Domestic Helper Insurance Plan

At a Glance

Employer's liability

Covers against employer's liability for the accidental death or incapacity of foreign domestic helper in the course of employment, up to HKD100,000,000.

Clinical, emergency dental, hospitalisation and surgical expenses

Provides up to HKD2,000 clinical expenses coverage per year, up to HKD1,000 emergency dental expenses coverage per year, and up to HKD25,000 hospitalisation and surgical expenses coverage per year.
Clinical and emergency dental is applicable to Comprehensive Plan only.

Foreign domestic helper repatriation expenses

If your foreign domestic helper is unable to continue to provide their services to you due to accidental death or sickness, this Plan covers the cost of returning or repatriating their remains to their country of origin, up to a coverage limit of HKD10,000.

Infidelity benefits

Covers up to HKD10,000 in financial losses resulting from any proven dishonest act committed by the foreign domestic helper.
Applicable to Comprehensive Plan only.

Replacement expenses and temporary helper allowance

If your foreign domestic helper dies or becomes medically unfit due to injury or sickness, this Plan covers employment agency fees for a replacement helper up to HKD5,000.
In the event of your foreign domestic helper’s accidental death or hospitalisation for two consecutive weeks or more, this Plan covers a maximum reimbursement of HKD 200 per day, up to 30 days, as temporary helper allowance.
Applicable to Comprehensive Plan only.

Protection for your domestic helper arising from accidental injury or sickness with Domestic Helper Insurance Plan, underwritten by Chubb Insurance Hong Kong Limited.

The above information are the highlights of plan’s coverage only. For plan’s details, please refer to the terms and conditions and exclusions of the Policy.

Latest promotions

15% Off first-year premium

The above promotional offer is subject to relevant Terms and Conditions.

Features & Benefits

Benefit

Max limit per policy year (HKD)

Basic plan

Comprehensive plan

Employer’s liability

100,000,000

Hospital and surgical expenses

· Excess: 300

· Waiting period - 14 days after the policy effective day (for sickness cases)

· Hospital expenses: 300 per day

· Surgical expenses: 12,000 per surgery

25,000 per year

Repatriation expenses

10,000 per year

Clinical expenses

· 150 per visit

· Only 1 visit per day

N/A

2,000 per year

Emergency dental expenses

· Covers two-third of actual expenses

N/A

1,000 per year

Personal accident

N/A

100,000 per insured employee

Infidelity

N/A

10,000 per year

Unauthorised telephone calls

N/A

3,000 per year

Personal liability

· Excess: 500

N/A

200,000 per year

Replacement expenses

N/A

5,000 per year

Temporary helper allowance

· 200 per day, max 30 days

N/A

6,000 per year

How to Make a Claim

Submitting claims

You can submit your claim to Chubb online at Chubb Claim Centre, or directly to Chubb's mailing address (Chubb Insurance Hong Kong Limited 39/F, One Taikoo Place, 979 King’s Road, Quarry Bay, Hong Kong Attn: Claims Department)

Supporting documents

You should complete a claim form and submit together with the supporting documents, including (i) original receipts for any expenses incurred; (ii) any reports that have been obtained from the police, a carrier or other authorities about an accident; and (iii) any other documentary evidence required by Chubb to Chubb Insurance Hong Kong Limited within thirty (30) days of the event taking place.

Processing and payment of claims

Chubb must take all reasonable steps to pay a valid claim promptly.
Unless specified otherwise, Chubb will pay amounts under your policy to you.
No payments under this Policy shall carry interest.

Frequently Asked Questions

Is there any age limit for the insured foreign domestic helper?

Yes. The insured foreign domestic helper must be between the age of 18 and 60, starting on the domestic helper insurance policy effective date.

If a maid contracts a disease or suffers from injury when travelling with his / her employer overseas, will this be covered under the Domestic Helper Insurance Plan?

Under the current Employees' Compensation Ordinance, the employer is responsible for compensating all employees injured while arising out of and in the course of employment. However, the domestic helper insurance policy only provides coverage within Hong Kong.

If I apply for another same Domestic Helper Insurance Plan simultaneously, can I enjoy double protection?

No. Each domestic helper is not allowed to be covered under more than one Domestic Helper Insurance Plan. If your domestic helper is covered under more than one such policy:

We'll consider your domestic helper to be insured under the policy which provides the highest amount of benefit or
We'll consider your domestic helper to be insured under the policy which was issued first if the benefit amount is the same

In any case, we'll refund the premium paid from the commencement date, without interest, to you under the policy that is not giving coverage.

Is there any waiting period under the Domestic Helper Insurance Plan?

Hospitalisation and surgical expenses resulting from sickness are subject to a 14-day waiting period from the effective date of the Domestic Helper Insurance Plan.

Important Notes

The above insurance plans are underwritten by Chubb Insurance Hong Kong Limited ("Chubb"). Chubb reserves the right of final approval. DBS Bank (Hong Kong) Limited (the "Bank") is an insurance agent authorised by Chubb.

DBS Chubb Insurance Service Hotline is a dedicated enquiry hotline for DBS customers serviced by Chubb.

This policy will be automatically renewed upon the policy expiry date of each subsequent policy year unless written cancellation notice has been given to Chubb provided that premium is paid within thirty one (31) days of Renewal Date.

Major exclusions of the Domestic Helper Insurance Plan apply to any incident where your domestic helper commits suicide, attempts suicide, or deliberately inflicts self-injury, regardless of his or her mental health condition; any pre-existing medical conditions, suicide, intentional self-infliction, pregnancy, childbirth, miscarriage, cosmetic surgery, dental care (unless due to accidents); war, civil war, insurrection, revolution, performing duties as a member of armed forces or other law enforcing agencies; participation in any professional sports, competition; any loss or expenses with respect to Cuba or a specially designated person, entity, group or company on the Specially Designated List or which if reimbursed or paid by Chubb would result in Chubb being in breach of trade or economic sanctions or other such similar laws or regulations, etc.

The above information are the highlights of plan’s coverage only. For the plan's details, please refer to the terms and conditions and exclusions of the policy. In the event of any discrepancy between English and Chinese version, the English version shall prevail.

In the event of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer.

Any disputes over the contractual terms of the policy should be resolved directly between Chubb and the customer.

Under the “Insurance Ordinance”(Cap. 41), the Insurance Authority (IA) has started to collect the levy on insurance premiums from policyholders through insurance companies from 1 January 2018. For more details, please refer to: www.ia.org.hk/en/levy.

Domestic Helper Insurance Plan

Frequently Asked Questions

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