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Asia Superior Helper Insurance & Asia Superior Housemaid Insurance

ASIA SUPERIOR HELPER INSURANCE & ASIA SUPERIOR HOUSEMAID INSURANCE

Give your domestic helper / housemaid the protection she needs

Why you'll love this

Covers your legal liabilities as an employer up to HK$100,000,000 per event

Personal Accident protects your helper against accidental injury and death

Fidelity Coverage protects you against the financial loss arising from a dishonest act committed by your helper

Apply now

Asia Superior Helper
Asia Superior Housemaid

Asia Superior Helper provides comprehensive coverage for your domestic helper.

FEATURES AND BENEFITS

Out-patient visit up to HK$220 per visit per day

Covers out-patient expenses if your domestic helper requires medical treatment from a clinic for sickness or injury resulting from an accident.

Covers treatments by registered Chinese Medicine Practitioners, Bonesetters or Physiotherapists

Covers medical treatment by Registered Chinese Medicine Practitioners, Bonesetters or Physiotherapists Up to HK$100 per visit per day, up to HK$500 per year.

Protects you against legal liability as an employer

Under the Employees' Compensation Ordinance and at Common Law if your domestic helper suffers an injury or disease arising out of and in the course of employment with you. Upto HK$100 million per event.

Get up to HK$20,000 in reimbursement when you send your helper back

Reimburses you the cost of repatriating your domestic helper to his/her country of residence if certified by a legally qualified and registered medical practitioner as medically unfit to continue employment or in the event of death in service.

COVERAGE PROVIDED

Full coverage for Asia Superior Helper

Coverage	Maximum Limits (HK$)
1. Employees’ Compensation
Protects you against legal liability as an employer under the Employees' Compensation Ordinance and at Common Law if your domestic helper suffers an injury or disease arising out of and in the course of employment with you.	$100 million per event
2. Hospitalization and Surgical Expenses Pays for the medical expenses if your domestic helper is confined to hospital for surgery or treatment of sickness or bodily injury resulting from an accident:
Room & Board Charges	$350 per day
Surgical Expenses, Anaesthetist’s Fees, and Operating Theatre Fees	$15,000 per operation
Aggregate Limit	$30,000 per year
3. Clinical Expenses Covers out-patient expenses if your domestic helper requires medical treatment from a clinic for sickness or injury resulting from an accident. Include treatment by:
Registered Chinese Medicine Practitioners, Bonesetters or Physiotherapists	$220 per visit per day $100 per visit per day up to $500 per year
Aggregate Limit	$3,000 per year
4. Dental Expenses
Covers for emergency dental expenses incurred by your domestic helper, including oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease.	$2,500 per year Two-thirds of actual expense
5. Repatriation Expenses
Reimburses you the cost of repatriating your domestic helper to his/her country of residence if certified by a legally qualified and registered medical practitioner as medically unfit to continue employment or in the event of death in service.	$20,000 per year
6. Replacement Helper Expenses
Pays for extra expenses, such as air ticket, agency fee, medical check- up fee and etc., necessarily and reasonably incurred in employing a replacement helper if your domestic helper is repatriated due to serious injury, illness or death.	$10,000 per year
7. Personal Accident Provides the following benefits if your domestic helper suffered accidental bodily injury during his/her rest days:
Accidental death	$100,000 per year
Permanent total disablement	$100,000 per year
Total loss of two or more limbs or sight of both eyes	$100,000 per year
Total loss of one limb and sight of one eye	$100,000 per year
Total loss of one limb or sight of one eye	$50,000 per year
The maximum amount payable for each Domestic Helper	$100,000 per year
8. Service Interruption Cover
Compensates you for the loss or interruption of service if your domestic helper is hospitalized (from the 4th day of confinement onwards) due to bodily injury or sickness of your domestic helper.	$6,000 per year $200 per day
9. Fidelity Protection
Compensates you for your pecuniary loss caused by fraud or dishonesty committed by your domestic helper (include compensation for unauthorised telephone calls)	$10,000 per year (up to $3,000)
10. Domestic Helper Liability
Protects you and your domestic helper against legal liability towards third parties for their bodily injury &/ or property damage caused by your domestic helper’s negligence in the course of employment.	$100,000 per year
11. Replacement Cost of Door Lock or Metal Gate Lock
Pays for the replacement cost of main door lock or metal gate lock undertaken within 1 week following the termination of employment contract with the domestic helper due to discovery of his/her infidelity or serious sickness or bodily injury or death of the domestic helper resulting in repatriation.	$500 per year
12. Family Member Medical Expenses
Cover medical expenses incurred as a result of bodily injury of your family member, living with you and under 6 years old, caused by intentional malicious act of your domestic helper.	$5,000 per year

1. Employees’ Compensation

Protects you against legal liability as an employer under the Employees' Compensation Ordinance and at Common Law if your domestic helper suffers an injury or disease arising out of and in the course of employment with you.

Maximum Limits (HK$)

$100 million per event

2. Hospitalization and Surgical Expenses
Pays for the medical expenses if your domestic helper is confined to hospital for surgery or treatment of sickness or bodily injury resulting from an accident:

Room & Board Charges

Maximum Limits (HK$)

$350 per day

Surgical Expenses, Anaesthetist’s Fees, and Operating Theatre Fees

Maximum Limits (HK$)

$15,000 per operation

Aggregate Limit

Maximum Limits (HK$)

$30,000 per year

3. Clinical Expenses
Covers out-patient expenses if your domestic helper requires medical treatment from a clinic for sickness or injury resulting from an accident. Include treatment by:

Registered Chinese Medicine Practitioners, Bonesetters or Physiotherapists

Maximum Limits (HK$)

$220 per visit per day
$100 per visit per day up to $500 per year

Aggregate Limit

Maximum Limits (HK$)

$3,000 per year

4. Dental Expenses

Covers for emergency dental expenses incurred by your domestic helper, including oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease.

Maximum Limits (HK$)

$2,500 per year
Two-thirds of actual expense

5. Repatriation Expenses

Reimburses you the cost of repatriating your domestic helper to his/her country of residence if certified by a legally qualified and registered medical practitioner as medically unfit to continue employment or in the event of death in service.

Maximum Limits (HK$)

$20,000 per year

6. Replacement Helper Expenses

Pays for extra expenses, such as air ticket, agency fee, medical check- up fee and etc., necessarily and reasonably incurred in employing a replacement helper if your domestic helper is repatriated due to serious injury, illness or death.

Maximum Limits (HK$)

$10,000 per year

7. Personal Accident
Provides the following benefits if your domestic helper suffered accidental bodily injury during his/her rest days:

Accidental death

Maximum Limits (HK$)

$100,000 per year

Permanent total disablement

Maximum Limits (HK$)

$100,000 per year

Total loss of two or more limbs or sight of both eyes

Maximum Limits (HK$)

$100,000 per year

Total loss of one limb and sight of one eye

Maximum Limits (HK$)

$100,000 per year

Total loss of one limb or sight of one eye

Maximum Limits (HK$)

$50,000 per year

The maximum amount payable for each Domestic Helper

Maximum Limits (HK$)

$100,000 per year

8. Service Interruption Cover

Compensates you for the loss or interruption of service if your domestic helper is hospitalized (from the 4th day of confinement onwards) due to bodily injury or sickness of your domestic helper.

Maximum Limits (HK$)

$6,000 per year
$200 per day

9. Fidelity Protection

Compensates you for your pecuniary loss caused by fraud or dishonesty committed by your domestic helper
(include compensation for unauthorised telephone calls)

Maximum Limits (HK$)

$10,000 per year
(up to $3,000)

10. Domestic Helper Liability

Protects you and your domestic helper against legal liability towards third parties for their bodily injury &/ or property damage caused by your domestic helper’s negligence in the course of employment.

Maximum Limits (HK$)

$100,000 per year

11. Replacement Cost of Door Lock or Metal Gate Lock

Pays for the replacement cost of main door lock or metal gate lock undertaken within 1 week following the termination of employment contract with the domestic helper due to discovery of his/her infidelity or serious sickness or bodily injury or death of the domestic helper resulting in repatriation.

Maximum Limits (HK$)

$500 per year

12. Family Member Medical Expenses

Cover medical expenses incurred as a result of bodily injury of your family member, living with you and under 6 years old, caused by intentional malicious act of your domestic helper.

Maximum Limits (HK$)

$5,000 per year

PREMIUMS

Premium For Each Domestic Helper

Period of Insurance
1 Year
2 Years

Premium
HK$788
HK$1,420

Remarks:

Premium is applicable to domestic helper who carries out general household work only (excluding any driving duty). An additional annual premium of HK$400 (per domestic helper) shall be charged for domestic helper who is required to perform domestic works with driving duty.
Minimum premium per policy is HK$400.
Premium is inclusive of EC Insurance levy/surcharge.
Premium Levy payable to the Insurance Authority by policyholders has been imposed on relevant policy at the applicable rate and would be collected through insurance companies. All the premiums listed in the above information exclude Premium Levy.

Insurance Authority Premium Levy
Premium Levy collected by the Insurance Authority has been imposed on relevant policy at the applicable rate and would be remitted in accordance with the prescribed arrangements.

BEFORE YOU APPLY

Eligibility requirements

Overseas domestic helpers who are employed under a written employment contract of domestic services.

Age

The eligible domestic helper is between 18 to 60 years old on his or her first entry to this policy. Policy is renewable up to the age of 65.

Important notes

Asia Superior Helper Insurance is a product of insurance company or insurer but not OCBC Bank.
OCBC Bank is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as insurance agency and is the authorized insurance agency of Asia Insurance for distribution of Asia Superior Helper Insurance in the Hong Kong Special Administrative Region ("HKSAR"). The Plan is underwritten by Asia Insurance which is authorized and regulated by the Insurance Authority ("IA") of HKSAR. Asia Insurance will be responsible for providing your insurance coverage and handling claims under your plan.
Premium Levy payable to the IA by policyholders has been imposed on relevant policy at the applicable rate and would be collected through insurance companies. For further information, please visit www.asiainsurance.hk or www.ia.org.hk. For further information, please click here for details.
OCBC Bank and Asia Insurance reserve the right to amend or terminate the terms and conditions for the relevant premium discount without prior notice to customers. In case of any disputes, the decision of OCBC Bank and Asia Insurance shall be final.
The above information is for reference only and illustrative purpose only and shall not form any part of the policy document. Please refer to the insurance policy for terms and conditions. Where there is any discrepancy or inconsistency between the above information and the terms and conditions of the insurance policy, the latter 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 OCBC Bank and the customer out of the selling process or processing of the related transaction, OCBC Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between Asia Insurance and the customer.
Asia Insurance reserves the right to accept or decline any application for this plan. In case of any dispute in connection with the contents of this plan, the decision of Asia Insurance shall be final and conclusive. If you have any enquiries, please call the enquiry hotline.
In case of any conflict or inconsistency between the English and Chinese versions of the above information, the English version shall prevail.

Major Exclusions

The following is a highlight of some key exclusions to Asia Superior Helper Insurance. Please refer to policy provisions for complete details.

War, terrorism (except Employees’ Compensation Section), asbestos, nuclear fission or fusion and radioactive contamination.
All injuries, sickness or disease arising out of the pre-existing condition.
Routine or general medical check-ups.
Intentional self-inflicted injury or suicide, or any attempt whether sane or insane.
Mental illness and psychological disorder.
Childbirth, pregnancy, miscarriage, abortion and all complications.
Intoxication by alcohol, narcotics or drugs not prescribed by a medical practitioner and treatment in connection with addiction to drugs or alcohol.
Surgery for cosmetic purpose.
Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex (ARC).

Waiting Period

A 14-day Waiting Period from the effective date of the insurance cover for each domestic helper shall be applicable under Section 2 Hospitalization and Surgical Expenses, Section 3 Clinical Expenses, Section 4 Dental Expenses and Section 8 Service Interruption Cover during which no benefit shall be payable.

Remarks

For more coverage information, please refer to Product Brochure and Insurance Policy.

For claims details, please refer to Claim Form.

For making amendment request, please refer to Amendment Request Form.

For premium discount details, please refer to the Terms and Conditions of the offer.

Give your home assistant or postnatal care helper comprehensive protection.

HOW THIS WILL BENEFIT YOU

As low as less than HK$1.1 per day for total care
Comprehensive coverage from employer’s liability, medical expenses
Flexible Period of Insurance specially designed for part- time postnatal care helpers with a relatively short contract period

FEATURES AND BENEFITS

Employees’ Compensation Insurance

Up to HK$100 million per event.

In-hospital Medical Expenses

Up to HK$5,000 per year.

Personal Accident Benefits

Up to HK$30,000 per year.

Fidelity Protection

Up to HK$3,000 per year.

COVERAGE PROVIDED

Full coverage for Asia Superior Housemaid

Basic Cover	Maximum Limits (HK$)
Employees’ Compensation Insurance
Protects you against legal liability as an employer under the Employees’ Compensation Ordinance and at Common Law if your home assistant/postnatal care helper suffers an injury or disease arising out of and in the course of employment with you.	$100 million per event

Employees’ Compensation Insurance

Protects you against legal liability as an employer under the Employees’ Compensation Ordinance and at Common Law if your home assistant/postnatal care helper suffers an injury or disease arising out of and in the course of employment with you.

Maximum Limits (HK$)

$100 million per event

Extra Free Cover	Maximum Limits (HK$)
In-hospital Medical Expenses
Additionally pays for in-hospital medical expenses if your home assistant/ postnatal care helper is confined to hospital for surgery or treatment of bodily injury resulting from an accident whilst at work.	$5,000 per year
Personal Accident Benefits Provides the following benefits if your home assistant/postnatal care helper suffers accidental bodily injury whilst at work:
Accidental death	$30,000 per year
Permanent total disablement	$30,000 per year
Total loss of two or more limbs or sight of both eyes	$30,000 per year
Total loss of one limb and sight of one eye	$30,000 per year
Total loss of one limb or sight of one eye	$15,000 per year
The maximum amount payable for each home assistant/postnatal care helper	$30,000 per year
Fidelity Protection
Compensates you for your pecuniary loss caused by fraud or dishonesty committed by your home assistant/postnatal care helper.	$3,000 per year

In-hospital Medical Expenses

Additionally pays for in-hospital medical expenses if your home assistant/ postnatal care helper is confined to hospital for surgery or treatment of bodily injury resulting from an accident whilst at work.

Maximum Limits (HK$)

$5,000 per year

Personal Accident Benefits
Provides the following benefits if your home assistant/postnatal care helper suffers accidental bodily injury whilst at work:

Accidental death

Maximum Limits (HK$)

$30,000 per year

Permanent total disablement

Maximum Limits (HK$)

$30,000 per year

Total loss of two or more limbs or sight of both eyes

Maximum Limits (HK$)

$30,000 per year

Total loss of one limb and sight of one eye

Maximum Limits (HK$)

$30,000 per year

Total loss of one limb or sight of one eye

Maximum Limits (HK$)

$15,000 per year

The maximum amount payable for each home assistant/postnatal care helper

Maximum Limits (HK$)

$30,000 per year

Fidelity Protection

Compensates you for your pecuniary loss caused by fraud or dishonesty committed by your home assistant/postnatal care helper.

Maximum Limits (HK$)

$3,000 per year

PREMIUMS

Job Nature	Period of Insurance	Premium (per person)
Full-Time/ Part-Time Home Assistant	1 Year	HK$395
Postnatal Care Helper	1 Month	HK$395
	2 Months	HK$590
	3 Months	HK$790

Remarks:

Premium is applicable to (i) local home assistant who carries out general household work only, excluding driver and gardener; and (ii) local postnatal care helper.
Premium loading applies if monthly salary more than HK$30,000.
Minimum premium per employee is HK$395.
No refund for cancellation of cover for postnatal care helper.
Premium is inclusive of EC Insurance levy/surcharge.
Premium Levy payable to the Insurance Authority by policyholders has been imposed on relevant policy at the applicable rate and would be collected through insurance companies. All the premiums listed in the above information exclude Premium Levy.

Insurance Authority Premium Levy
Premium Levy collected by the Insurance Authority has been imposed on relevant policy at the applicable rate and would be remitted in accordance with the prescribed arrangements.

BEFORE YOU APPLY