- \n
- Boasts multiple new protections, including replacement expenses caused by a domestic helper’s resignation within three months of the initial contract, or intentional\/negligent injuries to the household children or elders, and service interruption cover if the domestic helper suffers from cancer or heart disease1<\/sup><\/b><\/li>\n
- Provides optional benefit such that employers may plan according to their needs<\/b><\/li>\n
- Annual premium as low as HKD946, equivalent to less than HKD2.6 a day<\/b><\/li>\n
- During promotion period, enjoy the Free COVID-19 Vaccine Cover as added protection for the employer, domestic helper, and household members2<\/sup><\/b><\/li>\n<\/ul>\n
\n <\/p>\nHONG KONG
\nSAR –\u00a0Media OutReach<\/a>\u00a0–\u00a025 August 2021 –\u00a0<\/b>Zurich Insurance (Hong Kong)<\/a> (“Zurich Hong Kong”)
\nannounced today the launch of the new “Helpersafe” Domestic Helper Insurance
\nPlan, to meet the ever-changing protection needs of employers and domestic
\nhelpers. In addition to the coverage of traditional domestic helper insurance
\nplans, Zurich Hong Kong has expanded the scope of support, to include
\nprotections such as replacement expenses caused by specific events, plus the
\noutpatient expenses and hospitalization fees due to a domestic helper’s
\ndiagnosis of cancer or heart disease1<\/sup>. Under one plan, domestic
\nhelpers will also enjoy both network and non-network outpatient medical
\nbenefits, and up to HKD80,000 hospitalization benefit per policy year. \u00a0\u00a0\u00a0\u00a0<\/p>\n![](\"https:\/\/release.media-outreach.com\/release.php\/Images\/Thumb\/500x0\/171943\/zh-en.jpg#image-171943\")
<\/p>\n
\n <\/p>\n\u00a0<\/p>\n
\n <\/p>\nAccording to government statistics3<\/sup>,
\nthere were close to 380,000 foreign domestic helpers in Hong Kong at the end of
\n2020. Hong Kong people are known for their long hours at work, so domestic
\nhelpers are vital to a household’s cleanliness and meals, and also caring for
\nthe children and elderly. They are essential to running a home, and if a
\ndomestic helper were to be in an accident or have fallen ill, it may be
\nfinancially and emotionally consuming for the employer. At the same time,
\nemployers must be vigilant of the potential financial and liability risks from
\nhiring domestic helpers. Therefore, when selecting a domestic helper insurance
\nplan, employers must review every benefit detail to ensure the plan is the
\nright fit for both themselves and the hired help.<\/p>\n
\n <\/p>\n\u00a0<\/p>\n
\n <\/p>\n“Helpersafe” is a safety net when replacement is necessary<\/b>
\n <\/p>\n“Helpersafe” will pay the replacement expenses of
\nup to HKD5,000 per policy year if the replacement is necessary due to the
\nfollowing events:<\/p>\n- \n
- The domestic helper resigns within
\nthree months of the initial contract; or<\/li>\n - The domestic helper commits fraud
\nor dishonest acts; or<\/li>\n - The domestic helper goes missing
\nor leaves without prior notice; or<\/li>\n - The domestic helper intentionally
\nor negligently causes injury to the household children or elderly; or<\/li>\n - The domestic helper is repatriated
\nto his\/her home country as he\/she is medically unfit to carry on work4<\/sup>.\u00a0 <\/li>\n<\/ul>\n
\n <\/p>\nFlexible medical protection<\/b> \u00a0\u00a0\u00a0\u00a0\u00a0<\/p>\n
\n <\/p>\nThe domestic helper can enjoy up to HKD80,000
\nhospitalization benefit per policy year. They can also enjoy both network and
\nnon-network outpatient medical benefits. If the domestic helper visits the
\nselected network of general practitioners for consultation, neither co-payment
\nnor claims submission is needed. And virtual consultation service5<\/sup>
\nis available for domestic helpers to seek medical help without stepping foot
\noutside. <\/p>\n
\n <\/p>\n\u00a0<\/p>\n
\n <\/p>\nOptional benefit offers medical and hospitalization
\nprotection against heart disease and cancer for extra peace of mind<\/b>
\n <\/p>\nAlthough conventional domestic helper insurance has
\nmedical protection, serious illnesses such as heart disease and cancer are
\noften not included in the regular or optional coverage. “Helpersafe” has especially
\nincluded heart disease and cancer as an optional benefit, offering related
\noutpatient expenses and hospitalization protection \u2013 up to HKD100,000 per
\npolicy year with the Deluxe Plan, and up to HKD50,000 per policy year with the
\nClassic Plan.<\/p>\n
\n <\/p>\n\u00a0<\/p>\n
\n <\/p>\nDaily premium as low as HKD2.6<\/b><\/p>\n
\n <\/p>\n“Helpersafe” annual premium can be as low as
\nHKD946, equivalent to less than HKD2.6 a day. And with as little as HKD150 a
\nyear, or lower than HKD0.5 a day, the insured may add the optional benefit of
\nthe heart disease and cancer cover.<\/p>\n
\n <\/p>\n\u00a0<\/p>\n
\n <\/p>\nFree COVID-19 Vaccine Cover2<\/sup><\/b><\/p>\n
\n <\/p>\nDuring the promotion period from now until
\nSeptember 30, 2021, those successfully enrolled in “Helpersafe” will enjoy
\nZurich Hong Kong’s Free COVID-19 Vaccine Cover. The policyholder plus a maximum
\nof six same household members will be covered, hence protecting the employer,
\ndomestic helper, and household members at the same time. <\/p>\n
\n <\/p>\n\u00a0<\/p>\n
\n <\/p>\n1<\/sup> Applicable only to the
\nOptional Benefit \u2013 Heart Disease and Cancer Cover.<\/p>\n
\n <\/p>\n2<\/sup> Promotion period until
\nSeptember 30, 2021. Terms and Conditions apply for the Free COVID-19 Vaccine
\nCover, please refer to the designated page in Zurich Hong Kong’s website for
\ndetails.<\/p>\n
\n <\/p>\n3<\/sup> Data from DATA.GOV.HK:
\nStatistics on the number of Foreign Domestic Helpers in Hong Kong https:\/\/data.gov.hk\/en-data\/dataset\/hk-immd-set4-statistics-fdh<\/a>. <\/p>\n
\n <\/p>\n4<\/sup> A detailed medical report
\ncertified by medical practitioner of the domestic helper as medically unfit to
\ncontinue the employment is required upon submission of claims.<\/p>\n
\n <\/p>\n5<\/sup> Applicable to some network
\ngeneral practitioners only. The medicine delivery fee charged by the medical
\nservice provider will not be covered under this plan. <\/p>\n
\n <\/p>\n\u00a0<\/p>\n
\n <\/p>\nThe product information in this document is for
\nreference only. For the terms and conditions and exclusions of this product,
\nplease refer to the policy wording. The policy terms and conditions shall
\nprevail in case of discrepancy.<\/p>\n
\n <\/p>\nDownload Zurich Helpersafe Domestic Helper Factsheet: https:\/\/www.zurich.com.hk\/-\/media\/project\/zwp\/hongkong\/docs\/individuals\/domestic-helper-insurance\/helpersafedhplan_brochure_en.pdf<\/a><\/p>\n<\/p><\/div>\n\n
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- Provides optional benefit such that employers may plan according to their needs<\/b><\/li>\n