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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 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 |
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.
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