Aims

Protection to the Maid Employer in the course of employing domestic helper

• Who shall sustain bodily injury or death by Accident or Disease during employment that the employer becomes legally liable (Statutory Requirement under Employee’s Compensation Ordinance);
• & or against other expenses in the event of illness and accident (optional base)

Covered Items

(I) Basic Cover
Employees’ Compensation
(II) Optional Cover
Clinical Expenses	Dental Expenses
Repatriation Expenses	Fidelity Guarantee
Replacement Helper Expenses	Personal Accident Benefits
Surgical and Hospitalization Expenses	Loss of Services Cash Allowance

Policy Type / Coverage Period
Package / Annual

Premium
Package price

Exclusion

• Accident or illness sustained outside Hong Kong
• Childbirth or pregnancy / HIV or AIDS
• Influence of alcohol or drugs
• Loss incurred within the first 10 or 15-day from the Policy Commencement Date for the optional cover Pre-existing condition
• Suicide or self-injury
• Unlawful acts
• Standard Exclusions if applicable

Market

Basic Concept of Market