HelperSurance 4.0 (Macau)

Protect your helper, protect yourself

HelperSurance 4.0 (Macau)

Plan Highlights

Clinical Expenses Cover Icon
Clinical Expenses Cover 

Including Chinese medical practitioner and physiotherapist

Surgical and Hospitalisation Expenses Cover Icon
Surgical and Hospitalisation Expenses Cover 

With an aggregate limit of MOP$30,000 per year

Service Interruption Cover Icon
Service Interruption Cover 

Up to MOP$6,000 per year

Employees' Compensation Icon
Employees' Compensation Cover

Your liability as an employer under the law

Repatriation Expenses Cover Icon
Repatriation Expenses Cover 

Up to MOP$20,000 per year

Replacement Helper Expenses Cover Icon
Replacement Helper Expenses Cover

Up to MOP$10,000 per year

Plan details


Benefits at a Glance Maximum Benefits Payable Per Year (MOP)

Employees’ Compensation Cover 

Your liability as an employer under the law

As per Macau Employees' Compensation Ordinance (Decree Law No. 40/95/M)

Clinical Expenses 

Medical 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 Expenses 

Hospital confinement for surgery or treatment of sickness or bodily injury resulting from an accident:

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 Interruption

Loss 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 Expenses

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

Personal Accident Benefit

Accidents occurring during domestic helper's rest days resulting in death, loss of limbs or sight

$100,000 per year

Repatriation Expenses 

Repatriation 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 Expenses

Extra 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 Guarantee

Pecuniary loss caused by fraud or dishonesty committed by your domestic servant

  • Including unauthorised telephone calls
$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 Lock

Replacement 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 Family

Medical expenses for the bodily injury of Child/Elderly caused by helper’s malicious acts

  • Including Trauma Counselling Expenses
$10,000 per year
Inclusive of max $1,000 per visit per day for Trauma Counselling Expenses

Automatic Extension of Cover

Cover 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 Cover

Optional 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.


Plan type Premium (MOP) *Waiting period

HelperSurance 4.0


14 days
Optional Cover 1


90 days
Optional Cover 2


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.


  • 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