• Foreign Domestic Helper Comprehensive Insurance
• Premium
• Major Exclusion
• Important Notice

 

Foreign Domestic Helper Comprehensive Insurance

Coverage Summary
Insured Items and Coverage		Maximum Indemnity (HK$)
		Plan A	Plan B
1.	Employees' Compensation Indemnify against liabilities under the Employees' Compensation Ordinance if the domestic helper suffers accidental injury arising out of and in the course of employment.	$100,000,000	$100,000,000
2.	24 Hours Personal Accident Protection Cover domestic helper against accidental death or permanent total disablement in the course of employment.	-	$150,000
3.	Clinical Expenses Reimburse the clinical expenses for medical treatment resulting from sickness or accidental injury (limit 1 visit per day). ·         Maximum per visit ·         Per Period of Insurance	-	$150 $3,000
4.	Surgical and Hospitalization Expenses Cover domestic helper against the surgical and hospitalization expenses due to sickness and accidental injury. ·         Room & Board ·         Surgical Fees (per disability) ·         Anesthesia Fees ·         Operation Theatre Charges ·         Per period of insurance	-	$300/Per Day $10,000 $2,500 $1,500 $25,000
5.	Dental Expenses Reimburse dental expenses incurred from oral surgery, treatment of abscessed, X-rays, extractions or fillings (except scaling) resulting from accident or sickness ( limit 1 visit per day) excluding scaling, oral exam etc. ·         Per Period of Insurance (80% Reimbursement - accident) (70% Reimbursement - sickness)	-	$1,500
6.	Repatriation Expenses Compensate for the costs of returning the remains of or repatriating the domestic helper back to the country of origin due to death, injury or medically unfit to continue employment ·         Unfit for work ·         Death	-	$10,000 $20,000
7.	Replacement Expenses Reimburse the replacement expenses incurred for employing new domestic helper because current domestic helper has to be repatriated due to death or medically unfit to work. ·         Per Period of Insurance	-	$5,000
8.	Temporary Helper Expenses Reimburse the expenses incurred to employ a temporary helper if the domestic helper is hospitalized for more than 5 days or death or proven that medically unfit to work & has terminated contract of service. ·         Per Day ·         Per Period of Insurance	-	$200 $5,000

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Premium

Premium Table (HK$)
	Plan A	Plan B
Premium for 1 year	$500	$680
Premium for 2 year	$900	$1,150

Insurance Authority Premium Levy

Pursuant to the Insurance (Levy) Order and Insurance (Levy) Regulation, Insurance Companies will collect IA Premium Levy on insurance premiums from your insurance policies effecting from 1-Jan-2020 onwards. This is the legal obligation of policyholders to pay a levy when premium is paid. The levy will be collected by Insurance Companies and then remit to Insurance Authority as required by the law.

Details of levy can be referred to table below. For further information, please visit Insurance Authority Official Web https://www.ia.org.hk/.

Policy Inception Date and/or Annual Anniversary Date	Applicable Levy Rate	Cap Per General Insurance Policy Per Policy Year (HK$)
From 1 Apr 2019 till 31 March 2020 (both dates inclusive)	0.06%	3,000
From 1 Apr 2020 till 31 March 2021 (both dates inclusive)	0.085%	4,250
From 1 Apr 2021 onwards (date inclusive)	0.10%	5,000

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Major Exclusion

War, self-inflicted injury, suicide, pregnancy and child birth, routine check-up, HIV/AIDS, mental illness, drug addiction, Pneumoconiosis or Noise-Induced Deafness, any pre-existing medical condition prior to inception of this insurance, etc.

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Important Notice

• Domestic helpers' age limits: 18-60.
• A 15 days waiting period from the inception date of this insurance shall be applicable under Sections 3 to 8. No benefits shall be payable under these Sections during the waiting period.

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Governing Law of Policy: Hong Kong Special Administrative Law

For enquiries, please visit any of our outlets or call our customer service hotline.

Note:

1. The above information is supplied by China BOCOM Insurance Co., Ltd. and is for reference only. Please refer to the full wording of the policy provisions published by China BOCOM Insurance Co., Ltd. for detailed terms & conditions and exclusions.
2. The insurance plan is underwritten by China BOCOM Insurance Co., Ltd. which is authorized by the Insurance Authority to provide general insurance business. Bank of Communications (Hong Kong) Limited  is an appointed insurance agent of China BOCOM Insurance Co., Ltd.

 

Important Notice:
The insurance plan is a product of China BOCOM Insurance Co., Ltd. but not Bank of Communications (Hong Kong) Limited  (the “Bank”). In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly China BOCOM Insurance Co., Ltd. and the customer.