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.

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.

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.

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.

Every year in Hong Kong, there are typhoons, and there may even be Typhoon Signal No. 8 or above, granting everyone a day off. What if Typhoon Signal No. 8 coincides with the rest day of your foreign domestic helper (FDH)? Additionally, when exactly does the insurance coverage for FDHs commence?

There was news about a child accompanied by family members accidentally knocked over a valuable figure worth tens of thousands of dollars while browsing a toy store. The figure immediately fell and was damaged. As a result, the store staff claimed that the child had kicked it and demanded compensation. The parents promptly accepted responsibility and provided compensation. However, later it was discovered through online videos that the facts were not as stated by the staff, leading to a controversy. If we change the scenario to a foreign domestic worker employed by you instead of the child, as the employer, would you be responsible for the actions of the domestic worker?

With the development of Internet, there has been a trend in recent years of hiring foreign domestic helpers (FDH) directly by the employer rather than employment agency. Based on the Immigration Department's Standard Employment Contract and Terms of Employment for Helpers (“Standard Employment Contract”), employers have a legal responsibility for the medical expenses and certain legal liabilities of the FDH during the contract period. As a result, a variety of FDH insurance products have emerged in the market. We would like to share the basic knowledge of these products to help you have a better picture about FDH insurance.