Sompo Hong Kong : Helperjoy Coverage Premium

Plan	Basic	Comprehensive	Superior
Eligibility	Full-time or Part-time Local Domestic Helpers	Full-time Overseas Domestic Helpers
Benefits	Maximum Limit (HK$)

Employees' Compensation

	Limit per accident or disease	100,000,000	100,000,000	100,000,000
Protect you, as the employer, against liability under the Employees' Compensation Ordinance if the Insured Helper sustains bodily injury by accident or disease arising out of and in the course of employment

Out-patient Benefit

	Aggregate limit per year	N/A	3,500	4,000
(a) Medical consultation (including prescription of medicines and drugs) provided by registered medical practitioner	Limit per year	N/A	3,000	3,000
	Limit per day	N/A	150	250
(b) Bonesetting, physiotherapy or chiropractic treatment provided by registered Chinese medical practitioner, physiotherapist or chiropractor	Limit per year	N/A	500	1,000
	Limit Per day	N/A	100	150

Hospitalisation and Surgical Benefit

	Aggregate limit per year	N/A	20,000	25,000
(a) Room and Board (including miscellaneous hospital charges)	Limit per day	N/A	300	350
(b) Surgical Expenses	Limit per disability	N/A	12,000	15,000
(c) Anaesthetist's Fee		N/A	3,000 or 25% of surgical expenses	3,800 or 25% of surgical expenses
(d) Operating Theatre Fee		N/A	1,800 or 15% of surgical expenses	2,300 or 15% of surgical expenses

Dental Benefit

	Aggregate limit per year	N/A	1,500	1,500
Cover expenses on oral surgery, treatment of abscesses, X-rays, extractions or fillings provided by registered dentist for the Insured Helper as a result of dental disease	Limit per day	N/A	2/3 of dental expenses	2/3 of dental expenses

Service Interruption Allowance

	Aggregate limit per year	N/A	4,000	6,000
Loss of service due to hospitalisation of the Insured Helper for medical treatment	Limit per day	N/A	200	300

Replacement Helper Expense

	Aggregate limit per year	N/A	4,000	6,000
Extra employment agency fee and other replacement expenses due to the death or repatriation of the Insured Helper as a result of serious injury, illness or death

Repatriation Expense

	Aggregate limit per year	N/A	20,000	20,000
Repatriation of the Insured Helper if certified as medically unfit to complete the contract , or in the event of death

Personal Accident

	N/A	100,000	150,000
Accidental death or permanent total disablement of the Insured Helper resulting from injury during rest days in Hong Kong
(a) Death	N/A	100%	100%
(b) Permanent Total Disablement	N/A	100%	100%
(c) Permanent Total Loss of Sight of one or both eyes	N/A	100%	100%
(d) Loss of or Permanent Total Loss of Use of one or two Limbs	N/A	100%	100%
(e) Permanent Total Loss of Speech and Hearing	N/A	100%	100%
(f) Permanent Total Loss of Hearing in
- both ears	N/A	75%	75%
- one ear	N/A	15%	15%
(g) Permanent Total Loss of Speech	N/A	50%	50%

Personal Liability

	Limit per accident / Aggregate limit per year	N/A	100,000	200,000
Cover the Insured Helper's legal liability towards third parties for their bodily injury or property damage caused by his/her negligence

Fidelity Guarantee

	Aggregate limit per year	N/A	3,000	6,000
Cover the financial loss from any fraudulent or dishonest act committed by the Insured Helper

Medical Expenses Cover for Abuse of Child

	Aggregate limit per year	N/A	N/A	5,000
Cover medical expenses for bodily injury (with evidence of police report and medical report) to your child under the age of 3 caused by the Insured helper’s intentional act

Waiting Period

Waiting Period
- Each Insured Helper will be subject to a 15-day waiting period - Waiting Period applicable to Out-patient Benefit, Hospitalisation and Surgical Benefit, Dental Benefit and Service Interruption Allowance - All relevant claims occurring during the waiting period shall not be payable

Excess

Excess
Hospital and Surgical Benefit	Each and every claim	N/A	500	500
Personal Liability	Each and every claim	N/A	500	500

HelperJoy Insurance Coverage