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 a full-time/part-time local domestic helper, we offer our PRUchoice Maid, a comprehensive domestic helper insurance plan which allows the family to meet the legal obligation as an employer and to provide an extra insurance protection to the domestic helper. PRUchoice Maid also gives the family a choice of insuring with an Optional Critical Illness Medical Top-Up Benefit to provide additional medical protection when the domestic helper has contracted critical illness.

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.

The features and premium mentioned below are only applicable to new application on or after 13 July, 2015.

 

Features






This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Advantages
  1. You will be covered under Comprehensive Plan if your overseas domestic helper suffers from critical illness such as Cancer and Heart Disease. If you need higher protection for critical illnesses, you can additionally insure with Optional Critical Illness Medical Top-Up Benefit.
  2. The Section of Hospitalization and Surgical Benefits is excess-free.
  3. We pay for clinical expenses up to HK$210 per visit, and HK$4,000 per year.
  4. Costs of replacing external door lock and metal gate lock are payable if there is a valid claim under the Section of Fidelity Protection.
  5. You will be indemnified if any of your household appliances or furniture is damaged by your domestic helper accidentally.
  6. We pay you 100% of the monthly earnings of your domestic helper for his/her first 12 months' temporary incapacity under the Section of Employees' Compensation.
  7. You can either extend coverage period or protect your local domestic helper during the transition period before you hire a new one under the section of Re-hiring Transition Period Protection.
  8. The section of Employees' Compensation is applicable to full time/part time local domestic helper, and full time overseas domestic helper.
  9. If you change your overseas domestic helper, coverage can be transferred to the new domestic helper (notification to our company is required).
  10. Apply PRUchoice Home at the same time to enjoy 10% first year premium discount.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Main Exclusions

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Premium
For 1 month
(per person)*
For 3 months
(per person)*
For 1 year
(per person)#
For 2 years
(per person)#

A. Basic Plan

HK$120 HK$280 HK$300 HK$550

B. Comprehensive Plan 

(Applicable For Overseas Domestic Helpers)

Not Applicable Not Applicable HK$730 HK$1,320
Optional Critical Illness Medical Top-up Benefit

HK$535
Total premium (Comprehensive Plan and Optional Critical Illness Medical Top-Up Benefit) = HK$1,265

HK$963
Total premium (Comprehensive Plan and Optional Critical Illness Medical Top-Up Benefit) = HK$2,283

Remarks:
* Applicable for Full time / Part time Local Domestic Helpers and Post-Natal Care Helpers
# Applicable for Full time / Part time Local Domestic Helper, Post-Natal Care Helpers and Full time Overseas Domestic Helpers

Note:

  1. The minimum premium per policy is HK$300 per person. In the event of termination or adjustment of the policy for the 1 month’s or 3 months’ Basic Plans during policy period, no refund of premium is allowed.
  2. If there are more than one domestic helper to be insured, the selected coverage will apply to all the insured domestic helpers respectively.
  3. The above premium has included the employees' Compensation Insurance Levy.
  4. The Optional Critical Illness Medical Top-up Benefit is only applicable to the overseas domestic helper(s) insured under Comprehensive Plan.
  5. This document is intended to be distributed in Hong Kong and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside of Hong Kong. Prudential Hong Kong Limited, Hong Kong Branch does not offer or sell any insurance product in any jurisdictions outside of Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Remarks
  • Waiting Period
    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 Optional Critical Illness Medical Top-Up Benefit (unless the critical Illness is solely caused by and has arisen within 90 days of an accident). However, the waiting period can be waived at Prudential's discretion, if, at the time of claim, the Insured can provide a proof in the form of the insured's previous original policy substantiating that the same domestic helper was covered under similar Sections right before the effective date of this Policy.
  • An excess of HK$250 is required for each and every loss under the Section of Household Property only.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Product FAQ
Q:  What is the difference between the cover for local domestic helpers and overseas domestic helpers?
A:  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:
a)  benefits like Repatriation Expenses and Re-hiring Expenses are not applicable to local domestic helpers;
b)  Personal Accident section covers accidental bodily injury during rest days only, and local amah presents a different risk exposure in this aspect;
c)
 
unlike overseas domestic helpers, no medical check has ever been conducted for local domestic helpers.

Q:  Are part-time overseas domestic helpers covered in this plan as well ?
A:  We have defined 'Domestic Helper' as a person employed by the Applicant on a full-time or part-time basis for domestic purpose or as a gardener at the Applicant'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.

Q:  When the domestic helper is hospitalized, is it necessary for the Applicant to hire a temporary domestic helper in order to entitle to the Hospital Cash Subsidy?
A:  Not necessary. As mentioned in the policy, we pay the subsidy if the domestic helper is hospitalised as an in-patient for treatment or surgery and a valid claim is payable under the Hospitalisation Section. In case the Applicant does not hire a temporary domestic helper, the subsidy is deemed to compensate the Applicant for giving up his/her leisure time to pick up the duties originally performed by the domestic helper.

Q:  How can a claim be eligible under Fidelity Protection?
A:  To report an eligible claim, the Applicant must report the case to the police within 24 hours after discovery of the fraud or dishonest act. When submitting the claim, the Applicant should furnish a copy of the police statement and other relevant documents, such as telephone bill, in case of unauthorised telephone calls.

Q:  Can the Applicant claim under Repatriation Expenses or Rehiring Expenses if he/she repatriates the domestic helper because of his/her unsatisfactory performance?
A:  No. The Applicant is covered only if the repatriation is carried out due to the domestic helper's death, or being certified to be medically unfit for the job.

Q:  Why should your domestic helper insure “Optional Critical Illness Medical Top-Up Benefit”?
A:  As a caring employer, ensuring your domestic helper is in good health would be an important priority in your household. If your domestic helper was hospitalized due to critical illness, the actual medical expenses incurred may exceed your expectation and the standard cover may not be able to fully cover the medical expenses of your domestic helper. Therefore, insuring your domestic helper with the “Optional Critical Illness Medical Top-up Benefit” would be the best way to minimize your financial burdens.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.

Important Notes to Applicant
  1. Disclosure – The applicant is requested to disclose all facts known to the applicant which are likely to affect acceptance or assessment of the insurance cover the applicant is applying for. Should the applicant have any doubts about what should be disclosed, please feel free to contact us or your financial consultant/broker. The applicant is recommended to keep a record (including copies of letters) of any additional information given for the applicant’s future reference. Failure to disclose may mean that the Policy will not provide with the cover the applicant require, or perhaps may invalidate the Policy altogether.
  2. A specimen copy of the Policy and a copy of your completed Applicant Form will be supplied on request.
  3. All benefits and exclusions are only briefly outlined here. For further details, please refer to the Policy.
  4. The application form must be signed by a person who has attained age 18 or above.
  5. Any bodily injury or sickness which exists prior to the effective date of the policy will not be covered under the policy.

This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The copyrights of the contents of this webpage are owned by PGHK.

This document is for Hong Kong distribution only. It is not an offer to sell or solicitation to buy or provision of any insurance product outside Hong Kong. PGHK does not offer or sell any insurance product in any jurisdictions outside Hong Kong in which such offering or sale of the insurance product is illegal under the laws of such jurisdictions.