Domestic Helper Package Insurance

Wing Lung "Domestic Helper Insurance" provides two different insurance plans to cater your needs.

From now till 30th November, 2017, apply via online/branch to enjoy 30% premium discount, applicant will also receive an extra movie voucher at around HKD 60 upon successful application. Wing Lung Credit Card cardholder can receive a cash rebate of 2% net premium by paying with Wing Lung Credit Card.

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  • No excess on all benefits.
  • Local domestic helper and Part-time domestic helper also can be insured.
  • Employer’s Liability are covered up to HK$100,000,000
  • Personal Accident Benefits are covered up to HK$200,000
  • Cash allowance for loss of services commencing from the 4th day of insured Domestic Helper
  • Dental Expenses is covered.
  • Plan A - Section 1 only : Statutory Employers' Liability Cover
  • Plan B - Sections 1 to 8 : All Benefits Cover

 

Section of Benefits Maximum Limit(HK$)
1. Employer's Liability  
  Employer's legal liability under the Hong Kong Employees' Compensation Ordinance and Common Law. $100,000,000 per event
2. Clinical Expenses  
  Reimbursement of clinical expenses incurred by the Domestic Helper due to sickness or accident up to $150 per visit per day
  Provided that the first medical treatment was received from a legally qualified and registered medical practitioner, expenses for treatment by bonesetter or registered physiotherapist are payable up to $100 per visit per day / $500 per year
  Total maximum amount payable per year under this Section 3,000
3. Surgical &Hospitalization Expenses  
  Reimbursement of surgical and hospitalization expenses incurred by the Domestic Helper due to sickness or accident up to  
  Room, board &other miscellaneous hospital charges $300 per day
  Surgical benefit per disability $10,000
  Anaesthesia and its administration benefit per disability 25% of payable surgical benefit but not exceeding $2,500
  Operating theatre benefit per disability 12.5% of payable surgical benefit but not exceeding $1,250
  Total maximum amount payable per year under this Section $20,000
  (Hospital means a hospital providing 24 hours service by qualified and registered medical practitioner for the care and treatment of sickness and injured person and is not primarily a clinic, a place for custodial care, alcoholics or drug addicts, a nursing, rest or convalescent home or home for the aged.)  
4. Dental Expenses  
  Reimbursement of two-thirds of the dental expenses incurred by the Domestic Helper up to $1,500 per year
5. Personal Accident Benefits  
  Death or Permanent Disablement resulting from accidental injury occurring in Hong Kong during the rest days of the Domestic Helper  
  Accidental Death or Permanent Total Disablement 200,000
  Loss of two or more limbs 200,000
  Loss of sight of both eyes 200,000
  Loss of one limb and sight of one eye 200,000
  Loss of one limb or sight of one eye 100,000
  (Loss of limb shall mean physical severance of a hand or foot at or above the wrist or ankle or of an arm or leg at or above elbow or knee. Loss of sight shall mean total and irrecoverable loss of all sight.)  
6. Loss of Services Cash Allowance  
  Cash allowances for loss of services commencing from the 4th day of insured Domestic Helper's confinement in a hospital. $200 per day / $6,000 per year
7. Repatriation Expenses  
  i) Emergency repatriation of the Domestic Helper in the event of serious sickness or injury;
ii) Post-mortem treatment and repatriation of mortal remains.
$20,000 per year
8. Replacement Helper Expenses  
  Extra expenses reasonably and necessarily incurred for employing a new helper in the event the insured Domestic Helper is repatriated due to serious injury, illness or death. (A valid claim must be payable under Section 7 "Repatriation Expenses") $3,000 per year
Premium Table Insurance Period - 1 year Insurance Period - 2 year
Plan A - Section 1 only HK$400 HK$720
Plan B - All Sections HK$600 HK$1,080
Brief Exclusions
General Exclusions Applicable to All Sections

War and allied perils, suicide, pregnancy or childbirth, intoxication by alcohol, narcotics or drugs not prescribed by a legally qualified and registered medical practitioner, pre-existing conditions, acquired immune deficiency syndrome (AIDS) or AIDS related complex (ARC) and any injury, illness or death which occurs or results from events taking place outside Hong Kong.

Specific Exclusions Applicable to
1. Employer's Liability
  Any late payment surcharge that the Insured may become liable under the legislation. Any accident outside Hong Kong, unless arise out of and in the course of employment while accompanying the Insured on an overseas trip.
2. Clinical Expenses and
3. Surgical and Hospitalization Expenses
  Nervous or mental disease, venereal disease, congenital anomalies or deformities, infertility, sterilization, heart disease, cancer, rest cure, physical check-ups, preventive medication and cosmetic or plastic surgery unless to correct an injury covered under the policy.
4. Dental Expenses
  Routine examination, scaling, polishing or cleaning, crowning, bridges, braces and dentures
5. Personal Accident Benefits
  Driving or riding in any kind of race, underwater activities involving the use of breathing apparatus.
6. Loss of Services Cash Allowance
  Nervous or mental disease, venereal disease, congenital anomalies or deformities, infertility, sterilization, heart disease, cancer, rest cure, physical check-ups, preventive medication and cosmetic or plastic surgery unless to correct an injury covered under the policy.
7. Repatriation Expenses and
8. Replacement Helper Expenses
  Any repatriation or transportation of mortal remains originating outside Hong Kong.

Remarks: The information above provides a brief introduction only. Please refer to the insurance policy for Terms and Conditions and other specific details. In the event of any discrepancy or inconsistency between the English version and the Chinese version of this Terms and Conditions, the English version shall prevail.

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 this Plan should be resolved between directly Wing Lung Insurance and the customer.

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