Helpersafe Domestic Helper Insurance Plan
Domestic Helper Insurance for peace of mind
Rare in the market: provide replacement coverage if disappearance or sudden resignation within the first three months.1
Multiple medical coverage including outpatient, surgery, hospitalization, dental, and personal accident.
Meets labor insurance requirements for foreign, local part-time, and postnatal care helpers.
Multiple medical coverage for better protection
Outpatient medical expenses: Enjoy both network and non-network outpatient coverage, with up to 20 network general practitioner visits with no co-payment per policy year.
Hospitalization expenses: HKD 80,000 per policy year
Medical expenses for family member Covers medical expenses resulting from intentional malicious act by the domestic helper, such as injuries caused by the domestic helper pushing the employer’s child. ：HKD 5,000 per policy year
Outpatient medical expenses
virtual consultation service)
Specialist
Physiotherapist
Chiropractor
including bone-setting
Dental expenses
Outpatient medical expenses
(including virtual
consultation service)
Specialist
Physiotherapist
Chiropractor
practitioner including
bone-setting
Dental expenses
Hospitalization/
Day patient surgery
outpatient Surgeon's fee
Room and board charges
Operating theatre charges
Attending doctor’s visit fee
Specialist's fee
Miscellaneous charges
cover If your domestic helper is confined in a hospital in Hong Kong as an in-patient for treatment or surgery for more than 3 consecutive days or suffers from cancer or heart disease and has to take medical leave for more than 5 consecutive days, we will provide a daily allowance of HKD 200 (maximum 30 days per policy year) .
Hospitalization
Diagnosis/Medication
Diagnostic scan fees X-ray examinations, CT scans, MRI
Laboratory tests
Medication
💡Most domestic helper insurance basic plan do not cover medical costs for cancer or heart disease.
🛒You can purchase optional heart disease and cancer coverage, offering up to HKD 100,000 per policy year for greater peace of mind.
Other highlights
Covers up to HKD 5,000 of hiring a replacement domestic helper due to the existing domestic employee:
Rare in the Market
Sudden resignation within
the first three months
Has gone missing without any prior notice such as disappearance after borrowing from a finance company
Conducts dishonest acts or frauds
Causes injuries to your children or elders by intentional malicious act or due to negligence
Is repatriated back to his/her country of domicile if deemed medically unfit to continue the employment
Covers up to HKD 10,000 Fidelity benefit
Protection for financial loss resulting from frauds or dishonest acts committed by your domestic helper, including:
Theft of cash, wallets, watches, and other valuables
Costs for changing locks or gates due to contract termination caused by dishonest behavior
Unauthorized use of employer-paid long-distance phone calls
Covers up to HKD 5,000 of hiring a replacement domestic helper due to the existing domestic employee:
Rare in the Market
Sudden resignation within the first three months1
Has gone missing without any prior notice such as
disappearance after borrowing from a finance company
Conducts dishonest acts or frauds
Causes injuries to your children or elders by
intentional malicious act or due to negligence
Is repatriated back to his/her country of domicile
if deemed medically unfit to continue the employment
Covers up to HKD 10,000 Fidelity benefit
Protection for financial loss resulting from frauds or dishonest acts committed by your domestic helper, including:
Theft of cash, wallets, watches, and other valuables
contract termination caused by dishonest behavior
Unauthorized use of employer-paid long-distance phone calls
Comparison of Domestic Helper Insurance2
| Coverage Item (per policy year) |
Helpersafe Domestic Helper Insurance Plan |
●Company A | ●Company HL |
| Hospitalization expenses | HKD 80,000 | HKD 30,000 | HKD 25,000 |
| Replacement expenses Scenario 1 Domestic helper sudden resigns within the first three months 1 |
Cover HKD 5,000 |
Not Cover | |
| Replacement expenses Scenario 2 Domestic Helper Disappear without prior notice after borrowing from a finance company one year into her employment |
Cover HKD 5,000 |
Not Cover | |
| Outpatient medical expenses Scenario 3 Domestic worker caught a cold and had a sore throat, needs to see a doctor |
Network doctors available
（up to 20 visits per policy year） |
Network doctors not available | |
| Network doctors: No co-payment or claim submission needed |
|||
| Non-network doctors: Up to HKD 200 per visit |
Non-network doctors: Up to HKD 180 per visit |
Non-network doctors: Up to HKD 200 per visit |
|
Which plan should I enroll?
Overseas Domestic Helper
Recommendation:
Helpersafe Domestic Helper Insurance Plan Popular
Plan Highlights:
Flexible coverage period
of one or two years
Provide Optional Benefit
of Heart disease and
cancer cover
Overseas Domestic Helper
Recommendation:
Helpersafe Domestic Helper Insurance Plan Popular
Plan Highlights:
Flexible coverage period of one
or two years
Provide Optional Benefit of
Heart disease
and cancer cover
Local part-time helpers
Recommendation:
Employees’ Compensation Insurance Plan
Plan Highlights:
Flexible coverage period
of one years
Meet the statutory
requirements of Labor
Insurance
Local part-time domestic helpers
Recommendation:
Employees’ Compensation Insurance Plan
Plan Highlights:
Flexible coverage period of
one years
Meet the statutory requirements
of
Labor Insurance
Postnatal care helper
Recommendation:
Employees’ Compensation Insurance Plan
Plan Highlights:
Designated three-month
coverage period
Insurance specifically
designed for postpartum
mothers
Postnatal care helper
Recommendation:
Employees’ Compensation Insurance Plan
Plan Highlights:
Designated three-month
coverage period
Insurance specifically designed
for postpartum mothers
| Coverage | Maximum benefits per policy year （HKD） |
|
|---|---|---|
|
1. Employer’s liability |
100,000,000 per event |
|
|
2. Replacement expenses |
5,000 | |
|
3. Service interruption cover |
HKD 200 per day （maximum 30 days） |
|
|
4. Fidelity protection |
10,000 | |
|
5. Medical expenses for family member |
5,000 | |
|
6. Medical expense for domestic employee |
||
| a. Outpatient medical expenses | Non-network benefit | Network benefit |
| Annual limit/Maximum number of visit per policy year | 3,000 per year (One visit per day) |
20 visits per year |
| (i) General practitioner |
200 per visit |
No co-payment |
| (ii) Specialist or chiropractor | 200 per visit | 250 co-payment per visit |
| (iii) Physiotherapist or traditional Chinese practitioner including bone-setting | 100 per visit, up to 500 per policy year |
100 co-payment per visit |
| b. Hospitalization expenses | 80,000 | |
| (i) Room and board charges | 300 per day | |
| (ii) Each hospital confinement or day patient or outpatient surgery | 15,000 | |
|
7. Dental expenses |
2,000 | |
|
8. Personal accident |
100,000 | |
|
9. Repatriation cost |
10,000 | |
|
10. Domestic employee’s liability |
100,000 per event | |
|
11. Optional benefit – heart disease and cancer cover |
Classic Plan: 50,000 Deluxe Plan: 100,000 |
|
| a. Out-patient expenses and hospitalization | Same as the sub-limit of Section 6a and 6b | |
| b. Other medical treatments | 1,000 per treatment | |
Case studies
Case study 1：Replacement hiring expenses – helper missing
Background:
Sally, a busy working mother, relies on her domestic helper to manage household chores and care for her two young children. Understanding that unexpected situations can happen—especially during the initial employment period—she enrolled in the Helpersafe, which provides coverage for replacement hiring costs if the helper resigns or disappears within the first three months.
Incident:
Just two months after hiring her helper, Sally returned home to find the helper had left without notice, leaving no explanation or contact details. This sudden disappearance disrupted her family routine and created an urgent need to find a replacement to ensure her children were cared for while she maintained her work commitments.
Outcome:
Thanks to the Helpersafe plan, Sally quickly reported the incident to the police and submitted a claim, providing proof that she had hired a new replacement. She was reimbursed up to HKD 5,000 for the cost of hiring a new helper, easing her financial burden during a stressful time. This experience highlighted the importance of having protection against unforeseen circumstances when employing domestic helpers.
Frequently asked questions (FAQ)
The Employees’ Compensation Insurance Plan only covers the Employer’s Liability Benefit and is mainly designed for local part-time helpers or postnatal helpers.
While Helpersafe Domestic Helper Insurance Plan includes medical coverage and offers flexible coverage periods of one or two years. It is only applicable to overseas domestic helpers who perform household work and/or domestic duties specified in the employment contract.
You can find the network doctor list in the Helpersafe Domestic Helper Insurance Plan – Outpatient Medical Network, then select “Helpersafe Domestic Helper Insurance Plan” to see the current list of network doctors.
Please note that clients must present the medical card in the network clinic to enjoy the service. Pay and claim is not supported for this benefit item.
Yes—your domestic helper will need to present an e-medical card at the network doctor’s clinic to access outpatient services.
To access the domestic helper’s digital medical card, you can visit this page, enter the policy number and the domestic helper’s name in English.
Learn more
1 Not applicable to renewal employment contract.
2 As of 27 November 2025, compared with domestic helper insurance products provided by Hong Kong major insurance companies
- any pre-existing condition and congenital abnormalities;
- war, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in strike, riot or civil commotion or any kinds of participation in any act of terrorism;
- suicide, attempted suicide, intentional self-injury, insanity or any functional disorder or psychiatric condition of the mind, including but not limited to psychoses, neuroses, depression of any kind, anorexia nervosa, bulimia, gender reassignment, schizophrenia and other behavioral disorders;
- any condition under the influence of alcohol or drug (other than those prescribe by a qualified medical practitioner), alcoholism, drug addiction or solvent abuse;
- any condition resulting from childbirth, miscarriage, abortion, pregnancy, including but not limited to pregnancy test, pre-natal care as well as post-natal care and other complications arising from pregnancy, contraceptive or contraceptive devices, infertility or any other method of inducing pregnancy, sterilization of either sex; venereal diseases;
- any injury or illness known by you or your domestic employee which exists at the time of proposal or for which an operation is pending or treatment is being given at the commencement of this insurance;
- HIV (Human Immunodeficiency Virus) and/or HIV-related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof however caused or however named;
- participation in any illegal activity, including but not limited to robbery, drug abuse or assault;
- air travel except as a fare-paying passenger in a properly licensed aircraft operated by a licensed commercial air carrier; riding or driving in any kind of motor racing, or engaging in a sport in a professional capacity or where the domestic employee would or could earn income or remuneration from engaging in such sport, trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level
- any disabilities (except for Section 3 - Service Interruption Cover and Section 8 - Personal Accident in the policy wording) for which compensation is payable under any law, regulation or for which benefits are payable under any other insurance policies underwritten by any other insurer(s) except to the extent that such claim is not fully reimbursed under or pursuant to such law, regulation or other policies;
- ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel, or from any nuclear weapons material; and/or
- any cyber act that results in any accident, illness and/or injury.
Please refer to Policy Wording for the exclusions in different benefit sections.
- “2026 Domestic Helper Insurance Premium Discount Promotion” (“Promotion”) is provided by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) (“Zurich”).
- This Promotion is only applicable to selected Insurance Plan: Helpersafe Domestic Helper Insurance Plan.
- Customers who apply for the above Insurance Plan(s) through Zurich website with designated promo codes (“Promo code”) from January 2, 2026 to March 1, 2026 (“Promotion Period”) with the policy successfully issued by Zurich and effective on or before March 1, 2026, will be eligible to enjoy 20% first time premium discount.
- Promo code is subject to a limited quota and is available on a first-come-first-served basis.
- If the customer is also entitled to other prevailing promotional offer(s) in respect of the same policy(ies), Zurich reserves the right to provide only one of such offers to the customer, at Zurich’s sole discretion.
- The date and time appearing in the records of Zurich shall be conclusive as to the date and time relevant to the Promotion Period. Zurich shall not be responsible for any interruption, delay, loss, error or unrecognized information in relation to the application process due to technical problems including any computer or network problems.
- Zurich reserves the right to alter or terminate the Promotion (in whole or in part) or amend the Promotion Terms and Conditions at any time without prior notice.
- In case of any disputes of the Promotion, the decision of Zurich shall be final and conclusive.
- The Promotion discount is non-exchangeable for other gifts, non-redeemable for cash, and no change will be given.
- In the event of any inconsistency between the Chinese and English versions of these terms and conditions, the English version shall prevail.
The insurance plan is underwritten by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability).
The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.