Provide basic plan and comprehensive plan
Applicable to overseas domestic helper or local full-time / part-time domestic helper
Optional Critical Illness Medical Top-up coverage, covering the medical expenses of extra 40 named critical illnesses
Compensate you up to 100% of your domestic helper's earnings for the first 12 months if he/she is disabled temporarily
Cover out-patient clinical expenses up to HK$210 per visit per day and hospital expenses & surgical fees at hospital and day care clinic
Compensate a lump sum subsidy to hire additional help if she is unable to work due to pregnancy
A daily benefit to you if your overseas domestic helper/post-natal carer needs to be hospitalized and causes interruption of service
Plan / coverage | Applicable for |
|---|---|
Basic plan |
|
Comprehensive plan | Overseas domestic helper |
Top-up option for critical illness benefit | Overseas domestic helper |
Post-natal Carer plan | Local post-natal carer |
PRUChoice Maid is underwritten by Prudential General Insurance Hong Kong Limited (“Prudential”).
This document does not contain the full terms and conditions of this plan and is for reference only. It does not represent a contract between Prudential and anyone else. For further details, including the full terms and conditions of this plan, please ask Prudential for a sample of the policy document. In the event of any inconsistency between Chinese and English versions of all terms and conditions, the English version shall prevail.
The features and premium mentioned above are only applicable to new application on or after 10 December 2021.
"The Applicant" - must be aged 18 or over, plan to own this policy, and will be responsible for all related premium costs. Only employer of the Insured Domestic Helper can be the applicant for PRUChoice Maid Insurance. Domestic Helper / Post-natal Carer agency or company is not acceptable.
Post-natal carers are eligible for Post-natal Carer Plan and they mainly perform newborn baby care and/ or post-natal mother care for applicant. Both local and overseas domestic helpers are eligible for Basic Plan - Employees' Compensation section. But the comprehensive cover section is provided to overseas domestic helpers only because:
• benefits like Repatriation Expenses and Re-hiring Expenses are not applicable to local domestic helpers;
• Since Personal Accident section covers accidental bodily injury during rest days only, local domestic helper presents a different risk exposure in this aspect;
• unlike overseas domestic helpers, no medical check has ever been conducted for local domestic helpers.
We have defined 'Domestic Helper' as a person employed by the Insured on a full-time basis for domestic purpose at the Insured's address. Therefore, part-time overseas domestic helpers are not covered under our policy. In fact, such an employment is illegal under the law of Hong Kong.
You can insure your overseas domestic helper with driving duty with a 25% premium loading, given his/her driving duty is stated in the employment contract. For overseas domestic helper with driving duty, you have the responsibility to declare his/her driving duty during application and it has to be accepted by Prudential in order for your helper to be fully covered under the policy.
In any event, no refund of premium is allowed in the event of cancellation of 1 month or 3 months option of Basic Plan or Post-natal Carer Plan. For other plan options, in the event of termination or adjustment of the policy during the period of insurance, you are still subject to a minimum premium per policy at HK$300.
In the event of any duties (including driving) not being explicitly stated in the insured domestic helper’s employment contract , any claims related to such duty will be declined even if the applicant declared such duty of the insured domestic helper in the application and paid the premium loading (if any), and such premium loading will not be refunded.
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