HelperSurance 4.0 (Macau)
Protect your helper, protect yourself
Plan Highlights
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Clinical Expenses CoverIncluding Chinese medical practitioner and physiotherapist |
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Surgical and Hospitalisation Expenses CoverWith an aggregate limit of MOP$30,000 per year |
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Service Interruption CoverUp to MOP$6,000 per year |
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Employees' Compensation CoverYour liability as an employer under the law |
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Repatriation Expenses CoverUp to MOP$20,000 per year |
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Replacement Helper Expenses CoverUp to MOP$10,000 per year |
Plan details
Benefits
| Benefits at a Glance | Maximum Benefits Payable Per Year (MOP) |
|---|---|
Employees’ Compensation CoverYour liability as an employer under the law |
As per Macau Employees' Compensation Ordinance (Decree Law No. 40/95/M) |
Clinical ExpensesMedical treatment from a clinic for sickness or bodily injury resulting from an accident |
$200 per visit per day |
| Chinese medical practitioner and physiotherapist | $100 per visit per day up to $500 per year |
| Aggregate limit | $4,000 per year |
Surgical and Hospitalisation ExpensesHospital confinement for surgery or treatment of sickness or bodily injury resulting from an accident: |
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| Room & board charges | $300 per day |
| Surgeon's fees | $10,000 per operation |
| Anaesthetist fees | 25% of surgeon's fees |
| Operating theatre charges (Includes Day Care Surgery) |
12.5% of surgeon's fees |
| Aggregate limit | $30,000 per year |
Service InterruptionLoss of service resulting from the confinement of domestic servant in a hospital for at least one day for surgery or treatment of bodily injury or sickness |
$6,000 per year ($300 per day) |
Dental ExpensesDental 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 |
Personal Accident BenefitAccidents occurring during domestic helper's rest days resulting in death, loss of limbs or sight |
$100,000 per year |
Repatriation ExpensesRepatriation of your domestic helper who is certified as medically unfit to complete the contract, or in the event of death, the repatriation of his/her mortal remains to the country of residence |
$20,000 per year |
Replacement Helper ExpensesExtra expenses reasonably and necessarily incurred for getting a new helper in the event your domestic helper is repatriated due to serious injury, illness or death |
$10,000 per year |
Fidelity GuaranteePecuniary loss caused by fraud or dishonesty committed by your domestic servant
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$10,000 per year Inclusive of max $3,000 per year for unauthorised telephone calls |
Replacement and Installation Cost of Main Door or Metal Gate LockReplacement and installation cost of main door lock or metal gate lock following the termination of employment contract with the domestic helper due to discovery of any act of infidelity or repatriation of the domestic helper (Replacement & installation must be undertaken within 7 days after the termination of employment contract with the domestic helper) |
$500 per year |
Medical Protection for Abuse of Your FamilyMedical expenses for the bodily injury of Child/Elderly caused by helper’s malicious acts
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$10,000 per year Inclusive of max $1,000 per visit per day for Trauma Counselling Expenses |
Automatic Extension of CoverCover will be automatically extended free of charge for the period between the termination of one domestic helper and the arrival of a new one |
Max once a year Max period of extension: 3 months per year |
Optional CoverOptional Cover 1 |
Extended to cover heart disease and cancer under Surgical & Hospitalisation Expenses, Clinical Expenses and Service Interruption |
| ˆOptional Cover 2 | Extended to cover cancer and heart disease under Surgical & Hospitalisation Expenses, Clinical Expenses and Service Interruption, PLUS an extra indemnity of MOP70,000 for Surgical & Hospitalisation Expenses |
| ˆ Only applicable for domestic helpers aged below 45 at the time of enrolment | |
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
| Plan type | Premium (MOP) | *Waiting period |
|---|---|---|
|
HelperSurance 4.0 |
$1,000 |
14 days |
| Optional Cover 1 |
$120 |
90 days |
| Optional Cover 2 |
$250 |
90 days |
Important Notes:
*Waiting Period from the effective date of the insurance shall be applicable under Clinical Expenses, Surgical & Hospitalisation Expenses, Service Interruption and Dental Expenses for each domestic helper during which no benefits shall be payable.
Exclusions
- Helper who is below 16 years old or above 65 years old
- 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
- Vaccinations, immunisation, injections or preventive medication
- Routine examination, scaling, polishing or cleaning and crowning
- Repatriation or transportation of mortal remains originating outside Hong Kong