9 Truths about Being a Domestic Helper in Hong Kong - Hong Kong OFW

Hiring a domestic helper in Hong Kong? Whether it’s your first time or you’re a seasoned employer, understanding your insurance obligations is crucial. Here’s a straightforward guide to 2025’s requirements, coverage options, and practical tips.


1. What’s Legally Required?

Employees’ Compensation Insurance (EC Insurance)

  • Mandatory for All Employers: Under Hong Kong’s Employees’ Compensation Ordinance, you must purchase EC Insurance to cover workplace injuries or illnesses.
  • What It Covers: Medical expenses, disability benefits, or death compensation if your helper is injured or falls ill due to work.
  • 2025 Update: Fines for non-compliance have increased to HKD 100,000+ and potential imprisonment.

2. Beyond the Basics: Why Consider Extra Coverage?

While EC Insurance is the legal minimum, most employers opt for comprehensive Domestic Helper Insurance bundles to mitigate risks. Here’s why:

Coverage TypeWhat It IncludesWhy It Matters
Medical InsuranceHospital stays, surgeries, prescriptionsCovers costs beyond EC’s scope (e.g., chronic conditions).
Personal AccidentLump-sum payouts for accidental death or disabilitySupports your helper’s family in emergencies.
RepatriationFlights and expenses to send your helper home if neededAvoids hefty out-of-pocket costs for emergencies.
Replacement HelperCovers temporary helper costs during your maid’s recoveryMaintains household routines without disruption.
Critical IllnessPayouts for diagnoses like cancer or strokeProvides financial relief for long-term care.

2025 Trend: More insurers now include mental health support (e.g., counseling sessions) due to rising awareness of helper well-being.


3. Employer Responsibilities in 2025

  • Medical Costs: You’re legally required to cover all necessary medical treatments for work-related issues.
  • Sick Leave:
    • First Year: 2 paid sick days/month.
    • Year 2+: 4 paid sick days/month.
  • New in 2025: Digital health platforms (e.g., telehealth apps) are now accepted for non-emergency consultations, streamlining care.

4. Special Cases: Helpers Aged 64+

Employing older helpers? Note these 2025 specifics:

  • EC Insurance Still Required: Even if your helper is over 64.
  • Limited Bundles: Most insurers exclude add-ons (e.g., critical illness) for seniors.
  • Higher Premiums: Expect a 10-20% surcharge due to increased health risks.

5. How to Choose the Right Plan

  • Assess Needs: Does your helper drive, cook, or care for children? Tailor coverage to their duties.
  • Compare Bundles: Look for:
    • No sub-limits on hospitalization.
    • Coverage for pre-existing conditions (if disclosed).
    • 24/7 multilingual support.
  • Budget Tips:
    • Basic plans start at HKD 1,500/year.
    • Comprehensive bundles range from HKD 3,000–6,000/year.

6. 2025’s Digital Innovations

  • App-Based Management: Track claims, renewals, and doctor appointments via insurer apps.
  • Eco-Friendly Options: Some insurers now offer discounts for paperless policies.

Final Tips for Employers

  1. Read the Fine Print: Exclusions like “high-risk activities” (e.g., cleaning windows) can void claims.
  2. Update Annually: Review coverage as your helper’s role or health needs change.
  3. Work with a Broker: We compare 10+ insurers to find hidden perks (e.g., free health check-ups).

Need Help?

We have prepared some cost effective and comprehensive plans for your reference

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Contact Us for a free, no-obligation quote tailored to your household’s needs.

Stay compliant, stay protected. Let’s make 2025 stress-free for you and your helper.

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