1 insurance plan found
MaidSafe Plan A
Get 20% off
- Meets legal obligations under the Employees’ Compensation Ordinance
- Covers all domestic helpers, including part-time helpers
- Employer’s Liability up to HK$100,000,000 per event
- No outpatient, hospital/surgery, or helper replacement coverage
HK$ 100,000,000
Employer’s Liability
Not Covered
Personal Liability
Not Covered
Outpatient / Hospital / Replacement
MaidSafe Plan A
Get 20% off
- Meets legal obligations under the Employees’ Compensation Ordinance
- Covers all domestic helpers, including part-time helpers
- Employer’s Liability up to HK$100,000,000 per event
- No outpatient, hospital/surgery, or helper replacement coverage
HK$ 100,000,000
Employer’s Liability
Not Covered
Personal Liability
Not Covered
Outpatient / Hospital / Replacement
MaidSafe Plan B
Get 20% off
- Comprehensive protection for full-time Overseas Domestic Helpers
- Outpatient Cover: HK$150/day for consultation & medicine
- Hospital & Surgical Cover: Up to HK$20,000/year
- Helper Replacement Cover: Up to HK$3,000/year
- Personal Accident cover up to HK$100,000
HK$ 150 / day
Outpatient Consultation
HK$ 20,000
Hospital & Surgical (Annual)
HK$ 4,000
Helper Replacement (Annual)
MaidSafe Plan B
Get 20% off
- Comprehensive protection for full-time Overseas Domestic Helpers
- Outpatient Cover: HK$150/day for consultation & medicine
- Hospital & Surgical Cover: Up to HK$20,000/year
- Helper Replacement Cover: Up to HK$3,000/year
- Personal Accident cover up to HK$100,000
HK$ 150 / day
Outpatient Consultation
HK$ 20,000
Hospital & Surgical (Annual)
HK$ 4,000
Helper Replacement (Annual)
MaidSafe Plan C
Get 20% off
- Higher benefit limits for full-time Overseas Domestic Helpers
- Enhanced Outpatient Cover: HK$200/day for consultation & medicine
- Higher Hospital & Surgical Cover: Up to HK$25,000/year
- Higher Helper Replacement Cover: Up to HK$10,000/year
- Higher Fidelity Protection: Up to HK$6,000/year
HK$ 200 / day
Outpatient Consultation
HK$ 25,000
Hospital & Surgical (Annual)
HK$ 10,000
Helper Replacement (Annual)
MaidSafe Plan C
Get 20% off
- Higher benefit limits for full-time Overseas Domestic Helpers
- Enhanced Outpatient Cover: HK$200/day for consultation & medicine
- Higher Hospital & Surgical Cover: Up to HK$25,000/year
- Higher Helper Replacement Cover: Up to HK$10,000/year
- Higher Fidelity Protection: Up to HK$6,000/year
HK$ 200 / day
Outpatient Consultation
HK$ 25,000
Hospital & Surgical (Annual)
HK$ 10,000
Helper Replacement (Annual)
Generali Domestic Helper
Clinic Coverage
Get 30% off
- Comprehensive Coverage for Overseas Domestic Helpers
- Enhanced Outpatient Cover: HK$200/day for consultation & medicine
- Hospital & Surgical Cover: Up to HK$25,000/year
- Fidelity Protection: Up to HK$8,000/year
HK$ 200 / day
Outpatient Consultation
HK$ 25,000
Hospital & Surgical (Annual)
HK$ 8,000
Fidelity Protection
AIG Domestic Helper Protector 3.0 – Basic
Mandatory Coverage
- Employees’ Compensation: HK$100M per event
- Fidelity Protection: Up to HK$5,000
- Covers overseas trips with employer
- No personal accident or hospitalization included
HK$ 100,000,000
Employees’ Compensation
HK$ 5,000
Fidelity Protection
N/A
Hospital & Surgical
AIG Domestic Helper Protector 3.0 – Basic
Mandatory Coverage
- Employees’ Compensation: HK$100M per event
- Fidelity Protection: Up to HK$5,000
- Covers overseas trips with employer
- No personal accident or hospitalization included
HK$ 100,000,000
Employees’ Compensation
HK$ 5,000
Fidelity Protection
N/A
Hospital & Surgical
AIG Domestic Helper Protector 3.0 – Extra Care
Enhanced Protection
- Personal Accident: HK$120,000 per policy
- Hospital & Surgical: HK$30,000/year
- Daily Hospital Allowance: HK$350/day
- Repatriation & Personal Belongings included
HK$ 120,000
Personal Accident
HK$ 30,000
Hospital & Surgical
HK$ 5,000
Repatriation
AIG Domestic Helper Protector 3.0 – Extra Care
Enhanced Protection
- Personal Accident: HK$120,000 per policy
- Hospital & Surgical: HK$30,000/year
- Daily Hospital Allowance: HK$350/day
- Repatriation & Personal Belongings included
HK$ 120,000
Personal Accident
HK$ 30,000
Hospital & Surgical
HK$ 5,000
Repatriation
AIG Domestic Helper Protector 3.0 – Super Care
Comprehensive Plan
- Personal Accident: HK$150,000 per policy
- Hospital & Surgical: HK$60,000/year
- Outpatient: HK$250/day, Dental: HK$2,000
- Includes Liability & Temporary Helper Subsidy
HK$ 150,000
Personal Accident
HK$ 60,000
Hospital & Surgical
HK$ 100,000
Helper Liability
AIG Domestic Helper Protector 3.0 – Super Care
Comprehensive Plan
- Personal Accident: HK$150,000 per policy
- Hospital & Surgical: HK$60,000/year
- Outpatient: HK$250/day, Dental: HK$2,000
- Includes Liability & Temporary Helper Subsidy
HK$ 150,000
Personal Accident
HK$ 60,000
Hospital & Surgical
HK$ 100,000
Helper Liability
AIG Domestic Helper Protector 3.0 – Ultra Care
Top-Tier Coverage
- Personal Accident: HK$200,000 per policy
- Hospital & Surgical: HK$80,000/year
- Outpatient: HK$300/day, Dental: HK$3,000
- Includes Medical for Family & Lock Replacement
HK$ 200,000
Personal Accident
HK$ 80,000
Hospital & Surgical
HK$ 5,000
Outpatient
HK$ 200,000
Helper Liability
AIG Domestic Helper Protector 3.0 – Ultra Care
Top-Tier Coverage
- Personal Accident: HK$200,000 per policy
- Hospital & Surgical: HK$80,000/year
- Outpatient: HK$300/day, Dental: HK$3,000
- Includes Medical for Family & Lock Replacement
HK$ 200,000
Personal Accident
HK$ 80,000
Hospital & Surgical
HK$ 5,000
Outpatient
HK$ 200,000
Helper Liability
Allied World MaidGuard Plan 1
Basic
- Employees’ Compensation coverage up to HK$100,000,000
- Personal Accident protection during rest days
- Coverage for accidental death and permanent disability
- Protection against employer’s liability under Employees’ Compensation Ordinance
HK$ 100,000,000
Employees’ Compensation
HK$ 150,000
Accidental Death / Permanent Total Disablement
HK$ 150,000
Loss of Two or More Limbs / Sight of Both Eyes
N/A
Hospital & Surgical Cover
Allied World MaidGuard Plan 1
Basic
- Employees’ Compensation coverage up to HK$100,000,000
- Personal Accident protection during rest days
- Coverage for accidental death and permanent disability
- Protection against employer’s liability under Employees’ Compensation Ordinance
HK$ 100,000,000
Employees’ Compensation
HK$ 150,000
Accidental Death / Permanent Total Disablement
HK$ 150,000
Loss of Two or More Limbs / Sight of Both Eyes
N/A
Hospital & Surgical Cover
Allied World MaidGuard Plan 2
Standard Coverage
- Employees’ Compensation coverage up to HK$100,000,000
- Personal Accident protection during rest days
- Surgical & Hospitalisation coverage up to HK$80,000
- Room & board up to HK$300/day and surgeons’ fees up to HK$20,000
HK$ 100,000,000
Employees’ Compensation
HK$ 80,000
Surgical & Hospitalisation
HK$ 150,000
Accidental Death / Permanent Disablement
HK$ 300 / day
Room & Board (Hospital)
Allied World MaidGuard Plan 2
Standard Coverage
- Employees’ Compensation coverage up to HK$100,000,000
- Personal Accident protection during rest days
- Surgical & Hospitalisation coverage up to HK$80,000
- Room & board up to HK$300/day and surgeons’ fees up to HK$20,000
HK$ 100,000,000
Employees’ Compensation
HK$ 80,000
Surgical & Hospitalisation
HK$ 150,000
Accidental Death / Permanent Disablement
HK$ 300 / day
Room & Board (Hospital)
Allied World MaidGuard Plan 3
Most Comprehensive
- Employees’ Compensation coverage up to HK$100,000,000
- Surgical & Hospitalisation coverage up to HK$80,000
- Out-patient benefits with 25 visits per year
- Fidelity Protection up to HK$6,000 with IDD call coverage
- Repatriation & Temporary Helper expenses coverage
- Dental expenses coverage up to HK$3,000
HK$ 100,000,000
Employees’ Compensation
HK$ 80,000
Surgical & Hospitalisation
25 Visits
Out-patient Benefits
HK$ 6,000
Fidelity Protection
HK$ 20,000
Repatriation Expenses
HK$ 5,000
Temporary Helper
Allied World MaidGuard Plan 3
Most Comprehensive
- Employees’ Compensation coverage up to HK$100,000,000
- Surgical & Hospitalisation coverage up to HK$80,000
- Out-patient benefits with 25 visits per year
- Fidelity Protection up to HK$6,000 with IDD call coverage
- Repatriation & Temporary Helper expenses coverage
- Dental expenses coverage up to HK$3,000
HK$ 100,000,000
Employees’ Compensation
HK$ 80,000
Surgical & Hospitalisation
25 Visits
Out-patient Benefits
HK$ 6,000
Fidelity Protection
HK$ 20,000
Repatriation Expenses
HK$ 5,000
Temporary Helper
AXA SmartHelper
Special: 2-year & Multi-helper Discounts
- Employees’ Compensation: HK$100M per event (EC Ordinance & Common Law)
- Hospitalization & Surgical: HK$30,000 with HK$350/day room & board
- Out-patient: HK$4,000 (HK$200/visit) & Emergency Dental: HK$2,500
- Personal Accident: HK$100,000 for rest day accidents
- Hospital Cash Subsidy: HK$200/day after 5+ days hospitalization
- Fidelity Protection: HK$8,000 including lock replacement & IDD calls
HK$ 1,000,000
Employees’ Compensation
HK$ 30,000
Hospital & Surgical
HK$ 4,000
Out-patient Expenses
HK$ 100,000
Personal Accident
HK$ 8,000
Fidelity Protection
HK$ 10,000
Re-hiring Expenses
AXA SmartHelper
Special: 2-year & Multi-helper Discounts
- Employees’ Compensation: HK$100M per event (EC Ordinance & Common Law)
- Hospitalization & Surgical: HK$30,000 with HK$350/day room & board
- Out-patient: HK$4,000 (HK$200/visit) & Emergency Dental: HK$2,500
- Personal Accident: HK$100,000 for rest day accidents
- Hospital Cash Subsidy: HK$200/day after 5+ days hospitalization
- Fidelity Protection: HK$8,000 including lock replacement & IDD calls
HK$ 1,000,000
Employees’ Compensation
HK$ 30,000
Hospital & Surgical
HK$ 4,000
Out-patient Expenses
HK$ 100,000
Personal Accident
HK$ 8,000
Fidelity Protection
HK$ 10,000
Re-hiring Expenses
AXA SmartHelper Plus
Premium Coverage with 24-Hour Assistance
- Employees’ Compensation: HK$100M per event (EC Ordinance & Common Law)
- Hospital & Surgical: HK$35,000 with HK$350/day room & board
- Clinical Expenses: HK$5,000 (HK$200/visit) including alternative therapies
- Replacement Cost: HK$10,000 for sudden leave or early termination
- 24-Hour Home Assistance Services with legal referral
- Service Interruption Allowance: HK$200/day after 5+ days hospitalization
HK$ 35,000
Hospital & Surgical
HK$ 5,000
Out-patient Expenses
HK$ 10,000
Replacement Cost
HK$ 8,000
Dishonesty Protection
HK$ 6,000
Service Interruption
HK$ 100,000
Personal Liability
AXA SmartHelper Plus
Premium Coverage with 24-Hour Assistance
- Employees’ Compensation: HK$100M per event (EC Ordinance & Common Law)
- Hospital & Surgical: HK$35,000 with HK$350/day room & board
- Clinical Expenses: HK$5,000 (HK$200/visit) including alternative therapies
- Replacement Cost: HK$10,000 for sudden leave or early termination
- 24-Hour Home Assistance Services with legal referral
- Service Interruption Allowance: HK$200/day after 5+ days hospitalization
HK$ 35,000
Hospital & Surgical
HK$ 5,000
Out-patient Expenses
HK$ 10,000
Replacement Cost
HK$ 8,000
Dishonesty Protection
HK$ 6,000
Service Interruption
HK$ 100,000
Personal Liability
Bolttech HelperCare Insurance
- Employer’s Liability: HK$100,000,000 per year coverage
- Hospital & Surgical: HK$30,000 with HK$350/day room
- Out-patient: HK$40,000/year with Chinese medicine coverage
- Personal Accident: HK$120,000 for rest day accidents
- Repatriation & Re-hiring: HK$250,000 & HK$10,000
- Hospital Cash Subsidy: HK$6,000 each
HK$100,000,000
Employer’s Liability
HK$ 30,000
Hospital & Surgical
HK$ 4,000
Out-patient Clinical
HK$ 120,000
Personal Accident
HK$ 5,000
Fidelity Protection
HK$ 25,000
Repatriation
Bolttech HelperCare Insurance
- Employer’s Liability: HK$100,000,000 per year coverage
- Hospital & Surgical: HK$30,000 with HK$350/day room
- Out-patient: HK$40,000/year with Chinese medicine coverage
- Personal Accident: HK$120,000 for rest day accidents
- Repatriation & Re-hiring: HK$250,000 & HK$10,000
- Hospital Cash Subsidy: HK$6,000 each
HK$100,000,000
Employer’s Liability
HK$ 30,000
Hospital & Surgical
HK$ 4,000
Out-patient Clinical
HK$ 120,000
Personal Accident
HK$ 5,000
Fidelity Protection
HK$ 25,000
Repatriation
Zurich Helpersafe Domestic Helper Insurance Plan
Network & Non-Network Benefits
- Employer’s Liability: HK$100M per event (EC Ordinance)
- Hospitalization: HK$80,000/year with HK$300/day room & board
- Outpatient: 20 network visits or HK$3,000 non-network
- Traditional Chinese Medicine & bonesetter coverage included
- Optional Heart Disease & Cancer cover available
- Service Interruption: HK$200/day for up to 30 days
HK$ 100,000,000
Employer’s Liability
HK$ 80,000
Hospitalization
HK$ 3,000 vs 20 Visits
Non-Network vs Network Outpatient
HK$ 10,000
Fidelity Protection
HK$ 100,000
Personal Accident
HK$ 100,000
Domestic Helper Liability
Zurich Helpersafe Domestic Helper Insurance Plan
Network & Non-Network Benefits
- Employer’s Liability: HK$100M per event (EC Ordinance)
- Hospitalization: HK$80,000/year with HK$300/day room & board
- Outpatient: 20 network visits or HK$3,000 non-network
- Traditional Chinese Medicine & bonesetter coverage included
- Optional Heart Disease & Cancer cover available
- Service Interruption: HK$200/day for up to 30 days
HK$ 100,000,000
Employer’s Liability
HK$ 80,000
Hospitalization
HK$ 3,000 vs 20 Visits
Non-Network vs Network Outpatient
HK$ 10,000
Fidelity Protection
HK$ 100,000
Personal Accident
HK$ 100,000
Domestic Helper Liability
MSIG HelperSurance 4.0
- Employees’ Compensation: HK$100M per event
- Clinical Expenses: HK$4,000 ,HK$200 per visit/day
- Hospital & Surgical: Room & board up to HK$300/day
- Service Interruption: HK$300/day
- Personal Accident: HK$100,000 coverage
- Fidelity Guarantee: HK$10,000
HK$ 100,000,000
Employees’ Compensation (per event)
HK$ 30,000
Hospital & Surgical
HK$ 4,000
Clinical Expenses
HK$ 100,000
Personal Accident
HK$ 10,000
Fidelity
HK$ 20,000
Repatriation Expenses
MSIG HelperSurance 4.0
- Employees’ Compensation: HK$100M per event
- Clinical Expenses: HK$4,000 ,HK$200 per visit/day
- Hospital & Surgical: Room & board up to HK$300/day
- Service Interruption: HK$300/day
- Personal Accident: HK$100,000 coverage
- Fidelity Guarantee: HK$10,000
HK$ 100,000,000
Employees’ Compensation (per event)
HK$ 30,000
Hospital & Surgical
HK$ 4,000
Clinical Expenses
HK$ 100,000
Personal Accident
HK$ 10,000
Fidelity
HK$ 20,000
Repatriation Expenses
QBE Domestic Helper Protector
Comprehensive Employer Protection
- Employer’s Liability up to HK$100M per event
- Clinical Expenses: HK$ 4,000, HK$ 200/day per visit
- Hospital & Surgical: Up to HK$30,000
- Personal Accident on rest days: Up to HK$200,000
- Fidelity Guarantee: Up to HK$3,000/year
- Optional Cancer & Heart Disease Extension available
HK$ 30,000
Hospital & Surgical
HK$ 4,000
Outpatient
HK$ 3,000
Fidelity Guarantee
HK$ 200,000
Personal Accident
HK$ 10,000
Replacement Helper
HK$ 500,000
Domestic Helper Liability
QBE Domestic Helper Protector
Comprehensive Employer Protection
- Employer’s Liability up to HK$100M per event
- Clinical Expenses: HK$ 4,000, HK$ 200/day per visit
- Hospital & Surgical: Up to HK$30,000
- Personal Accident on rest days: Up to HK$200,000
- Fidelity Guarantee: Up to HK$3,000/year
- Optional Cancer & Heart Disease Extension available
HK$ 30,000
Hospital & Surgical
HK$ 4,000
Outpatient
HK$ 3,000
Fidelity Guarantee
HK$ 200,000
Personal Accident
HK$ 10,000
Replacement Helper
HK$ 500,000
Domestic Helper Liability
Guide to Domestic Helper Insurance in Hong Kong (2026)
Hiring a domestic helper is vital for many Hong Kong families. However, you must ensure you have the right protection. In 2026, getting insurance is not just a legal rule. It is also a smart step to protect your finances.
1. Understanding the Law
First, you must comply with the government regulations. According to the Employees’ Compensation Ordinance, every employer needs valid insurance. Specifically, this policy must cover your liability for any injury or death of your helper.
Furthermore, the law requires a minimum coverage amount. You must be insured for at least HK$100,000,000 per event. In addition, employers must follow the Standard Employment Contract (ID 407). Consequently, you are responsible for providing free medical treatment to your helper.
2. Application Documents You Need
Next, let’s look at the paperwork. If you are hiring a new helper, you must submit forms to the Immigration Department. For example, you can use the official Online Application for Entry Visa. Generally, the required documents include:
- Form ID 988A: Visa application form for the helper.
- Form ID 988B: Application form for the employer.
- Standard Contract: You can Download Sample (ID 407) here.
3. How to Choose a Plan
Choosing the best plan can be confusing. A “Basic” plan covers the legal minimum. On the other hand, most employers prefer “Comprehensive” plans. Typically, these better plans include:
- Medical Expenses: Pays for hospital bills, surgery, and clinical visits.
- Repatriation Costs: Covers the flight home if your helper passes away or gets seriously ill.
- Replacement Costs: Pays for hiring a new helper if the current one cannot work.
To help you decide, please review the comparison table below:
| Your Situation | Recommended Plan Type | Why? |
|---|---|---|
| Budget Conscious | Basic / Standard Plans | Covers the legal HK$100M liability requirement at the lowest cost (e.g., BlueCross MaidSafe Plan A). |
| Older Helper / Health Concerns | Comprehensive with Add-ons | Look for plans with higher Surgical limits and optional Cancer/Heart disease coverage (e.g., QBE,Zurich,Axa,AIG with extension). |
| Full Peace of Mind | Premium Comprehensive | Includes “Fidelity Protection” (theft coverage) and outpatient dental benefits. |
Frequently Asked Questions
Is domestic helper insurance mandatory?
Yes, absolutely. Under Hong Kong law, all employers must hold a valid policy. In fact, you can verify this on the 1823.gov.hk FAQ page. Otherwise, you risk a fine of up to HK$100,000.
Who pays for medical expenses?
The employer must pay. According to the Labour Department’s Guide, you must provide free medical treatment. This applies even if the sickness is not work-related. Therefore, buying comprehensive medical insurance is highly recommended.
Does insurance cover cancer?
It depends on the plan. Standard plans usually cover hospital bills up to a set limit. Unfortunately, this may not be enough for cancer treatments. However, some providers (like QBE,Zurich,Axa,AIG) offer an optional Cancer & Heart Disease Extension for better protection.
Should I buy a 1-year or 2-year policy?
You can choose either option. Nevertheless, a 2-year policy is usually better. Since standard contracts last for two years, a 2-year policy ensures you are fully covered. Additionally, it is often cheaper upfront.