Helper Insurance

CMB Wing Lung "Helper Insurance" provides three different insurance plans to cater your needs.

Apply Domestic Helper Insurance via CMB Wing Lung Bank Mobile App (Must Logon) to enjoy 35% premium discount. For CMB Wing Lung Bank Mobile App details, please click HERE.

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No excess on all benefits.
Local domestic helper and Part-time domestic helper also can be insured.
Employer’s Liability are covered up to HK$100,000,000
Personal Accident Benefits are covered up to HK$200,000
Temporary Helper Allowance due to engagement of service of a temporary helper from the 4^th day of the Insured Helper's continuous confinement in a hospital.
Dental Expenses is covered.

Plan A - Section 1 only : Employees’ Compensation
Plan B - Section 1 - 9
Plan C - Section 1 to 10

Section of Benefits		Maximum Limit(HK$)
1.	Employees’ Compensation
	Protection against the Insured's legal liability under the Employees' Compensation Ordinance and Common Law.	$100,000,000 per event
2.	Clinical Expenses
	Reimbursement of clinical expenses incurred due to sickness or bodily injury sustained by the Insured Helper for treatment received from a Registered Medical Practitioner up to:	$300 per visit per day
	Registered Physiotherapist treatment expenses followed by the first medical treatment was received from a Registered Medical Practitioner, and / or Registered Chinese Medicine Practitioner treatment expenses up to:	$100 per visit per day / $500 per year
	Total maximum amount payable per year under this Section	3,000
3.	Hospitalization and Surgical Expenses
	Reimbursement of surgical and hospitalization expenses incurred by the Domestic Helper due to sickness or accident up to
	Room, board &other miscellaneous hospital charges	$300 per day
	Surgical benefit per disability	$10,000
	Anaesthesia and its administration benefit per disability	25% of payable surgical benefit but not exceeding $2,500
	Operating theatre benefit per disability	12.5% of payable surgical benefit but not exceeding $1,250
	Total maximum amount payable per year under this Section	$20,000
	(Hospital means a hospital providing 24 hours service by qualified and registered medical practitioner for the care and treatment of sickness and injured person and is not primarily a clinic, a place for custodial care, alcoholics or drug addicts, a nursing, rest or convalescent home or home for the aged.)
4.	Temporary Helper Allowance
	Cash allowances for loss of services commencing from the 4^th day of insured Domestic Helper's confinement in a hospital.	$200 per day / $6,000 per year
5.	Dental Expenses
	Reimbursement of two-thirds of the dental expenses incurred by the Domestic Helper up to	$1,500 per year
6.	Personal Accident Benefits
	Death or Permanent Disablement resulting from accidental injury occurring in Hong Kong during the rest days of the Domestic Helper
	Accidental Death or Permanent Total Disablement	200,000
	Loss of two or more limbs	200,000
	Loss of sight of both eyes	200,000
	Loss of one limb and sight of one eye	200,000
	Loss of one limb or sight of one eye	100,000
	(Loss of limb shall mean physical severance of a hand or foot at or above the wrist or ankle or of an arm or leg at or above elbow or knee. Loss of sight shall mean total and irrecoverable loss of all sight.)
7.	Repatriation Expenses
	Reimbursement of expenses incurred in repatriating: (a) the Insured Helper in the event of serious sickness or serious bodily injury; (b) the mortal remains in the case of death back to his / her country of residence	$20,000 per year
8.	Replacement Helper Expenses
	Extra expenses reasonably and necessarily incurred for employing a new helper in the event the insured Domestic Helper is repatriated due to serious injury, illness or death. (A valid claim must be payable under Section 7 "Repatriation Expenses")	$3,000 per year

Premium Table	Insurance Period - 1 year	Insurance Period - 2 year
Plan A - Section 1 only	HK$400	HK$720
Plan B - Section 1 - 9 (Applicable to foreign domestic helper only)	HK$800	HK$1,440
Plan C - Section 1 - 10 (Applicable to foreign domestic helper only)	HK$1,100	HK$1,940

Waiting Period

A 15-day waiting period from the effective date of the Insured Helper’s insurance shall be applicable to Sections 2, 3, 4, 5 and 10 of the Schedule of Benefits. No benefits shall be payable under these Sections during the waiting period.

Major Exclusions

Declared or undeclared war, invasion or civil war;
Any act of terrorism (Not applicable to Section 1 – Employees’ Compensation);
Intentional self-inflicted injury or suicide or any attempt whether sane or insane;
Childbirth, pregnancy, miscarriage, abortion and / or associated complications;
Intoxication by alcohol, narcotics or drugs not prescribed by a Registered Medical Practitioner and treatment in connection with addiction to drugs or alcohol;
Acquired Immune Deficiency Syndrome (“AIDS”) or AIDS related complex (“ARC”);
Any injury, sickness, accident or event which occurred outside Hong Kong and / or any expenses incurred and / or treatment received outside Hong Kong;
Any pre-existing sickness, illness, injury or medical condition;
Nervous or mental disease or disorder, venereal disease, congenital anomalies and deformities, infertility or sterilization;
Vaccinations, immunization or preventive medication;
Rest cure or general physical check-up;
Routine dental examination, scaling, polishing or cleaning, bridges, crowns, braces or dentures, dental prosthetics (including precious alloy restorations);
Winter sports, underwater activities requiring breathing apparatus, climbing or mountaineering requiring rope or guide, motor cycling (or traveling on motorcycle), racing of any kind, etc.;
Any Insured Helper who is not aged between 18 and 60 on the effective date or is aged above 65 on subsequent insurance renewal.

Please refer to the Policy for detailed exclusions.

Waiting Period

Each Domestic Helper with a 15-day waiting period from the inception date of the policy shall be applicable to Clinical Expense, Hospitalization and Surgical Expenses, Temporary Helper Insurance, Dental Expenses and Additional Major Illness Medical Coverage. Schedule of Benefits. No benefits shall be payable under these Sections during the waiting period.
Age limit for domestic helper in Plan A, B and C is restricted from 18 to 60.
Only foreign domestic helper can be insured under Plan B and C.
The minimum and non-refundable premium of each policy is HK$400.
This policy cannot be assignable.
This leaflet is simply a general summary for your reference and information only. For details, please refer to the insurance policy.
Useful Links
FAQs of Foreign Domestic Helpers(Immigration Department)
FAQs of Foreign Domestic Helpers(Labor Department)
Note for employment of foreign domestic helpers (FDHs) in Hong Kong
Employees Retraining Board

Remarks: The information above provides a brief introduction only. Please refer to the insurance policy for Terms and Conditions and other specific details. In the event of any discrepancy or inconsistency between the English version and the Chinese version of this Terms and Conditions, the English version shall prevail.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly CMB Wing Lung Insurance and the customer.