Domestic Helper Insurance
In Hong Kong, employers are legally required to provide Domestic Helper Insurance for all full-time helpers. But true protection goes beyond meeting legal standards — it’s about providing care, dignity, and financial security for the person who looks after your home.
Accidents and illnesses can happen anytime, whether on duty or off. Hospital bills, medical treatments, or repatriation costs can quickly add up.
At Expat Insurance Hong Kong, we help employers choose comprehensive plans that cover their need, from employees’ compensation to medical care, personal accident, and liability protection.
Why Work With Expat Insurance?
Compliant Coverage. Complete Care.
We make getting the right policy simple — helping you stay compliant, avoid risk, and safeguard your helper’s well-being.
We ensure legal compliance.
We explain exactly what’s required under Hong Kong’s employment laws and help you meet every obligation.
We tailor coverage to your needs.
We find comprehensive, affordable plans from multiple insurers for the best protection.
We simplify every step.
From policy setup to renewal reminders, we handle all administration and paperwork for you.
We support your claims.
If something happens, we coordinate with insurers to make claims easy and stress-free.
Why Choose Domestic Helper Insurance?
A basic plan may only satisfy the minimum legal requirement, but that often leaves gaps in coverage — particularly for medical treatment or off-duty incidents. A comprehensive plan provides stronger protection and greater peace of mind for both parties.
What Does Domestic Helper Insurance Include?
Employees’ Compensation – covers work-related injury or illness, as required by law
Hospital & Surgical Expenses – cover for inpatient and outpatient medical costs
Personal Accident Benefits – lump-sum payments for accidental death or disability
Repatriation Costs – covers transportation home in case of severe illness or death
Dental Coverage – optional benefits covering dental treatment
Third-Party Liability – covers damages or injury your helper may cause to others
Replacement Helper Coverage – reimbursement if you must hire a new helper unexpectedly
Possible Pitfalls We Help You Avoid
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Incomplete coverage: Many basic plans only include employees’ compensation. We ensure 24-hour protection — on or off duty.
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Unclear exclusions: Some policies don’t cover outpatient or off-duty injuries. We verify full, round-the-clock coverage.
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Missed renewals: Lapsed policies can create legal and financial exposure. We track your renewal dates to keep coverage active.
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Unexpected medical costs: medical bills can add up fast. We ensure you understand the cover and options available for your helper.
At Expat Insurance, we’ve helped countless employers protect their helpers — and their peace of mind — with clear, compliant, and compassionate coverage that truly delivers when needed most.
Need Help? Contact Us Today.
We Ensure Professional Insurance Services
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These are not uncommon events — they happen daily in Hong Kong, where one hospital stay, accident, or sudden illness can swiftly create a financial crisis. The key difference between being protected and left exposed often comes down to having the right insurance policy.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
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