Is domestic helper insurance necessary?
Yes. According to Hong Kong law, the employer must have employee compensation insurance for any domestic helpers they hire. This is typically known as ‘maid insurance’ or ‘helper insurance’ and most banks and insurance providers will have policy options.
According to the Labour Department, “an employer who fails to comply with the compulsory insurance requirement is liable on conviction to a maximum fine of $100,000 and imprisonment for two years.” Therefore, it is incredibly important for the employer to take care of the domestic helper’s insurance plan prior to employment!
This insurance is important because it covers the employer’s liability should the employee get sick or injured while working.
The Employees’ Compensation Ordinance (Cap. 282) states that the minimum insurance cover required is $100,000,000/event. The least expensive and most basic form of helper insurance should provide this minimum requirement.
More extensive domestic helper insurance plans can cover, in addition to the government minimum requirement, benefits such as:
- Health insurance
- Repatriation expenses
- Personal accident insurance
- Fidelity coverage
- Dental insurance
- Replacement expenses
- Temporary worker subsidy
While some employers choose to obtain only basic employee compensation insurance for domestic helpers, others choose more extensive plans that will provide more protection. We recommend comparing domestic helper insurance policies between companies to find the policy which best fits the needs and budget.
We’ve created a comparison chart of of insurance policy options here. This is for reference only. Fair Employment Agency does not endorse any particular insurance policy. Please check directly with the insurance provider for the most updated prices. (Last updated May 2021)
You might also like:
- Do I have to pay a domestic helper’s medical expenses?
- What salary should I pay a domestic helper?
- How much does it cost to hire a domestic helper?
- Quick guide for Employers of Domestic Helpers
- Signup for the Fair Bulletin: Monthly newsletter from Fair Agency
- Follow us on: Facebook and Instagram
Ready to get hiring? View Services
If you found this article helpful, please consider donating today.
Fair Employment Agency is a nonprofit agency. We put a lot of work into producing high quality, accurate and updated information resources because when employers and domestic helpers are informed, they are empowered to make good choices.
If you found this article helpful, please consider donating to support us through Fair Employment Foundation, a registered section 88 charity in Hong Kong, which builds social businesses (like us!) to make migrant recruitment fair to workers & fair to employers.
- Click HERE for all donation methods.
Last updated on July 27th, 2021