HomeHelperPlus Insurance Plan

Comprehensive coverage, extra peace of mind

HomeHelperPlus Insurance Plan provides well-round cover for you and your domestic helper. Care is extended to your children to give you extra peace of mind.

Put your mind at rest

From one of the most fundamental Covers of protecting you against legal liabilities as an employer, HomeHelperPlus Insurance Plan also provides you with wide-ranging cover including cost of repatriating your domestic helper due to medical reasons, administrative expenses for employing replacement domestic helper and subsidy for service interruption when your domestic helper is hospitalized.

Extra protection for you and your children

With HomeHelperPlus Insurance Plan, you are protected against financial loss due to fraud or dishonesty on the part of your domestic helper. If unfortunately your family member under the age of 5 years suffers from bodily injury caused by the intentional malicious act of your domestic helper, this Plan covers medical expenses for the injured child.

Total care for your domestic helper

Your domestic helper is protected against medical and dental expenses. This Plan also provides personal accident protection, even when the helper is off duty. Cover is valid for domestic helpers aged 18 to 60 years, all the while they are in Hong Kong and is renewable up to the age of 65.

Optional Benefit Upgrade on Medical Expenses – Heart Disease and Cancer Cover

With additional premium of below HKD0.5 per day, your domestic helper is protected against medical expenses incurred due to heart disease or cancer.

Enhanced features

Domestic helper leave without notice
Surgical expenses coverage extend to include day care and clinic visits
Outpatient per visit per day up to HKD200

Benefits Table

Section

Coverage

Maximum benefits (HKD)

For you

Employer's Liability

Your liability under the Employees’ Compensation Ordinance for bodily injury to your domestic helper

100,000,000/ event

Fidelity Protection

Financial loss resulting from fraud or dishonest acts committed by your domestic helper
Sub-limit:

Compensation for unauthorized telephone calls

10,000/ year

(max. 3,000/ year)

Service Interruption Cover

Subsidy for employing temporary domestic helper if your domestic helper is hospitalized over 3 consecutive days

200/ day
(max. 30 days/ year)

Repatriation Costs

Repatriation due to medical reasons
Post-mortem treatment and transportation of mortal remains back to the country of residence

10,000/ year
10,000/ year

Replacement Domestic Helper Expenses

Administrative expenses reasonably and necessarily incurred for employing a replacement domestic helper in the event of your domestic helper is repatriated due to medical reason

3,000/ year

Domestic helper leave without notice and result in sudden termination of employment contract (subject to police report on missing person)

Medical Expenses for Family Member

Medical expenses for bodily injury to your family member who is living with you and under the age of 5 caused by your domestic helper’s intentional malicious act

5,000/ year

For your overseas domestic helper

Medical Expenses

1.	Out-patient expenses
	Sub-limits:
	(a) Out-patient treatment and medical expenses
	(b) Chinese medicine bone-setting expenses

4,000/ year

(max.200/ visit/ day)
(max.100/ visit/ day and 500/ year)

2.	Hospitalization
	Sub-limits:
	(a) Room and board charges
	(b) Surgical expenses (include surgery in clinic or day care centre)

25,000/ year

(max. 300/ day)
(max. 10,000/ surgical operation)

Dental Expenses

Two thirds of most dental expenses, such as oral surgery, treatment of abscesses, X-rays, extractions or fillings

1,500/ year

Personal Accident

Accidental bodily injury resulting in death or disablement during rest days

100,000

Optional Benefit

Heart Disease and Cancer Cover

Medical expenses incurred due to heart disease or cancer

Classic Plan – 50,000/ year
Deluxe Plan – 100,000/ year

Sub-limits:
• Out-patient expenses and hospitalization

Same as the sub-limits of 1(a), 1(b) & 2(a), 2(b)

• Other medical treatments

1,000/ treatment

Besides “HomeHelperPlus Insurance Plan”, you can also opt for “Employees’ Compensation Insurance Plan”, which fits employers with local part-time domestic helper

Particularly for those who employ local part-time domestic helper and need to meet with the legal responsibilities as an employer, the Employees’ Compensation Insurance Plan would be a suitable option. The annual premium just costs HKD350^{^}.

Premium Table

Plan type

Premium per domestic helper (HKD)

HomeHelperPlus Insurance Plan

720 (1 year)^{^}
1,368 (2 years)^{^}

Optional Benefit Upgrade	— Classic Plan
	— Deluxe Plan

150 (1 year) / 300 (2 years)
300 (1 year) / 600 (2 years)

Employees’ Compensation Insurance Plan

350 (1 year)^{^}

^{^}Premium including levy

For enquiries, please call Fubon Bank Enrollment Hotline 2806 5038 during office hours* for more details.

^*Office hours: Monday to Friday: 9am to 9pm (except public holidays).

Terms and Conditions

Notes:

For Employees’ Compensation Insurance Plan, only Employer’s Liability Benefit will be covered.

HomeHelperPlus Insurance Plan is only applicable to overseas domestic helper who perform household work for you.

The waiting period for Medical and Dental Expenses Benefits will be 15 days from the effective date of the policy.

The waiting period for Optional Benefit will be 90 days from the effective date of the policy.

Coverage on medical expenses for hospitalization does not cover the first HKD300 of each and every claim.

Service Interruption Cover does not cover the first 3 days of hospitalization.

Dental Expenses does not include the following treatment:
– oral examination
– scaling, polishing or cleaning
– crowning and root canal treatment
– orthodontic treatment of any kind
– denture and prosthetic services such as bridges and crowns and braces

Cancer coverage only covers the diagnosis of a malignant tumour characterized by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissue.

Major exclusions:

Accidents caused by war, pre-existing conditions, pregnancy and related complications, HIV/ AIDS and venereal diseases, suicide and claims incurred outside Hong Kong (except employees’ compensation cover).

Remarks:

The above information is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency.
Zurich Insurance Company Ltd (“Zurich”) is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. Zurich is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters.
Zurich is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”).
Fubon Bank is the licensed insurance agency appointed by Zurich , and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for approval, coverage and compensation under the Plan.
In case you file a written complaint regarding the selling process or processing of the related transaction to Fubon Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, Fubon Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after Fubon Bank has issued the final written reply. If the complaint / dispute is related to the policy terms and conditions, it should be resolved directly between Zurich and you. Nevertheless, where practicable and appropriate, Fubon Bank will provide reasonable assistance to customers in the dispute resolution process.
Levy collected by the Insurance Authority (if any) has been imposed on this policy at the applicable rate and would be remitted in accordance with the prescribed arrangements. For further information, please visit Zurich's company website: http://www.zurich.com.hk/ia-levy.
Zurich is a company incorporated in Switzerland with limited liability and its principal place of business in Hong Kong is at 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong.
The English version shall prevail in case of inconsistency between the English and Chinese versions.