HelperSurance 4.0

HelperSurance 4.0

Protect your helper, protect yourself

Key Features

  • Covers clinical expenses including Chinese medical practitioner and physiotherapist
  • Covers surgical and hospitalisation expenses
  • Covers service interruption

Plan highlights:

  • Employees' compensation 
  • Repatriation expenses
  • Replacement helper expenses
  • Fidelity guarantee 
  • Medical protection for abuse of your family (Child/Elderly)
  • New optional cover to cancer and heart disease
  • Available convenient 2-year policy with premium discount
  • No excess

Plan details


Benefits at a Glance  Maximum Benefits Payable Per Year (HK$)

Employees’ Compensation Cover

Your liability as an employer under the Employees’ Compensation Ordinance

$100 million per event

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

  • Includes 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 and 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

Optional Cover 2ˆ

Extended to cover cancer and heart disease under Surgical & Hospitalisation Expenses, Clinical Expenses and Service Interruption, PLUS an extra indemnity of HK$70,000 for Surgical & Hospitalisation Expenses
ˆ Only applicable for domestic helpers aged below 45 at the time of enrolment
Important Notes:

Collection of Levy on Insurance Premium: 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 webpage are subject to levy. For further information, please visit

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 (HK$) Waiting period*

HelperSurance 4.0

1 year: $750 (include EC levy)

2 years: $1,350 (include EC levy)

14 days
Optional Cover 1

1 year: $120

2 years: $200

90 days
Optional Cover 2

1 year: $250

2 years: $450

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