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| Employer's Liability |
$100,000,000 per event |
 |
Covers the costs and/or expenses you
incurred in indemnifying against your
liability towards your helper should
she suffer from injury or disease during
employment |
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Clinical Expenses |
$4,000 per year |
|
Reimburses clinical treatment
expenses for the helper's sickness or
injury, including treatment by bonesetter
or physiotherapist |
|
| - |
For Clinical Visit: $200 per visit
per day |
| - |
For Bonesetter or Physiotherapist
Treatment: $100 per visit per day, max.
of $500 per each 12-month period |
|
| Surgical and Hospitalization Expenses |
$30,000 per year |
|
Reimburses the hospitalization and
surgical expenses incurred as a result
of the helper's confinement to hospital |
|
| - |
For Room & Board and Hospital Services:
$300 per day |
| - |
For Surgical Operation: $10,000 per
operation |
| - |
For Anaesthesia: 25% of Surgical Operation
Fee |
| - |
Administration for Operating Theatre:
12.5% of Surgical Operation Fee
Maximum payable per year HK$ 30,000. |
|
| Dental Expenses |
$1,500 per year |
|
Pays two-thirds of the expenses for
professional oral surgery, treatment
of abscesses, X-rays, extractions or
fillings as a result of dental disease, two-thirds of expenses will be covered. |
|
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| Personal Accident |
$200,000 per year |
| For
accidents occur during the helper's rest days |
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| Loss of Service Cash Allowance |
$6,000 per year |
|
In the event that the helper is hospitalized,
a daily cash of $200 will be payable
for the loss of service commencing from
the 4th day of the helper's confinement |
|
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| Repatriation Expenses |
$20,000 per year |
|
Pays the expenses incurred in repatriation
of your helper back to her country of
residence or post-mortem treatment and
repatriation of the mortal remains to
the airport nearest to the place of
burial in her country of residence |
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| Replacement Helper Expenses |
$10,000 per year |
|
Due to the repatriation of your helper,
the policy pays you the expenses incurred
for employing a replacement helper |
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| Fidelity Guarantee |
$3,000 per year |
|
Pays the financial loss
of the insured arising from the dishonest
act of the domestic helper |
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A 10-day waiting period from the commencement date of the policy shall be applicable. No benefits will be payable during the waiting period.
| Geographical Limit : |
| 1. |
Except Employer's Liability, all benefits are subject to a geographical limit of Hong Kong only. |
| General Exclusions : |
| 1. |
War and allied perils, acts of terrorism (except Employer's Liability), suicide, pregnancy or childbirth, intoxication by alcohol, narcotics or drugs not prescribed by a legally qualified and registered medical practitioner, pre-existing conditions, AIDS or AIDS-related complex. |
| Specific Exclusions : |
| 1. |
Employer's Liability
Pneumoconiosis, nuclear energy and radiation, and any late-payment
surcharge that the Insured may become liable under legislation.
|
| 2. |
Clinical Expenses, Surgical and Hospitalization Expenses and loss of Service Cash Allowance
Nervous or mental disease, venereal disease, congenital anomalies,
or deformities, infertility, sterilization, heart disease, cancer,
rest cure, physical check-ups and cosmetic or plastic surgery
unless to correct an injury covered under this plan.
|
| 3. |
Dental Expenses
Routine examination, scaling, polishing or cleaning, crowning,
bridges, braces and dentures.
|
| 4. |
Personal Accident Benefits
Driving or riding in any kind of race, and underwater activities
involving use of breathing apparatus.
|
| 5. |
Repatriation Expenses
Any repatriation or transportation of mortal remains originating
outside of Hong Kong
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| The above is not a contract of insurance and is intended only as a general summary of the terms of insurance. The specific details, terms and conditions applicable to this insurance are set out in the Domestic Helper Insurance Policy to be issued by QBE Hongkong & Shanghai Insurance Limited. |
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