Domestic Helper Insurance

Employing a domestic helper is not always easy, but making sure you have the right legal and medical protection can be just as confusing. RSA's MaidGuard insurance plan is designed to make your decision easier. With a choice of 3 comprehensive plans offering unique coverage and designed to meet every budget, you can sit back and relax while we take care of your domestic helper.

Comprehensive Coverage

Whilst covering your minimum legal liabilities, MaidGuard provides FREE Personal Accident insurance to protect your maid at no extra cost. It also gives you the choice of an additional, comprehensive range of benefits to look after your maid in the event of illness, covering out-patient and dental visits as well as hospitalization and repatriation expenses. If your domestic helper is hospitalized or repatriated due to ill health, you may receive a cash subsidy to employ a replacement or temporary helper. What's more, MaidGuard also extends our protection to you and your beloved family. Our "Domestic Helper Liability" covers your domestic helper's legal liability in the event of his/her negligence, "Fidelity Protection" covers your loss due to the dishonest act of your domestic helper, whereas "Medical Expenses" covers medical expenses for bodily injury to your family members caused by domestic helper's intentional act.

High Limits at Low Cost

With a maximum limit up to 25 visits per year on Network Out-patient cover, MaidGuard offers you the highest protection available in the market. Medical services inclusive of General Physician Consultation which is completely free, Specialist Consultation and Physiotherapy, are provided by designated panel doctors* with an extensive network of over 400 medical practitioners located throughout Hong Kong. Just present the medical card and no claims procedures are required. It is that simple and convenient!

Unmatched Convenience

To make your life even easier, we are pleased to offer you 3-tiers of cover and the option of a 2-year policy which saves you the trouble of renewing your insurance every year and tie-in the insurance protection with the 2-year employment contract. As an added benefit, you will enjoy EXTRA discount on your premium!

Priviledged Offers

You can enjoy the following extra privileged offers once enrolled to the plan:

  1. Privilege rate at HK$540 for Domestic Helper Health Check-up
  2. Privilege rate at HK$500 for Female Check-up
  3. Privilege rate at HK$170 for Flu Vaccination
  4. Privilege rate at HK$920 per shot for Pneumococcal Vaccine

*Only available to Plan III. These programmes are provided to the insured domestic helper by designated service provider.

Premium for Each Domestic Helper
Type of Plan Period of Insurance
1 Year 2 Years
Plan I HK$477 HK$864
Plan II HK$740 HK$1,290
Plan III HK$778 HK$1,375

Simply select one of the above plans, fill out the form and return to us now! Minimum premium per policy is HK$477.

Type of Plan Cover Benefit Maximum Limit (HK$)
Plan I Employees' Compensation
Protect you from your liability under the Employees' Compensation Ordinance to your domestic helper against accidents and injuries arising out of and in the course of employment
 100,000,000
Personal Accident1 Cover your domestic helper during the rest days for bodily injury  
Accidental death 150,000
Permanent total disablement 150,000
Loss of two or more limbs or sight of both eyes 150,000
Loss of one limb or sight of one eye 75,000
Plan II
(includes Plan I)		 Surgical &
Hospitalisation Expenses2
Cover surgeons' and anaesthetists' fees, operating theatre charges, as well as room & boardfor your domestic helper while residing in a hospital
  • Room & board and other miscellaneous expenses up to HK$300 per day

  • Surgical fee per disability up to HK$10,000

  • Post Hospitalisation Consultation within 30 days after discharge from the hospital up to HK$150 per visit and HK$1,000 per disability
 80,000
Plan III
(includes Plan I & Plan II)		 Out-patient Benefits2
Provide Network Out-patient Benefits3 to your domestic helper at designated panel doctors
  1. Fully cover general physician consultation and 3 days basic medication
  2. Specialist consultation and 3 days basic medication, co-payment HK$230 (Subject to referral by panel general physician)
  3. Physiotherapy, co-payment HK$150 (Subject to referral by panel general physician)
Covers Emergency Out-patient Expenses for your domestic helper in case of emergency treatment in a hospital up to HK$150 per visit and up to 2 visits per year 		25 visits per policy year
Dental Expenses2
Cover expenses on oral surgery, treatment of abscesses, X-rays, extractions and/or fillings provided by registered dentist for your domestic helper as a result of dental disease
(Two-thirds of expenses are payable for each claim)
 3,000
Repatriation Expenses
Cover the repatriation expenses of your domestic helper to his/her country of residence if he/she is certified to be unfit for work, or in the event of death, post-mortem treatment and return of mortal remains or body ashes
 20,000
Temporary Helper & Replacement
Helper Expenses
If your domestic helper is hospitalised, we will reimburse the expenses for employing a temporary domestic helper (Max. HK$200 per day)
If your domestic helper is repatriated due to accident, death or serious illness, we will pay the expenses incurred in employing a replacement helper
 5,000
Domestic Helper Liability
Cover your domestic helper's legal liability in the event of his/her negligence causing third party bodily injury or property damage in the course of employment with you(Excess for third party property damage: HK$500)
 100,000
Fidelity Protection
Cover loss due to the dishonest act of domestic helper, including a sub-limit of HK$2,000 per year of unauthorised IDD calls
 6,000
Family Member Medical Expenses
Cover medical expenses for bodily injury (with evidence of police report) to your family members under 3 years of age caused by the domestic helper's intentional act
 10,000

Extra Benefit: Free 24-hour Assistance Hotline Service is included in all plans.

Remarks:

  1. Personal Accident cover is extended free-of-charge to Employees' Compensation insurance (not applicable to Hong Kong permanent resident)
  2. A 15-day waiting period from the effective date of the insurance for each domestic helper shall apply.
  3. Network Out-patient Benefits Items a, b and c is subject to one visit per day. Non-panel doctor consultations are NOT covered under this policy.
  4. Local domestic helper and Part-time domestic helper are eligible to Plan I only.

Age Limit: 18 to 60 years old (Not applicable to Employees' Compensation)

Major Exclusions

  • pre-existing conditions
  • routine check-up
  • self-inflicted injury
  • pneumoconiosis or noise-induced deafness
  • pregnancy and child birth, mental illness, surgery for cosmetic purpose
  • HIV/AIDS, venereal disease, heart disease and cancer

Note: The above information serves as a general guideline only. Please refer to the exclusions, terms and conditions of the Policy for details of cover.

Your Trustworthy Insurance Partner

With an almost 300 year heritage, RSA is one of the world's leading multinational quoted insurance groups. It has the capability to write business in over 130 countries and with major operations in the UK, Scandinavia, Canada, Ireland, Asia and the Middle East and Latin America.

A wholly-owned subsidiary of the RSA Group and traded in the name of Royal & Sun Alliance Insurance plc, we have run insurance business in Hong Kong for more than 30 years. We offer a comprehensive range of customised and packaged commercial and personal insurance products and services. Apart from enjoying the security provided by one of the world's leading insurers, you can trust our efficient and fair claims service and quality customer care.

At RSA, we are committed to providing our customers with convenient, appropriate and secure insurance solutions and consistently fulfilling what we promise. We are "The professional insurer you can always rely on".

For enquiries, please contact your agent / broker or us:
Royal & Sun Alliance Insurance plc
32/F, Dorset House, Taikoo Place, 979 King's Road,
Quarry Bay, Hong Kong
Tel: 2968 1636 Fax: 2917 6266
E-mail: hk_personal_insurance@hk.rsagroup.com