Domestic Helper Insurance
Your domestic helper plays an essential role in your household — keeping daily life running smoothly and supporting your family’s well-being. Domestic Helper Insurance protects both you and your helper from unexpected medical, accident, or legal costs, ensuring peace of mind and full compliance with Hong Kong law.
About Domestic Helper Insurance
Protection for Your Home and the People Who Support It
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. With the right policy, you can protect your helper’s health and your household finances — all at an affordable cost.
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 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
With Domestic Helper Insurance, you’re protecting your home, your family, and the person who helps you care for both.
Why Work With Expat Insurance?
Compliant Coverage. Complete Care. Clear Advice.
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.
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.
Possible Pitfalls We Help You Avoid
-
Incomplete coverage: Many basic plans only include employees’ compensation. We ensure 24-hour protection — on or off duty.
-
Unclear exclusions: Some policies don’t cover outpatient or off-duty injuries. We verify full, round-the-clock coverage.
-
Missed renewals: Lapsed policies can create legal and financial exposure. We track your renewal dates to keep coverage active.
-
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.
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.
We Ensure Professional Insurance Services
Need Other Insurance Services?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group Insurance
Flexible group plans promoting team well-being for long-term business success, and increased staff retention for your business.
Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
Property Insurance
Safeguards your home and lifestyle from fire, theft, or accidental damage, keeping your property secure for your peace of mind secure.
Life Insurance
Ensures your family’s financial security and peace of mind, helping them maintain stability and avoid additional life stress if the unexpected happens.
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 aren’t rare exceptions — they’re everyday realities in Hong Kong, where a single hospital stay, accident, or unexpected illness can quickly become a financial crisis. The difference between being protected and being exposed often comes down to one thing: having the right policy in place.
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!
Blog & News Update
How I Negotiated Zero Premium Increase for a Client with an Ageing Workforce
Last quarter, I sat across from an insurer who wanted to raise premiums by 8%…
Avoiding the Problem of Group Insurance Gaps
I've watched HR teams discover their group insurance gaps in real time.An employee needs surgery.…
Why Drone Insurance Breaks Every Aviation Rule
Traditional aviation insurance makes one fundamental assumption: the pilot can see what they're flying.Direct line…
Contact Us to
Make An Appointment
Ready to protect yourself and your family with comprehensive expat insurance in Hong Kong? Whether it’s medical, life, or personal protection, we make finding the right plan simple and stress-free.
Booking with Expat Insurance Hong Kong is fast and hassle-free. Just fill out the short form below, and our team will be in touch within 24 hours to discuss your needs and recommend the best coverage for you.
Call us for a quote today!
+852 3563 9771
