Loading...
Overseas Domestic Helper Insurance
Digital version
Worry-free Helper Insurance Application experience -
Easy, simple, anytime!
Up to 50% welcome discount for new customer
Annual premium for new policy HKD 328
Highest coverage for hospitalization in Hong Kong*
Hazzle-free unlimited changes of helpers' information
* Compare with the overseas domestic helper insurance
provided by the major insurance companies in Hong Kong
Is 「Digital Version」 your choice?

“I hire my helper on-line”
CASE 1
Its easy and convenient to find and hire domestic helpers online. I can even save the agency fee.
Now you can complete the insurance task also 100% on-line.

“Not easy to remember when to renew or update the details of helper”
CASE 2
It is harassed to remember the contract dates and inform the insurance company as I am too busy.
Digital Version provides you freedom to renew or update the insurance anytime throughout the year.

“Insurance should be good enough to cover major case”
CASE 3
Neighbor complained on paying medical expenses for the helper's cancer treatment; her insurance limit only good enough for minor illnesses.
No additional premium for Cancer and Heart Disease, and highest compensation annual limit in the market*
HIGHLIGHTS
Simple & easy online application
Experience fast, easy and paperless digital claims submission through our mobile app
「Open Cover」 for helper From now on, you don't have to worry about forgetting renewal of the helper's insurance
Unlimited change of domestic helpers' information with no charge.
The highest hospitalization & surgical expenses coverage*, focusing on the hospitalization & surgical expenses incurred from sickness or injury resulting from an accident.
*Compare with most of the Hong Kong insurance companies' domestic helper insurance basic plan in Mar 2021.
What is 「Open Cover 」for helper?
Forget to renew the contract again?
Not sure the arrival date of my helper?
Forget to notify the insurance company that I've changed my helper.
Reserve Cover
Have you been suffering from the followings?
  1. Forget to buy or renew the insurance for the helper
  2. Certain personal information of the helper is not available when you wish to proceed with insurance application
  3. After changing helper, forget to update the new helpers' information
  4. Forget to update the insurance upon removal
Click 「Open Cover」 - then worry-free!
We will reserve coverage for you up to 365 days!
You are protected after purchasing the open cover, just update the information including contract renewal date or the helper's update information anytime through our mobile app when necessary.
COMPREHENSIVE COVERAGE
5 major coverages, plus selective clinical and dental expenses coverage.
 
Selective Items
3 DIFFERENT PLANS FOR DIFFERENT EMPLOYERS' NEEDS:
Major Hospitalization Plan
Employer's Liability under the Employee Compensation Ordinance
HKD88,000 High coverage in hospitalization & surgical expenses
Personal Accident
Personal Liability
Repatriation Expenses
 
Comprehensive Medical Plan
Employer's Liability under the Employee Compensation Ordinance
HKD88,000 High coverage in hospitalization & surgical expenses
HKD4,000 clinical expenses
Personal Accident
Personal Liability
Repatriation Expenses
 
All Round Medical Plan
Employer's Liability under the Employee Compensation Ordinance
HKD88,000 High coverage in hospitalization & surgical expenses
HKD4,000 clinical expenses
HKD1,500 Dental expenses
Personal Accident
Personal Liability
Repatriation Expenses
 
Refer Friends for Fabulous Rewards!
MGM
Maximum HKD5,000 fidelity protection for both referrer & referee upon issuance of both polices!
The more friends you refer, the more rewards will be granted!
IMPORTANT INFORMATION & DOCUMENTS
Eligibility
Overseas domestic helper who is employed under an Employment Contract as governed by the Immigration Ordinance (Chapter 115).
Age Limit (helper)
18-60 years of age
Period of Insurance
1 or 2 years
Waiting Period
Clinical & Dental : 14 days Hospitalisation: 30 days
Cooling Period
14 days
A full refund of premium paid if the policy is cancelled within the Cooling-off Period.
Excess
HKD1,500 per disability (applicable to Hospitalization claims only)
Cancellation
One (1) month notice in writing is required: No premium refund for 1-year policy upon cancellation; For 2- years policy, HKD150 administration fee will be charged, and cancellation is only applicable to the second year of coverage.
NOTICE:
  1. This domestic helper insurance plan is only eligible for domestic helper who has not ever been declined by insurance company for coverage or accept by imposing special terms and/or additional premium.
  2. This domestic helper insurance plan is only eligible for domestic helper who was healthy and does not require any treatment or doctor consultation at the time of application.
  3. Welcome discount of this domestic helper insurance plan is only eligible for employer who has not been insuring with California Insurance.
  4. Helper's scope of working shall not include driving or any vehicle.
The information displayed on the website is for reference only and is used to indicate the main features of the insurance plan. For product details and risks, please refer to the product overview. For details of terms and conditions and policy exclusions, please refer to the policy terms.
For any enquiries, please email to da@california.com.hk.
Frequently Asked Questions
Does local helper eligible for this insurance plan?
Answer: No.
Can I make a claim if my helper got injury in her home country?
Answer: No. The geographical area of this policy is limited to the Hong Kong Special Administrative Region only.
What should I do if I change my helper?
Answer: No. The geographical area of this policy is limited to the Hong Kong Special Administrative Region only.
How many days of coverage will be reserved if I click “Reserve”?
Answer: 365 days
How can I check my claim status after submission?
Answer: Please check the status in our app.
Scroll to Top