In Hong Kong, all employers are required by law to acquire Employee Compensation Insurance for their employees – this includes domestic helpers assisting with household tasks. Similarly to Employee Compensation Insurance, Domestic Helper Insurance protects you against your liability to the helper if they are injured or suffer an accident during the course of their regular duties. In the event they are injured or suffer an occupational illness, the Domestic Helper Insurance will provide weekly payments in lieu of their regular wage. Failure to comply can result in serious penalties, with a maximum fine of HKD 100,000 and two years in prison for the employer.
In addition to disability coverage, often times Domestic Helper Insurance provides extended benefits. Other additional benefits that can be added to the policy include:
It is important to note that each insurance company has its own unique package of benefits that can be applied to this policy. With the help of INLE Risk Management, we can help you determine what level of protection and additional benefits is appropriate for you.
No matter what your domestic helper’s duties are, you must obtain Employee Compensation Insurance for your employee. Employers must arrange their domestic helper’s insurance and pay the total cost without passing it along to the employee.
The most basic Domestic Helper Insurance policy will cover diseases and disability relating to work. But as members who care for your loved ones, paying extra attention to their supplementary benefits will encourage them to fully commit to your family and their work.
Besides avoiding hefty fines for noncompliance or steep medical bills in the event of an injury, the well-being of your domestic helper should be a major point for non-monetary reasons. As a result of taking care of your home and family, they are very involved in your families lives. Children and the elderly tend to be much more susceptible to diseases, so it is in your best interest to keep them healthy as possible.
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