HONG KONG SAR:
Zurich Insurance (Hong Kong) announced today the launch of the new "Helpersafe" Domestic Helper Insurance Plan, to meet the ever-changing protection needs of employers and domestic helpers. In addition to the coverage of traditional domestic helper insurance plans,
The cover can be bought by paying an annual premium of HKD946, equivalent to less than HKD2.6 a day.
The cover has multiple new protections, including replacement expenses caused by a domestic helper's resignation within three months of the initial contract, or intentional/negligent injuries to the household children or elders, and service interruption cover if the domestic helper suffers from cancer or heart disease.Zurich Hong Kong has expanded the scope of support, to include protections such as replacement expenses caused by specific events, plus the outpatient expenses and hospitalization fees due to a domestic helper's diagnosis of cancer or heart disease. Under one plan, domestic helpers will also enjoy both network and non-network outpatient medical benefits, and up to HKD80,000 hospitalization benefit per policy year.
According to government statistics, there were close to 380,000 foreign domestic helpers in Hong Kong at the end of 2020.
Hong Kong people are known for their long hours at work, so domestic helpers are vital to a household's cleanliness and meals, and also caring for the children and elderly. They are essential to running a home, and if a domestic helper were to be in an accident or have fallen ill, it may be financially and emotionally consuming for the employer. At the same time, employers must be vigilant of the potential financial and liability risks from hiring domestic helpers.
"Helpersafe" will pay the replacement expenses of up to HKD5,000 per policy year if the replacement is necessary due to various reasons.like the domestic helper resigns within three months of the initial contract; or commits fraud or dishonest acts; or goes missing or leaves without prior notice.