpers (FDHs) in Hong Kong
Employees Retraining Board

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.