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 7 August, 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.

Special 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.

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.

Insurance Cover at a Glance

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.

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 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 Domestic Helper’s Maternity Benefit in respect of the date of conception of the overseas domestic helper. In all circumstances, waiting period of Domestic Helper’s Maternity Benefit 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.

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.

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.

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.

Important Note
  1. This insurance is only applicable to domestic helper who is aged 18-65 and performs household work for you.
  2. Basic Plan is applicable to both local (full time/part time) and overseas domestic helper. 1 month and 3 months options of Basic Plan are only applicable to local domestic helper (full time/part time).
  3. Comprehensive Plan is only applicable to overseas domestic helper.
  4. Critical Illness Medical Top-Up Benefit is only applicable to overseas domestic helper who is being covered by Comprehensive Plan or currently insuring with other domestic helper insurance of other insurer which provides hospitalization and surgical benefits or the like, and she/he did not have a history of contracting any of 40 critical illnesses as listed in the Critical Illness Medical Top-Up Benefit, and she/he did not ever, does not currently and/or has foreseeable needs to receive medical treatment or medication for the covered critical illnesses upon the application.
  5. 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 any event, no refund of premium is allowed in the event of cancellation of 1 month or 3 months option of Basic Plan.
  6. For the application of post-natal care helper or overseas domestic helper who is required to perform other duties (e.g. as your driver or gardener), please contact Prudential for underwriting.

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.

Premium Table

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.

Product FAQ
Q: Who underwrites this product?
A: This product is underwritten by Prudential General Insurance Hong Kong Limited.

Q: Who is The "Applicant"?
A: "The Applicant" - must be the employer of the domestic helper to be insured and aged 18 or above. In the event of application for overseas domestic helper, the applicant must be the employer stated in the employment contract.

Q:  Which types of domestic helpers are eligible for the Basic Plan (Employees' Compensation)?
A:  These domestic helpers are eligible for the Basic Plan (Employees' Compensation):

  • Full time/ part time local domestic helper
  • Overseas domestic helper
Q:  Which type of domestic helpers is eligible for the Comprehensive Plan or Critical Illness Medical Top-Up Benefit?
A:  Overseas domestic helper.

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.

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 the cover the applicant requires, or perhaps may invalidate the Policy altogether.
  2. A specimen copy of the Policy and a copy of your completed Application 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 and applicant must be the Employer of the domestic helper.
  5. Any bodily injury or sickness which exists prior to the effective date of the policy will not be covered under the Policy.
  6. 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 Domestic Helper’s Maternity Benefit in respect of the date of conception of the overseas domestic helper. In all circumstances, waiting period of Domestic Helper’s Maternity Benefit 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 PGHK as if a new policy had been taken out.
  7. This product is underwritten by PGHK. The copyrights of the contents of this document are owned by PGHK.
  8. 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.
  9. Collection of Levy by the Insurance Authority ("IA") - From 1 January 2018 onwards, a levy on insurance premiums for insurance policies will be payable to IA by policy holders. IA will collect the levy from policy holders through insurance companies. The amount of the levy may be subject to change depending on the applicable levy rate, which shall be determined by when the first premium is due which is the date when the policy becomes effective. Policy holder shall commit an offence and be liable to a pecuniary penalty not exceeding HK$5,000 for failure to timely pay the levy. Levy must be paid when the premium is paid. To avoid any doubt, you must pay us the premium and levy once policy is effective. In this connection, notwithstanding anything contained in this form, policy provision or any other agreements between us, you agree us with the following assistance as may be necessary to enable us to collect any outstanding levy payable to IA in respect of the policy applied under this application form to the extent applicable and relevant, subject to the terms hereof:   

    • you agree the prepayment of levy on prepaid premiums if you pre-pay any premium.

    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.

    All the premiums listed in this application form exclude levy.

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.