Innovation for Wellbeing

Home» Personal Insurance» HelperJoy


Nowadays, domestic helpers play an essential role in many families in Hong Kong. They help to look after the elderly and children, and take care of the housework, enabling us to focus on our work and enjoy quality time with our loved ones. HelperJoy Insurance is not only designed to enable you to fulfill the minimum legal obligations as a responsible employer, it also provides extra protection to both of your family and domestic helper. Three customized plans are available to suit your needs by offering you flexibility and choice.


Product Features 1
Cover for employer's statutory liability under the Employees' Compensation Ordinance (Cap.282)
Product Features 2
Fidelity guarantee to compensate your financial loss resulting from fraudulent or dishonest acts of your domestic helper
Product Features 3
Cash allowance for the loss of service interruption due to hospitalisation of your domestic helper
Product Features 4
Cover the repatriation expenses due to the death of your domestic helper and the subsequent expenses for recruitment of a replacement helper
Product Features 5
Enhanced to cover medical expenses for bodily injury of your child resulting from the domestic helper’s intentional act
Product Features 6
All-in-one medical protection ranging from outpatient, hospitalisation, surgical to dental expenses
Product Features 7
Cover for third party legal liability arising from your domestic helper's negligence

Important Notes

  1. The policyholder must be 18 years of age or above, and be the lawful employer of the insured domestic helper stated in the employment contract.
  2. The Basic Plan is suitable for full-time or part-time local domestic helpers.
  3. The Comprehensive Plan and Superior Plan are suitable for full-time overseas domestic helpers.
  4. This insurance is available to domestic helpers aged 18 to 65 at the time of policy commencement.
  5. Coverage provided by this insurance applies to insured accidents occurring within the Hong Kong Special Administrative Region only.
  6. This insurance will take effect only upon receipt of premium by the Company.


Frequently Asked Questions

Ask us

For more details, please contact your insurance intermediaries or email at

Claims Flow