Foreign Domestic Helper Insurance - Clinical and Dental Expenses
In Hong Kong, insurance options for foreign domestic helpers vary in premiums and coverage, mainly divided into basic and comprehensive plans. Basic plans cover essentials like employee compensation and hospitalization, while comprehensive plans offer additional benefits such as medical and dental coverage. Understanding these options is crucial before purchasing insurance.
Foreign Domestic Helpers: Understanding Window Cleaning Terms
If you've been following the news, there have been occasional reports of fatal accidents involving falling from buildings while cleaning windows, with some involving foreign domestic workers. As an employer, you have a responsibility to ensure the safety of your employees. There are clear guidelines regarding foreign domestic helpers cleaning windows to safeguard their safety and rights, as detailed below.
Foreign Domestic Helper QA Vol. 5
In Q&A Vol. 5, we'll discuss about insurance coverage for serious illnesses, including the list of illnesses covered, traditional Chinese Medicine certificates, expense limits, and the implications of concealing medical conditions when applying for insurance.
Foreign domestic helper accommodation and driving arrangement
Employers often seek foreign domestic workers to ease household burdens and provide care for family members. Common tasks include cleaning, cooking, and looking after children or seniors. Some wonder if helpers can also drive, particularly to school. In tight living spaces like in Hong Kong, affording a helper doesn't guarantee extra rooms, prompting questions about living room accommodations.
Foreign Domestic Helper QA Vol. IV
Designated doctor/Job-hopping/unfinished of policy/overlap of coverage between home insurance and foreign domestic helper insurance
In episode IV, we will share information about designated doctors and medical card arrangements, handling methods for job-hopping on insurance, refunds for unfinished policies, and areas where home insurance overlaps with foreign domestic helper insurance.
Blacklist of Employment Agencies 2024 Common Violations
In Hong Kong, the Labour Department updates an annual blacklist of employment agencies for foreign domestic workers, helping the public identify agencies issued warnings. With varied agency quality, caution is advised when hiring. We'll share common warnings from the latest 2024 list to highlight associated risks.
How to handle suspicion of theft by a foreign domestic helper, and what is loyalty assurance?
In Hong Kong, theft by foreign domestic helpers is a widespread concern, with cases even involving celebrities like Angela Hui. Employers often rely on luck when hiring helpers through agencies, making theft prevention crucial. If theft is suspected, gather evidence discreetly and involve the police. Some insurance policies offer protection against such losses, but conditions vary.
Foreign Domestic Helper Q&A Vol. 3
Foreign domestic helper insurance may seem straightforward, but there are many details that could be missed if not careful. It's only when you really need to make a claim that you might discover it's not covered, leaving you in a difficult situation. In the Vol. 3 of our Q&A series about foreign domestic helper insurance, we'll share information about the reimbursement limits and total caps for clinical expenses, the correct policyholder, policy effective/waiting periods, and job-hopping protection.
What is a “Standard Employment Contract” for foreign domestic helper?
When reading articles about foreign domestic helpers, the term "standard employment contract" is frequently mentioned. What exactly does the standard employment contract entail and what clauses should be noted? The following article will provide a brief overview.
Foreign Domestic Helper Q&A Vol. 2
Questions about foreign domestic helper insurance are numerous every day. Therefore, we have launched a new series - "foreign domestic helpers insurance Q&A," compiling questions related to insurance for foreign domestic helpers. The content of the second episode includes outpatient, inpatient, and surgical expenses, loyalty assurance, exclusions, and how to claim.
Can employers issue a Warning Letter to foreign domestic helpers and even terminate their employment immediately?
If you browse various foreign domestic helper discussion forums or social media groups, you will find numerous complaints about the work performance and attitude of foreign domestic helpers. While there are many FDHs who perform well, grievances are usually shared only when unpleasant incidents occur. If a mistake occurs for the first time, it is advisable to communicate politely and give the FDH a chance to improve. However, can employers issue a Warning Letter to FDH and even terminate their employment immediately?
Taking the foreign domestic helper on a trip - Does the foreign domestic helper insurance cover it?
Hong Kong people love to travel, but in the past two years, due to the raging pandemic, most countries have implemented entry restrictions or even banned entry. Now the restrictions are all gone, it's time to start planning trips again! If you have a foreign domestic helper at home, some employers may invite them to travel. Does the foreign domestic helper insurance cover their travel? What else should be considered?
Foreign Domestic Helper Q&A Vol. 1
Topic about Coverage, Costs, Third-Party Liability & Dental Expenses
Hong Kong people are very busy, and many families have both parents working. Not everyone has the luxury of extended family support for childcare or the time and energy to cook and clean after work. As a result, many opt to solve these issues by hiring a foreign domestic helper(FDH). Securing a comprehensive foreign domestic helper insurance not only safeguards the helper but also protects the employer's wallet. Below are common questions and answers regarding foreign domestic helper insurance.
Part 2: Salary calculation methods for long service payment and contract termination for foreign domestic helper
In part 1, we covered the notice period for foreign domestic helpers, arrangements for termination payments, and their calculation methods. In part 2, we will also discuss long-service payments or severance payments and their respective formulas. Visit our blog for more details!
Salary calculation methods for long service payment and contract termination for foreign domestic helper
In a previous article, we shared the arrangements for terminating contracts with foreign domestic helpers, along with details about other salary and insurance arrangements. However, we did not elaborate on the qualification criteria and calculation methods for end-of-contract, termination, or payment in lieu of notice, as well as the calculation of long-service payment. The question arises: do foreign domestic helpers qualify for long-service payment if they resign? In this two-part series, we will introduce relevant information and methods.
Employer's immigration and foreign domestic helper contract arrangements
If an employer is planning to move abroad but has an existing contract with a foreign domestic helper (FDH) that has not yet concluded, how should the employer handle the situation? Should they terminate the contract, transfer it to a family member, find someone else to take over, or consider relocating with the FDH? Depending on the circumstances, employers need to consider the following arrangements.
Foreign Domestic Helpers' Passports Being Withheld and Borrowing Problems
Online forums and news often report cases of foreign domestic helpers having their passports confiscated. What are the reasons behind this, and is such behavior legal? The article this week will provide some insights.
Smart Renewal Service - Online visa applications for foreign domestic helpers
If you have ever passed by the Wan Chai Immigration Tower, you would notice a large group of foreign domestic helpers(FDHs) waiting and lining up. The reason they are there is to apply for extension of their work visa. Instead of having a long queue, it's better to try the latest online visa application service, known as "Smart Renewal," allowing you to apply from the comfort of your home.
Are there limits on the working hours of foreign domestic helpers?
There was an incident involving the sudden death of a foreign domestic helper at home has prompted an investigation few months ago. Representatives from the Immigration Department and the Labour Department participated in the inquiry, point out some information related to the working hours of foreign domestic helpers. Is there a limit to the working hours for domestic helpers, and what are the consequences for abusive employers?
Understanding the regulations for foreign domestic helpers' holidays
Foreign domestic helpers come to Hong Kong from their hometowns to work and earn a living. As an employer, it is essential to provide them with holidays in accordance with the Employment Ordinance. Apart from safeguarding the physical health of domestic helpers, adequate rest is also beneficial for their mental well-being. Allowing them time off enables them to explore, connect with fellow compatriots, alleviate homesickness, and recharge for future work. Understanding and appropriately scheduling foreign domestic helpers' holidays are crucial to prevent work-related stress from accumulating. Failure to grant holidays may result in legal violations and fines for employers. It is important to familiarize yourself with the relevant regulations regarding domestic helpers' time off.