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Domestic Helper Insurance
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DBS Domestic Helper Insurance cares for you and your domestic helper with comprehensive coverage and extra benefits, giving you peace of mind all year round.

Caring for you and your domestic helper
If you have a domestic helper at home, you will agree that taking care of him or her is in fact taking care of your own well-being. DBS Bank Domestic Helper Insurance enables you to fulfil your legal obligation as an employer, it also offers full healthcare coverage as well as a range of extra benefits for you and your helper.

Full healthcare cover including clinical & physiotherapist treatment expenses
While the surgical and hospitalisation cover take care of expenses arising from serious accidents or illnesses, the out-patient and dental cover help ensure the everyday health of your helper. In case a home accident leaves your helper injured, cover for bonesetter or physiotherapist treatment is included.

Hospital cash benefit up to HK$6,000
When your helper is hospitalised, you will receive a daily hospital cash benefit of HK$200 for up to HK$6,000 per year to get temporary helper service. Even if the helper suffers permanent disablement or death outside the employment (during rest days), the plan provides HK$100,000 cash benefits to your helper or his / her family.

Replacing your helper at no extra costs
If the health problem of your helper becomes so serious that repatriation is needed, the repatriation costs as well as the administration costs of getting a new helper are covered. If the helper is replaced on contract completion or because of unsatisfactory service, the cover is extended free of charge, for the period from the termination of one helper to the arrival of a new one for up to 3 months. In other words, you do not pay any premium during the said period.

Coverage Table
Cover
Maximum Benefits (HK$)
Employees' Compensation
100,000,000 / event
Helper's Personal Accident Protection
100,000 / year
Helper's Medical Expenses (sickness or injury)
Surgical & Hospitalisation Expenses
a. Room & Board Charges
b. Surgical Expenses
c. Anaesthetists Fees
d. Operating Theatre Charges
   
Clinical Expenses
a. Outpatient visit
b. Bonesetter or Registered Physiotherapist
 
Dental Expenses (covers dental diseases only)
 
30,000 / year
300 / day
10,000 / operation
25% of surgeon's fees
12.5% of surgeon's fees
   
3,000 / year
150 / visit / day
100 / visit / day, 500 / year
 
2/3 of actual expenses up to 1,500 / year
Repatriation due to serious illness or injury
Repatriation of remains
Hospital Cash
20,000 / year
20,000 / year
200 / day, 6,000 / year
Replacing Your Helper
Administration expenses in replacing helper (due to health problems or death)
Replacement cost of main door lock or gate lock (due to infidelity or repatriation of helper)
Extension of cover to compensate for period without helper
 
3,000 / year
500 / year
Max. once a year for up to 3 months
Protection Against Helper Infidelity
Loss due to helper infidelity
Unauthorised use of IDD by helper
 
10,000 / year
3,000 / year

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Premium Table
Plan
Policy Term
Premium Per Term (HK$)
Per Overseas Domestic Helper*

One-year policy

Two-year policy

680

1,224
- Domestic helper(s) must be aged between 16 and 65.
- The above premium is applicable to overseas domestic helpers who carry out general household work only (excluding any duty as a chauffeur).

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Peace of mind
MSIG Insurance (Hong Kong) Limited (hereunder called "MSIG") has been providing general insurance solutions and products to its customers in Hong Kong for more than 120 years, with a network of operations dating as far back as 1880. In Hong Kong, MSIG, a wholly-owned subsidiary of one of the largest general insurers in Asia, Mitsui Sumitomo Insurance Co Ltd (MSI), is highly reputed for its long-standing industry experience and market knowledge.


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Important notes
- A 14-day waiting period from the effective date of the insurance shall be applicable under Clinical Expenses, Surgical & Hospitalisation Expenses, Hospital Cash Cover and Dental Expenses for each domestic helper during which no benefits shall be payable.
- For cancellation of policy during the period of insurance, refund (if applicable) will be made subject to a minimum premium of HK$500.


Major exclusions
 War, terrorism, suicide, childbirth, pregnancy, intoxication by alcohol, narcostic or drugs not prescribed by a registered medical practitioner, HIV or HIU related illness, pre-existing condition, etc.

         
 
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