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domestic helper insurance

In Hong Kong, hiring a domestic helper is a common practice to support busy households. However, it's also your responsibility as an employer to ensure your helper is adequately protected. Domestic helper insurance is not just a legal requirement—it provides essential coverage for medical expenses, liability protection, and accidental injuries, ensuring both you and your helper are safeguarded in unexpected situations.

At Navigator Insurance Brokers, we’ve been a trusted insurance broker since 1991, helping thousands of employers find the most suitable insurance plans for their domestic helpers. With over three decades of experience and a team of highly knowledgeable consultants, we’ve handled countless cases and understand the unique needs of every employer and helper.

Our expertise allows us to compare plans from leading providers, ensuring you get the right coverage at the best value. Let us simplify the process and guide you toward peace of mind, knowing your helper is well-protected.


AXA_Logo.svg (1)     AXA SmartHelper

  • 24-Hour Home Assistance Services
  • Ease of Application and Claims
  • Comprehensive Medical Coverage.

allied-world9415.logowik.com   ALLIED WORLD MaidGuard

  • Cashless outpatient visits to panel doctors for general physicians and specialists.
  • Covers family members under 3 years old for injuries caused by the helper.
  • Fully covers general physician consultations and basic medication.

AIG1AIG Domestic Helper Protector 3.0

  • Complimentary Teleconsultation Services.
  • Applicable to domestic helpers aged 18–64.
  • High fidelity protection limit (HK$10,000) and lock replacement coverage.
 

AXA SmartHelper

Allied World MaidGuard

AIG Domestic Helper Protector 3.0

Premium 1 year

$760.75 $893.88 $1,188.00
Premium 2 year $1,351.33 $1,606.58 $2,211.00
Hospitalisation $30,000 $80,000 $80,000
Room and board (per day) $350 $300 $350
Operation (per operation) $ 15,000 $10,000 $20,000
Personal Accident $ 100,000 $150,000 $200,000
Outpatient

$ 4000

(Up to $ 500 for bonesetter )

25 visits

(Panel doctors network ONLY)

$ 5000

(Up to $ 700 for bonesetter and Chinese Doctor)

Per visit

$ 200

($ 100 for bonesetter )

Full Cover

$350

($ 150 for bonesetter )

Dental Emergency Dental Expenses coverage of HK$ 2,500 Dental coverage of up to HK$ 3,000 for the year, limited to dental disease only. reimbursement is 2/3 of expenses for each claim. Emergency Dental coverage of HK$ 3,000 per year, reimbursement is 2/3 of expenses for each claim.
Sub limit $ 200 2/3 of expenses for each claim 2/3 of expenses for each claim
Chinese Doctor $ 4000

$700
Sub limit $ 200

$150
Network Card
Tele consultation with Liscensed Doctor Online
Free medication delivery for tele consultation
Critical Illness Optional Max limit HK$ 70,000
(Age: 18 - 45)
Already Covered under Hospitalisation benefit Not Available
Additional Premium per year HK$ 463 No additional charge NA
Employer's Liability $ 100,000,000 per event $ 100,000,000 per event $ 100,000,000 per event

 

AXA SmartHelper Documents

Brochure

Download

Allied World MaidGuard

Brochure

Download

AIG Domestic Helper Protector 3.0

Brochure

Download

 

 

                                                Who's Navigator

Established in 1991, Navigator is a trusted name in insurance brokers (Company IA License No. FB1034 ), based in Hong Kong. With over three decades of experience, we have successfully assisted 100,000 local residents and expatriates in securing the best insurance solutions. Our commitment is to provide personalised service and expert guidance to ensure our clients' health and financial well-being. At Navigator, we pride ourselves on our deep understanding of the insurance landscape, ensuring that each client receives tailored advice and support. Discover unparalleled service and expertise with Navigator, your partner in navigating health insurance and benefits.

Get Cover Online

Your Consultant

clive

Clive Wolstencroft
 
Direct            +852 2530 2537
Mobile           +45 60 90 52 61
WhatsApp     +852 9833 7335