In today’s busy life, it is common to have a domestic helper at home and take a load off your mind. Whether the family hires an overseas domestic helper or local full-time/ part-time domestic helper, Prudential General Insurance Hong Kong Limited ("Prudential") is pleased to offer you PRUchoice Maid Insurance, a comprehensive domestic helper insurance plan which allows you to meet the legal obligation as an employer and to provide an extra protection to your family and domestic helper. PRUchoice Maid Insurance also gives you an optional choice of Critical Illness Medical Top-Up Benefit to provide an additional medical protection against the critical illnesses* incurred by your overseas domestic helper.
* 40 specified critical illnesses are covered under the Critical Illness Medical Top-Up Benefit. (Applicable on or after 17 July, 2018)
This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.
Note: The details listed are for reference only and does not constitute any contract or any part thereof between Prudential General Insurance Hong Kong Limited and any other parties. Regarding other details and the terms and conditions of this insurance, please refer to the policy document. Prudential General Insurance Hong Kong Limited will be happy to provide a specimen of the policy document upon your request.
A waiting period of 15 days from the effective date of the policy is applicable to Hospital Cash Subsidy, Clinical Benefits, Hospitalization and Surgical Benefits, Dental Expenses and Critical Illness Medical Top-Up Benefit (unless the critical illness is solely and directly caused by an accident and has arisen within 90 days of such incident). However, the waiting period of above mentioned benefits can be waived at Prudential’s discretion, if, at the time of claim, you can provide a proof in the form of your previous original policy substantiating that the same domestic helper was covered under similar benefit(s) right before the effective date of this policy.
A waiting period of 12 months from the effective date of the policy is applicable to Additional Hiring Allowance for Domestic Helper’s Maternity in respect of the date of conception of the overseas domestic helper. In all circumstances, waiting period of Additional Hiring Allowance for Domestic Helper’s Maternity will not be waived.
In the event of new replacement and/or additional overseas domestic helper during the period of insurance, waiting period for all benefits mentioned above will be counted afresh from the effective date of subsequent endorsement accepted and issued by Prudential as if a new policy had been taken out.
The corresponding levy rate (based on premium payable) and cap per policy per policy year for insurance policies with effective date falling in the period from 1 January 2018 till 31 March 2019 (both dates inclusive) are 0.04% and HK$2,000; from 1 April 2019 till 31 March 2020 (both dates inclusive) are 0.06% and HK$3,000; from 1 April 2020 till 31 March 2021 (both dates inclusive) are 0.085% and HK$4,250; and from 1 April 2021 onwards (date inclusive) are 0.1% and HK$5,000. For details of levy information, please visit www.prudential.com.hk/levy.
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