HelperJoy FAQ

Full-time/ part-time local domestic helpers can apply for Basic Plan.

Full-time overseas domestic helpers can apply for either Comprehensive Plan or Superior Plan.

Each “HelperJoy” Insurance Policy covers one Insured Helper only.

During the Period of Insurance, same benefits shall be payable for any new Insured Helper replacing an existing Insured Helper named in the Schedule less any amount already paid in respect of loss or damage sustained by the existing Insured Helper. To change of Insured Helper, new application is not required, you may replace the existing helper’s information by notify us in writing. In case there will be handover time for more than 30 days, we may issue an endorsement to cover this period for two helpers, subject to an additional premium.

No. We can only update the policy information upon receiving the notice from the Policyholder about the new domestic helper. We cannot amend the effective date to an earlier date.

Yes. Your domestic helper will be protected against Personal Accident compensation in case of death or permanent disability within 12 months after the injury.

It is a 15-day waiting period from the policy effective date for each Insured Helper. No benefits shall be payable under out-patient benefit, hospitalisation and surgical benefit, dental benefit and service interruption allowance sections during the Waiting Period.

No. The geographical area of this policy is limited to the Hong Kong Special Administrative Region only.

Not necessary but the domestic helper must be employed by you during the policy effective period.