Special 20% Discount for AXA Smart Helper Insurance



Special Offer: Get 20% Off Your AXA SmartHelper Plus Policy Today! Campaign Until 31st Aug 2025!

Living in Hong Kong’s fast-paced environment often means relying on a domestic helper to keep your household running smoothly. With the AXA SmartHelper Plus Prestige Plan, you can be a responsible and caring employer by providing comprehensive accidental and medical protection for your helper. Plus, for a limited time, enjoy a 20% discount on your policy!

Why Choose AXA SmartHelper Plus?

The AXA SmartHelper Plus Prestige Plan offers peace of mind with extensive coverage tailored to meet the needs of both you and your domestic helper. Here’s why it’s the perfect choice:

🛡️

Loan Protection

Protect any loans you’ve provided to your helper, covering non-repayable amounts in cases of repatriation due to death or medical unfitness certified by a practitioner.

🤥

Dishonesty Protection

Safeguard against financial loss from fraud or dishonest acts by your helper, up to HKD 8,000, including up to HKD 1,000 for lock replacement if needed.

🏥

Instant Medical Benefits with No Excess

Our plan provides immediate medical coverage for your helper, effective from day one with no waiting period. It covers:

  • Outpatient and inpatient care
  • Day surgery
  • Dental expenses
  • Cancer and critical illness coverage, with an option to top up for specific diseases
💸

Re-Hiring Subsidy

We offer market-leading coverage for extra expenses incurred when replacing your helper due to:

  • The helper leaving without notice (after 2+ years of service)
  • Malicious acts or negligence causing injury to your family
  • Early termination of the employment contract (twice in a year)
⚖️

Personal Liability Coverage

Protection against legal liability for your helper’s negligence causing bodily injury or property damage to third parties.

💰

Employees’ Compensation Protection

Up to HKD 1,000,000 per event to cover your legal liability as an employer under the Employees’ Compensation Ordinance and Common Law.

Additional Benefits for Your Convenience

  • Flexible Policy Terms: Choose between a 1-year or 2-year policy, with the latter offering a significant premium discount to align with standard employment contracts.
  • Multi-Insured Discount: Insure multiple helpers under the same policy and enjoy up to a 10% premium discount.
  • Easy Helper Change: Seamlessly transfer coverage to a new helper by notifying us during the policy period.
  • Digital Application: Apply online in minutes, with instant policy issuance and competitive premiums.
  • Simple Claims Process: Submit claims easily via the Emma by AXA app, with most claims processed within 7 working days.

Comprehensive Benefit Coverage

Summary of Benefits Maximum Limit Per Insured Helper (HKD)
Foreign Domestic Helper Prestige Plan
Section 1 – Employees’ Compensation
Protects your legal liability as an employer under the Employees’ Compensation Ordinance and Common Law
100,000,000 per event
Section 2 – Hospital and Surgical Expenses
For your insured helper’s inpatient and day surgery expenses
35,000 per policy year
a) Room and board and other inpatient hospital service expenses 350 per day
b) Surgery with hospital confinement 15,000 per operation
c) Anesthesia and its administration cost
d) Operating theatre expenses
e) Day surgery 7,500 per policy year
Section 3 – Clinical Expenses
For your insured helper’s outpatient expenses including general practitioner, specialist, chiropractor, physiotherapist, Chinese herbalist, bonesetter, and acupuncturist
5,000 per policy year (200 per visit per day)
Bonesetter 500 per policy year (100 per visit per day)
Section 4 – Dental Expenses
For dental surgery, treatment of abscesses, X-rays, extraction, or fillings, excluding normal check-up, cleaning, orthodontics, or dental prosthetics
2,500 per policy year (200 per visit per day)
Section 5 – Personal Accident
For insured helper’s permanent disablement or death caused by accident on rest days in Hong Kong
100,000 per policy year
Section 6 – Repatriation Expenses
For returning the insured helper to home country in case she/he is medically unfit or in event of death
20,000 per policy year
Section 7 – Replacement Cost
For re-hiring a new helper, in event of:
a) Sudden leave of the insured helper without notice, given she/he has been working for over 2 consecutive years
b) Early termination of employment contract which has occurred twice or more in a year
c) Malicious negligence of insured helper causing injury to your family
d) A valid claim under Section 9 – Helper Dishonesty Protection
e) A valid claim under Section 6 – Repatriation Expenses
10,000 per policy year
a) Sudden leave of the insured helper without notice, given she/he has been working for over 2 consecutive years 2,000 per policy year
b) Early termination of employment contract which has occurred twice or more in a year 2,000 per policy year
Section 8 – Service Interruption Allowance
Cash allowance in case the insured helper is hospitalized for 5 consecutive days or more
2,000 per policy year
(200 per day)
Section 9 – Helper Dishonesty Protection
For your financial loss due to fraud or dishonest act of the insured helper, and the need to replace your lock
Lock replacement 1,000 per policy year
Section 10 – Personal Liability
Protects your legal liability to third parties due to the negligence of your insured helper
100,000 per policy year
Section 11 – Loan Protection
For your loan to the insured helper who is not able to repay you, in the event of a valid claim under Section 6 – Repatriation Expenses
10,000 per policy year

Important Information

Major Exclusions

Some exclusions under this policy include:

  • Suicide or intentional self-injury
  • Venereal diseases or insanity, including HIV/AIDS
  • Pregnancy or childbirth
  • Acts under the influence of drugs or alcohol
  • Strikes, riots, or civil commotion
  • Injuries due to war, nuclear weapons, radioactivity, or terrorism
  • Acts violating the law

For a complete list of exclusions, please refer to the policy wordings at www.axa.com.

Frequently Asked Questions

Q: Eligibility of insured helper
A: An insured foreign domestic helper must be specified as the Helper in the Form Number ID407 who is aged between 18 and
60 on policy effective day; and aged between 18 and 64 on policy renewal day, except for Supplementary Medical (Critical
Illness) Benefit, that renewal is applicable for age between 18 and 59 only

Q: Are pre-existing conditions covered?
A: No, all pre-existing conditions are excluded

Q: How to submit claims?
A: Download Emma by AXA app to
submit your claim digitally. Most claims can be processed within 7 working days

Q: Is pregnancy covered?
A: No, all pregnancy-related conditions are excluded

Limited-Time Offer: 20% Discount!

Don’t miss out on this exclusive 20% discount on the AXA SmartHelper Plus Prestige Plan. Protect your helper and your peace of mind today!

Apply Now and Save 20%




Get Your Free Insurance Consultation Today!

Since 1991, Navigator Insurance Brokers Ltd. has helped over 100,000 individuals and businesses with tailored insurance solutions.
Let us help you find the best coverage for your needs.

Contact Us for a Free Quote

Why Choose Navigator Insurance Brokers Ltd.?

  • Independent Advice: We work for you, not insurance companies, ensuring unbiased recommendations.
  • Wide Range of Options: Access to multiple insurers for the best coverage at competitive prices.
  • 30+ Years of Expertise: Trusted by over 100,000 clients for personalized insurance solutions.


Recent Posts