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Q:
Details of maid insurance please
A:
Obtaining Employee’s Compensation Insurance coverage is a legal obligation for any employer under Hong Kong law. This
includes employers who have domestic help workers in their home.
All Hong Kong maid insurance products will have Employee’s Compensation coverage as the core benefit within
the policy. This benefit will cover your liability against any accidents or
illnesses the helper may suffer as part of their normal job duties. For
example, this protection could be activated should your domestic helper accidentally
burn herself whilst cooking dinner, or if she were to slip and fall whilst
mopping a wet floor.
EC insurance is designed to
provide compensation to your helper in these situations, whilst indemnifying
you from your liability under Hong Kong law.
However, it is important to note
that as an employer of a domestic helper you are also contractually obligated
to cover the medical expenses of your maid outside of an Employee’s
Compensation claim situation. Should your helper fall sick from a seasonal
virus, for example, and need to visit a General Practitioner, you are legally
obligated to cover the cost of the consultation as well as any medication which
she may require.
As such, many Domestic Helper
Insurance products will allow you to add specific medical insurance coverage to
ensure that both you and your maid are properly protected against
run-of-the-mill illnesses. In fact, some insurance companies are actually
offering direct settlement networks in relation to the medical insurance coverage
they offer under domestic helper insurance options – your maid will receive an
insurance card and will be allowed to receive treatment at any of the panel
doctors offered by the insurer under the plan, without your needing to submit
any claims paperwork.
Maid Insurance options from CCW
Global can offer a range of additional coverage benefits including:
All of these coverage options
will enable you to find a plan which perfectly suits your needs, and the needs
of your domestic helper.
Furthermore, Domestic Helper
insurance can be obtained on either a 1 year or 2 year basis – this allows you
to choose a plan which runs concurrently with your helper’s contract, so you
only ever need to renew the insurance when you renew the maid’s employment
contract. This keeps paperwork to a minimum and enables an employer to address
all contractual obligations at the same time.
For more information about Maid
Insurance Options in Hong Kong, or if you would like to receive a free Maid
Insurance Quote, please contact us today.
Answered on: 19 April, 2017 16:44
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