MaidSafe Insurance
It is common for us in Hong Kong to hire a domestic helper to take care of the household chores. However, if your helper suddenly falls sick or gets injured under your employment, the financial burden on you could be substantial. As a thoughtful employer, whether you hire an overseas domestic helper, a local helper or only a part-time helper, you need a professional insurance plan to give you and your helper total peace of mind.
MaidSafe Insurance enables you to meet the legal obligations under the Employees’ Compensation Ordinance and offers you and your helper comprehensive protection through a host of medical, accident and liability coverage. Moreover, its 2 optional riders guarantee extra financial security that you need if your overseas domestic helper suffers from common major illnesses.
Blue Cross (Asia-Pacific) Insurance Limited (“Blue Cross”) is a subsidiary of AIA Group Limited. With over 50 years of operational experience in the insurance industry, Blue Cross provides a comprehensive range of products and services including medical, travel and general insurance, which cater to the needs of both individual and corporate customers. Blue Cross’ success in insurance products and services is reaffirmed by numerous awards and accolades.
Basic Protection
Plan A:
Employees’ compensation coverage for all domestic helpers including part-timers
Plan B & Plan C:
Comprehensive protection for overseas domestic helpers
- Employer’s liability up to HK$100,000,000
- Outpatient benefit up to HK$200 per day
- Hospital and surgical benefit
- Loss of service cash allowances
- Dental benefit
- Repatriation expenses
- Personal accident benefit up to HK$150,000
- Personal liability up to HK$200,000
Optional Riders
- Additional coverage for heart diseases, cancers, cysts, tumours or carcinoma in situ attachable to Plan B or Plan C
Basic Protection
| Maximum Limit (HK$) | |||
|---|---|---|---|
| Insured Items | Plan A | Plan B | Plan C |
| Employer’s Liability | |||
| - In respect of the legal liability under the Employees’ Compensation Ordinance | 100,000,000 per event | ||
| Outpatient Benefit | |||
| - Medical consultation, prescribed medicines and drugs | |||
| Limit per day | - | 150 | 200 |
| - Bonesetting, physiotherapy or chiropractic treatment | |||
| Limit per day | - | 100 | 100 |
| Limit per year | - | 500 | 500 |
| Total limit per year | N/A | 3000 | 3000 |
| Hospital and Surgical Benefit | |||
| - Room and Board (including miscellaneous hospital charges | |||
| Limit per day | - | 300 | 300 |
| - Surgeon’s Fee Limit per disability | - | 10000 | 10000 |
| - Anaesthetist’s Fee Limit per disability | - | 25% of the eligible Surgeon’s Fee | |
| - Operating Theatre Charges Limit per disability | - | 12.5% of the eligible Surgeon’s Fee | |
| Total limit per year | N/A | 20000 | 25000 |
| Loss of Service Cash Allowances | |||
| - Loss of domestic helper’s service due to hospital confinement (from the 4th day of confinement onwards | |||
| Limit per day | - | 200 | 200 |
| Total limit per year | N/A | 4000 | 6000 |
| Dental Benefit | |||
| - Oral surgery, treatment of abscesses, X-rays, extractions or fillings | |||
| Limit per day | - | 250 | 250 |
| Total limit per year | N/A | 1500 | 1500 |
| Replacement Helper Expenses | |||
| - Extra employment agency fee and other replacement expenses due to the death or repatriation of the domestic helper as a result of serious injury or illness | |||
| Total limit per year | N/A | 3000 | 10000 |
| Repatriation Expenses | |||
| - Repatriation due to serious illness or injury | |||
| - Post-mortem treatment and transportation of mortal remains or body ashes to the country of origin | |||
| Total limit per year | N/A | 20000 | 20000 |
| Maximum Limit (HK$) | |||
|---|---|---|---|
| Insured Items | Plan A | Plan B | Plan C |
| Personal Accident | |||
| - Accidental death or permanent disablement resulting from injury during rest days in Hong Kong | |||
| Total limit per year | N/A | 100000 | 150000 |
| Fidelity Protection | |||
| - Financial loss from any fraudulent or dishonest act committed by the domestic helper | |||
| Total limit per year | N/A | 3000 | 6000 |
| Personal Liability | |||
| - Third party liability arising out of negligence of the domestic helper | |||
| Any one accident/any one period | N/A | N/A | 200000 |
Optional Riders
By choosing one of the following optional riders in addition to Plan B or Plan C, your obligation to provide your domestic helper with medical protection under the terms of your employment contract will be amply fulfilled if he/she suffers from common major illnesses including heart diseases, cancers, cysts, tumours or carcinoma in situ.
Optional Major Disease Protector - Gold
The outpatient benefit as well as the hospital and surgical benefit under the basic protection will be extended to cover the major illnesses mentioned above.
Optional Major Disease Protector - Diamond
In addition to an extension of the outpatient benefit as well as the hospital and surgical benefit upon diagnosis of the covered major illnesses, this optional rider offers additional coverage equivalent to the maximum benefits of the hospital and surgical benefit under the basic protection for your enhanced financial security. (See below
| Additional Hospital and Surgical Benefit | Maximum Limit (HK$) | ||
|---|---|---|---|
| Plan B | Plan C | ||
| - Room and Board (including miscellaneous hospital charges) | |||
| Limit per day | 300 | 300 | |
| Surgeon’s Fee | |||
| Limit per disability | 10000 | 10000 | |
| Anaesthetist’s Fee | 25% of the eligible | ||
| Limit per disability | Surgeon’s Fee | ||
| Operating Theatre Charges | 12.5% of the eligible | ||
| Limit per disability | Surgeon’s Fee | ||
| Total limit per year | 20000 | 25000 | |
Excess (each and every claim)
- 1. Hospital and Surgical Benefit HK$300
- 1. Personal Liability HK$500
Premium Table (HK$)
Important Notes
- Plan A is designed to meet employers' legal obligations under the Employees' Compensation Ordinance. This plan is not applicable to post-natal care helpers or domestic helpers who need to perform driving duties or have an annual income exceeding HK$200,000. The name of the insured helper is not required on the application
- Plan B and Plan C apply to full-time overseas domestic helpers only.
- The outpatient benefit, hospital and surgical benefit, loss of service cash allowances and dental benefit under the basic protection are subject to a 15-day waiting period from the effective date of the basic protection
- Outpatient benefit, hospital and surgical benefit under Optional Major Disease Protector - Gold and Optional Major Disease Protector - Diamond are subject to a 15-day waiting period from the effective date of the optional rider
- The period of insurance of the optional rider should correspond to that of the basic protection.
- A minimum premium of HK$300 annually will be charged if the basic protection is cancelled.
- A minimum premium of HK$100 will be charged if the optional rider is added or cancelled.
- All plans are available to domestic helpers aged 18 to 60 at the time of application. Policies are renewable for domestic helpers up to the age of 65.
- Coverage provided by this insurance plan applies to insured events occurring within the Hong Kong Special Administrative Region only
Major Exclusions
- Within 30 days after the occurrence of the event, customers can submit their claims by returning the claim form with the required documents to Blue Cross, or simply file their claims through the 24/7 Smart eClaims online platform at Blue Cross HK App or Blue Cross website with 3 simple steps (Input, Upload and Confirm). The online service greatly shortens the claim processing time so that the claim payment will be settled faster via autopay.
- For the claim of “Personal Liability” under the policy, complete the Domestic Helper Insurance Claim Form and return it together with the required information and document(s) to the Claims Department of Blue Cross by mail or in person.
Note:
- This leaflet is for distribution in Hong Kong only. The distribution of this leaflet is not and shall not be construed as an offer to sell or a solicitation to buy or a provision of any insurance product outside Hong Kong. Should there be any discrepancy between the English and the Chinese versions of this leaflet, the English version shall apply and prevail. This leaflet is for reference only. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions.
- MaidSafe Insurance is underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.
- Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees
- Blue Cross shall not be deemed to provide cover (including not to pay any claim or provide any benefit), when the provision of such cover would expose Blue Cross to any, or any risk of, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom, United States of America or any jurisdiction applicable to Blue Cross.
In 2022, Blue Cross is assigned the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Rating of “a” (Excellent) by AM Best, a global rating agency and information provider with a unique focus on the insurance industry. For the latest rating, please access www.ambest.com.