- Boasts multiple new protections, including replacement expenses caused by a domestic helper's resignation within three months of the initial contract, or intentional/negligent injuries to the household children or elders, and service interruption cover if the domestic helper suffers from cancer or heart disease1
- Provides optional benefit such that employers may plan according to their needs
- Annual premium as low as HKD946, equivalent to less than HKD2.6 a day
- During promotion period, enjoy the Free COVID-19 Vaccine Cover as added protection for the employer, domestic helper, and household members2
SAR - Media OutReach - 25 August 2021 - Zurich Insurance (Hong Kong) ("Zurich Hong Kong")
announced today the launch of the new "Helpersafe" Domestic Helper Insurance
Plan, to meet the ever-changing protection needs of employers and domestic
helpers. In addition to the coverage of traditional domestic helper insurance
plans, Zurich Hong Kong has expanded the scope of support, to include
protections such as replacement expenses caused by specific events, plus the
outpatient expenses and hospitalization fees due to a domestic helper's
diagnosis of cancer or heart disease1. Under one plan, domestic
helpers will also enjoy both network and non-network outpatient medical
benefits, and up to HKD80,000 hospitalization benefit per policy year.
According to government statistics3,
there were close to 380,000 foreign domestic helpers in Hong Kong at the end of
2020. Hong Kong people are known for their long hours at work, so domestic
helpers are vital to a household's cleanliness and meals, and also caring for
the children and elderly. They are essential to running a home, and if a
domestic helper were to be in an accident or have fallen ill, it may be
financially and emotionally consuming for the employer. At the same time,
employers must be vigilant of the potential financial and liability risks from
hiring domestic helpers. Therefore, when selecting a domestic helper insurance
plan, employers must review every benefit detail to ensure the plan is the
right fit for both themselves and the hired help.
"Helpersafe" is a safety net when replacement is necessary
"Helpersafe" will pay the replacement expenses of
up to HKD5,000 per policy year if the replacement is necessary due to the
- The domestic helper resigns within
three months of the initial contract; or
- The domestic helper commits fraud
or dishonest acts; or
- The domestic helper goes missing
or leaves without prior notice; or
- The domestic helper intentionally
or negligently causes injury to the household children or elderly; or
- The domestic helper is repatriated
to his/her home country as he/she is medically unfit to carry on work4.
Flexible medical protection
The domestic helper can enjoy up to HKD80,000
hospitalization benefit per policy year. They can also enjoy both network and
non-network outpatient medical benefits. If the domestic helper visits the
selected network of general practitioners for consultation, neither co-payment
nor claims submission is needed. And virtual consultation service5
is available for domestic helpers to seek medical help without stepping foot
Optional benefit offers medical and hospitalization
protection against heart disease and cancer for extra peace of mind
Although conventional domestic helper insurance has
medical protection, serious illnesses such as heart disease and cancer are
often not included in the regular or optional coverage. "Helpersafe" has especially
included heart disease and cancer as an optional benefit, offering related
outpatient expenses and hospitalization protection – up to HKD100,000 per
policy year with the Deluxe Plan, and up to HKD50,000 per policy year with the
Daily premium as low as HKD2.6
"Helpersafe" annual premium can be as low as
HKD946, equivalent to less than HKD2.6 a day. And with as little as HKD150 a
year, or lower than HKD0.5 a day, the insured may add the optional benefit of
the heart disease and cancer cover.
Free COVID-19 Vaccine Cover2
During the promotion period from now until
September 30, 2021, those successfully enrolled in "Helpersafe" will enjoy
Zurich Hong Kong's Free COVID-19 Vaccine Cover. The policyholder plus a maximum
of six same household members will be covered, hence protecting the employer,
domestic helper, and household members at the same time.
1 Applicable only to the
Optional Benefit – Heart Disease and Cancer Cover.
2 Promotion period until
September 30, 2021. Terms and Conditions apply for the Free COVID-19 Vaccine
Cover, please refer to the designated page in Zurich Hong Kong's website for
3 Data from DATA.GOV.HK:
Statistics on the number of Foreign Domestic Helpers in Hong Kong https://data.gov.hk/en-data/dataset/hk-immd-set4-statistics-fdh.
4 A detailed medical report
certified by medical practitioner of the domestic helper as medically unfit to
continue the employment is required upon submission of claims.
5 Applicable to some network
general practitioners only. The medicine delivery fee charged by the medical
service provider will not be covered under this plan.
The product information in this document is for
reference only. For the terms and conditions and exclusions of this product,
please refer to the policy wording. The policy terms and conditions shall
prevail in case of discrepancy.
Download Zurich Helpersafe Domestic Helper Factsheet: https://www.zurich.com.hk/-/media/project/zwp/hongkong/docs/individuals/domestic-helper-insurance/helpersafedhplan_brochure_en.pdf