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PublicHousemaid Insurance

In nowadays, hiring home assistant to take care of daily housework becomes a new trend in Hong Kong. However, many employers may not be aware that they have legal obligation towards home assistants under the Employees’ Compensation Ordinance.

PublicHousemaid Insurance is the most convenient way to protect both you and your home assistant at an attractive price. This plan not only helps you to meet your legal obligation as an employer, but also provides extra benefits for your home assistant.

Targeted client

Value for money with low costs

Simple and convenient

Special Features

Targeted client
This plan is specially designed for people who employ Local Home Assistant aged 18 to 65 years old to carry out general household work.

Value for money with low costs
To look after your interest and the helping hands in your home costs just HK$395 per year.

Simple and convenient
Name of home assistant is not required under this plan.

Additional benefits
Provides free cover for in-hospital medical expenses and personal accident insurance benefit for home assistant in addition to your legal obligation as an employer.

Flexible plan
If change of home assistant, cover is fully transferable to new home assistant immediately and automatically without any handling charges.

BASIC COVER	Maximum Limit (HK$)
Employees Compensation Insurance Your liability as an employer under the Employees’ Compensation Ordinance and at Common Law if your home assistant suffers accidental bodily injury arising out of and in the course of employment.	100,000.000 per event
EXTRA FREE COVERS	Maximum Limit (HK$)
In-hospital Medical Expenses Additionally pays for in-hospital medical expenses if your home assistant is confined to hospital for surgery or treatment of bodily injury resulting from an accident whilst at work. Personal Accident Benefits Provides the following benefits if your home assistant suffers accidental bodily injury whilst at work - Accidental death - Permanent total disablement - Total loss of two or more limbs or sight of both eyes - Total loss of one limb and one sight of one eye - Total loss of one limb or sight of one eye The maximum amount payable for each home assistant	$5,000 per year $20,000 per year $20,000 per year $20,000 per year $20,000 per year $10,000 per year $20,000 per year

Cancellation Policy

Once the on-line application is approved, no refund will be allowed.

Claims Guide

Please read the following claims procedures and submit the duly completed claim form together with the relevant original documents to us. If necessary, we may require the employer and injured employee to provide further information or documentary proof for our claim assessment purposes.

Asia Insurance Co., Ltd - Claims Department
8/F, 118 Connaught Road West, Sheung Wan, Hong Kong

For any inquiries, please call our Claims Hotline during office hours.

Office Hours:

Monday to Friday: 9:00 - 17:30
Closed on Saturday, Sunday and Public Holidays

Tel : 3606 9196
Fax : 2810 0218
Email : Claims@afh.hk

Employee’s Compensation for Home Assistant

If your home assistant suffers accidental bodily injury arising out of and in the course of employment

To seek medical examination or treatment by a registered medical practitioner at a hospital or clinic immediately, and then obtain the sick leave certificate and medical receipt from the registered medical practitioner.
i)    If the accident results in total or partial incapacity of the employee for not exceeding 3 days
     and does not result in permanent incapacity, please complete and submit a prescribed
     Form 2B in duplicate to the Labour Department within 14 days of the accident. For details,
     please access the website of Labour Department's Employees’ Compensation Section.
     (i.e. the employer shall also notify and submit a copy of the Form 2B to us simultaneously);
                                                        or
ii)   If the accident results in total or partial incapacity of the employee for exceeding 3 days or
      results in permanent incapacity, please complete and submit a prescribed Form 2 in duplicate
      to the Labour Department within 14 days of the accident. For details, please access the
      web site of Labour Department's Employees' Compensation Section. (i.e. the employer shall
     also notify and submit a copy of the Form 2B to us simultaneously)
i)    Upon the expiry of sick leave, the employee should approach the Labour Department for sick
      leave clearance and, where necessary, to arrange for further assessment to assess the
      permanent loss of earning capacity caused by the injury.
                                                       or
ii)   For injuries involving only temporary incapacity for a period not exceeding 7 days, the
     employer may directly agree with the employee in writing or verbally as to the compensation
     payable for claim settlement. In this case, the employee is no need to approach Labour
     Department for sick leave clearance or medical assessment.
Please follow all claims requisite procedures prescribed by the Labour Department within the statutory time limits. Upon the completion of aforesaid claim procedures, please submit the following documents to us as soon as possible
i)    The Original Sick Leave Certificate(s);
ii)   The Original Medical Receipt(s);
iii)   For injuries involving only temporary incapacity for a period not exceeding 7 days, please
      submit the Original Agreement for Claim Direct Settlement which should be signed by both
      parties of the employer and employee (if applicable);
iv)   The Original Certificate of Compensation Assessment (Form 5) issued by the Labour
      Department (if applicable);
v)   The Original Certificate of Assessment (Form 7) issued by the Labour Department
      (if applicable).

Important notes:

For fatal work accident, the employer should call our Claims Hotline as soon as possible for details of claims procedures.
The employer should keep a copy of all submitted documents for future reference purposes.
Under the current Employees’ Compensation Ordinance, the Chinese herbalist and bonesetter have not yet been recognized as "Registered Medical Practitioner". Therefore, any sick leave certificates or medical receipts issued by such parties will not be accepted.

Personal Accident Cover for Home Assistant

If your home assistant suffers accidental bodily injury whilst at work, please submit the following documents within 30 days of the accident
i)    A signed and completed Personal Accident Claim Form;
ii)   The Original Medical Examination or Treatment Report, Medical Receipt and Police Report
     (if applicable), etc.

Important Notice:

This is a brief description of insurance coverage. Please refer to the policy document for details of insurance conditions and exceptions. If there is any conflict between the English version and the Chinese version of this webpage, the English version shall prevail.

Underwritten by Asia Insurance

Insurance Product Enquiry Hotline:

(852) 2853 4631

e-Banking Support Hotline:

(852) 2541 9206