As responsible employers, we must well protect our domestic servants. HelperSurance 4.0 is a comprehensive insurance package that covers medical expenses if your domestic servant becomes unwell. It also provides you with an extra level of support, if your domestic servant is seriously sick or bodily injured.

HelperSurance 4.0 Promotional Offer HelperSurance 4.0 Promotional Offer From 1 January 2025 to 31 December 2025, enjoy 30% first-year premium discount upon successfully enrolling in HelperSurance 4.0 via dedicated MSIG webpage. The promotion is subject to relevant terms and conditions. Click Here to enroll in HelperSurance 4.0 General Terms and Conditions: The promotional period is from 1 January 2025 to 31 December 2025 (both dates inclusive, ("Promotional Period") ("Promotional Offer"). Within the Promotional Period, successful applicant of HelperSurance 4.0 of MSIG Insurance (Hong Kong) Limited ("MSIG") whose relevant application is made on MSIG's insurance application website accessed through the website of Fubon Bank (Hong Kong) Limited ("Fubon Bank") is entitled to the 30% premium discount offer ("Eligible Customer"). The premium discount for HelperSurance 4.0 is only applicable to the first-year premium of the policy. These terms and conditions are related to the Promotional Offer only. No reference has been made to any MSIG insurance policy ("Policy") or any coverage or content. Customers are advised to read and understand the Policy before applying for the relevant insurance. No person other than the customer who enjoys any offer and Fubon Bank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions. Fubon Bank and MSIG reserve the right to vary or terminate the Promotional Offer at any time and to amend the terms and conditions from time to time without prior notice. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and any details of the Promotional Offer, the English version shall prevail.

Employees' Compensation Cover

Employees' Compensation CoverHave peace of mind knowing that your domestic servant is fully covered when it comes to bodily injury and sickness, as per your responsibility as an employer under the Government’s Employees’ Compensation Ordinance.

Repatriation Expenses

Repatriation ExpensesIf your domestic servant is medically unfit to employ and needs to return to the country of residence, or if the worst should happen and she passes away, we will contribute up to HK$20,000 towards the cost of repatriation.

Replacement Helper Expenses

Replacement Helper ExpensesIf your domestic servant has been repatriated due to serious sickness, bodily injury or death, we will pay up to HK$10,000 to help ease your financial burden while you find a replacement.

Medical Protection against Abuse of Your Family

Medical Protection against Abuse of Your FamilyIf you and your family sustain bodily injury caused by intentional malicious act of the domestic servant, we will pay up to HK$10,000 per year for necessary medical treatment, including post-traumatic stress disorder treatment expenses.

Extra Premium Discount

Extra Premium DiscountSave money in the form of a premium discount when you enroll in a two-year policy.

Benefits Table

Benefits Table

Benefits	Maximum Benefits Payable (HK$)
1) Employees’ Compensation Cover Your liability as an employer under the Employees' Compensation Ordinance	100 million per event
2) Clinical Expenses
Actual expenses of your domestic servant incurred for medical treatment for bodily injury or sickness	200 per visit per day
Actual expenses of your domestic servant incurred for treatment by Chinese Medicine Practitioner or Physiotherapist	500 per year 100 per visit per day
Aggregate limit	4,000 per year
3) Surgical & Hospitalisation Expenses Hospital confinement for surgery or treatment of bodily injury or sickness (include Day Care Surgery) of your domestic servant :
Room & board and other miscellaneous hospital services charges	300 per day
Surgical Operation Fee	10,000 per operation
Anaesthetist Fee	25% of Surgical Operation Fee
Operating Theatre Charge	12.5% of Surgical Operation Fee
Aggregate Limit	30,000 per year
4) Service Interruption Cover Loss or interruption of service resulting from the confinement of your domestic servant in a hospital at least one day for surgery or treatment of bodily injury or sickness	6,000 per year 300 per day
5) Dental Expenses Domestic servant requires dental treatment, including oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease	Two-thirds of actual expenses up to 1,500 per year
6) Personal Accident Benefits Accidents occurring during domestic servant’s rest days resulting in death, loss of limbs or loss of sight	100,000 per year
7) Repatriation Expenses Repatriation of your domestic servant if certified by a Registered Medical Practitioner as medically unfit to complete the term of contract of employment, or in the event of death, the repatriation of his/her mortal remains to the country of residence	20,000 per year
8) Replacement Helper Expenses Actual expenses incurred to employ a new domestic employee in the event your domestic servant is repatriated due to serious sickness, bodily injury or death	10,000 per year
9) Fidelity Guarantee Cover Pecuniary loss directly resulting from the act of fraud or dishonesty committed by your domestic servant	10,000 per year
10) Replacement and installation cost of main door lock or metal gate lock	500 per year
11) Automatic extension of cover Maximum period of extension per year	once a year 3 months
12) Medical Protection for Abuse of Your Family Actual medical expenses incurred for the treatment of bodily injury of your Family caused by domestic servant’s intentional malicious acts Post-traumatic stress disorder treatment expenses	10,000 per year 1,000 per visit per day

Optional Benefits upgrade for Medical Expenses covering Heart Disease and Cancer

Optional Benefits upgrade for Medical Expenses covering Heart Disease and CancerFor as little as HK$0.3 per day extra, protection will be extended to cover against heart disease and cancer under Surgical & Hospitalisation Expenses, Clinical Expenses and Service Interruption Cover.

Optional Covers
Optional Cover 1	Extend to cover heart disease and cancer under Surgical & Hospitalisation Expenses, Clinical Expenses and Service Interruption Cover
Optional Cover 2^	In addition to cover heart disease and cancer under Surgical & Hospitalisation Expenses, Clinical Expenses and Service Interruption Cover, PLUS an extra indemnity of HK$70,000 for Surgical & Hospitalisation Expenses

Premium Table* & Waiting Period

Premium Table^* & Waiting Period

Plan Type	Premium (HK$)	Waiting Period
HelperSurance 4.0	1 year：750 2 years：1,350	14 day
Optional Cover 1*	1 year：120 2 years：200	90 day
Optional Cover 2^*	1 year：250 2 years：450

^{^}Only applicable for domestic servants aged below 45 at the time of enrolment
Waiting Period: Start from the effective date of the insurance shall be applicable under Section 2) Clinical Expenses, Section 3) Surgical & Hospitalisation Expenses, Section 4) Service Interruption Cover and Section 5) Dental Expenses and Optional Benefits for each domestic servant during which no benefits shall be payable.

 

Terms and Conditions

Major exclusions: Self-inflicted injury or suicide, nervous or mental disease or disorder, venereal disease, congenital anomalies and deformities, infertility, sterilisation, heart disease or cancer Rest-cure or physical check-up Cosmetic or plastic surgery unless to correct an injury for which the Policy covers Vaccinations, immunisation, injections or preventive medication Routine examination, scaling, polishing or cleaning and crowning Any Bodily Injury or sickness or dental treatment occurred outside the territorial limits of Hong Kong Repatriation or transportation of mortal remains originating outside Hong Kong War, invasion, rebellion Radioactive contamination The above is a summary of the Major Exclusions only. For details, please refer to policy provisions.

Important Note: The above insurance plans are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). MSIG reserves the right of final approval and amendment of the above products. In case of disputes, the decision of MSIG shall be final and binding. The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product and does not constitute any part of the insurance contract. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms and Conditions of the policy, the Terms and Conditions of the policy shall prevail. For exact Terms and Conditions and details of the coverage and exclusions, please refer to the relevant policy or contact MSIG. During the insured period, the Proposer/Policyholder must inform MSIG immediately in case of any changes of Insured details such as address, otherwise MSIG reserves the right to decline any claims the Proposer/Policyholder made. The Insurance Authority will collect a levy on insurance premiums (if any) from policyholders through MSIG Insurance (Hong Kong) Limited in accordance with the law. For further information about the levy imposed by the Insurance Authority, please refer to Insurance Authority Premium Levy introduction website www.ia.org.hk/levy or Fubon Bank Premium Levy introduction website. *Collection of Levy on Insurance Premium The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product factsheet are subject to levy.

Remarks: a. MSIG Insurance (Hong Kong) Limited ("MSIG") is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. MSIG Insurance (Hong Kong) Limited is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters. b. MSIG Insurance (Hong Kong) Limited is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”). c. Fubon Bank is the licensed insurance agency appointed by MSIG Insurance (Hong Kong) Limited, and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for any terms or obligations of the Plan. d. 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 MSIG Insurance (Hong Kong) Limited and you. Nevertheless, where practicable and appropriate, Fubon Bank will provide reasonable assistance to customers in the dispute resolution process. e. MSIG Insurance (Hong Kong) Limited is a wholly-owned subsidiary of MS&AD Insurance Group Holdings, Inc. and its principal place of business in Hong Kong is at 9/F Cityplaza One, 1111 King’s Road, Taikoo Shing, Hong Kong. f. The English version shall prevail in case of inconsistency between the English and Chinese versions.