Give a Helping Hand to Your Domestic Helper

In Hong Kong, domestic helpers have made a huge difference to how we live our lives. In a society like ours, where most of us are expected to work long hours in the office, the presence of these hard-working women – and sometimes men – have enabled many Hong Kong families to pursue careers and achieve prosperity.

In many Hong Kong families, both parents will often pursue careers. The reasons are obvious to all who live here: the city’s high cost of living and steep property prices ensure that all but the lucky few are required to work in order to provide financial stability for their loved ones and the future generation.

But often this simply wouldn’t be possible without the support of domestic foreign workers. These people, often from less prosperous countries in Southeast Asia and further afield, are the true unsung heroes of Hong Kong – taking children to school, cooking, cleaning, ironing, and generally ensuring that life runs as smooth as possible while parents can focus on their careers.

It goes without saying that, for lots of people in Hong Kong, life would be very different without the support of their domestic helpers.

Many families in Hong Kong experienced difficulty or hardship as a result of the Omicron variant of COVID-19. And in these challenging times, there are fewer domestic helpers available for employment in the city, simply due to necessary immigration restrictions brought on by the ongoing pandemic.

And while most families treat their domestic helper as one of their own, it’s important to show your care in another way: by ensuring that your helper has adequate medical protection. By choosing the right insurance plan, you’ll also be protecting your own financial interests and could avoid costly medical bills in the future.

One solution is MSIG’s HelperSurance 4.0 Insurance plan, which offers a range of basic coverage, such as employees’ compensation cover, dental, clinical and personal accident coverage.

Domestic helpers, like any of us, are prone to accidents or illnesses during the course of their employment at home or while outside. As a hypothetical example, imagine your helper has been ill for some time. You take her to the doctor who diagnoses her as suffering from a suspected broken ankle due to an accident while at work. She needs to admit to the hospital for a few days for x-rays and subsequent treatment.

With HelperSurance 4.0 Insurance, you, as the employer, will receive hospitalisation cover to offset the cost of these hospitalisation expenses. You are covered for up to HK$30,000, ensuring your helper gets the right treatment for her injury without creating a financial burden for you. Furthermore, the plan will also provide service interruption cover so you can cover the cost of hiring temporary helper while your helper is confined in hospital.

Another feature of the plan is that it protects you financially if your helper decides to leave her employment. Under the plan, you will be granted an automatic extension of cover for the period between her leaving date and the arrival of your new helper, meaning you won’t be out of pocket during the transition period.

So give you and your helper the medical and financial protection you both deserve.

If you have any queries regarding Helper Insurance plan, please feel free to contact us or find out more about our insurance plans:

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