Is it compulsory to have helper insurance in Hong Kong?

Is it compulsory to have helper insurance in Hong Kong?

As an employer, it is your responsibility to secure compensation insurance for your workforce to address any potential liabilities arising from workplace injuries to your assistants. This obligation stems from the provisions outlined in the Employees' Compensation Ordinance, and foreign domestic helpers are equally eligible for the same advantages and safeguards stipulated in the Employment Ordinance.

What are the consequences of extending your stay beyond the permitted period in Hong Kong?

Staying beyond the permitted period constitutes a criminal act. The Immigration Department takes such violations very seriously. The harshest punishment for being convicted of overstaying can reach a fine of HK$50,000 along with a jail sentence of 2 years.

What is the salary range for household assistants in Hong Kong in the year 2024?

On Friday, officials revealed that the minimum pay for the 356,000 foreign domestic workers in the city had risen from HK$4,870 to HK$4,990, with no adjustments made to the food allowance. This updated rate will be applicable to all agreements executed on or subsequent to September 27, 2024.

What is the cost of assistant insurance in Hong Kong?

Optimal Household Assistant Insurance Coverage
Insurance Premiums for Household Assistants (starting from)
MSIG HelperSurance Version 4.0 at HK$525
Generali's Insurance Plan for Domestic Helpers priced at HK$450
Zurich's Helpersafe Insurance Scheme for Domestic Helpers available at HK$946

What is the typical working hour requirement for a household assistant in Hong Kong?

Although there isn't a fixed schedule for assistants in terms of working hours, it is stipulated that they must have one rest day out of seven, most commonly observed on Sundays. This rest day must consist of a continuous 24-hour period of leisure. Regarding the typical daily working hours, it is your responsibility to ensure sufficient time for rest and leisure activities, similar to what you allocate for yourself from your professional duties. domestic helper insurance hong kong

Who bears the responsibility for the compensation?

In general, an insurance agreement stipulates that the indemnifying party, commonly referred to as the insurer, undertakes to reimburse the opposing entity (either the insured individual or the indemnified party) for any incurred damages or losses, contingent upon the receipt of premiums from the insured.

Which nation offers the utmost compensation for a household assistant?

According to a study conducted by HelperChoice, a platform that facilitates job matching between employers and domestic workers, Hong Kong offers the highest salaries among the leading countries in Asia and the Middle East that hire migrant domestic workers, with a monthly wage of $567.

What are the steps to cancel my insurance coverage?

In the event that you choose to discontinue, reach out to your insurance provider either via telephone or through written communication to notify them of your choice. Once this timeframe has elapsed, terminating the insurance policy may entail additional procedures, especially in the case of permanent insurance, where you might have to weigh the ramifications on the cash surrender value and any associated surrender fees.

Can the coverage of maid insurance be reassigned?

For fresh or relocated domestic helpers, the security deposit will be dispatched to the MOM within a fortnight prior to the commencement of your FWD Maid insurance coverage. In the case of domestic helpers seeking renewal, the security deposit will be sent to the MOM within 2 business days following the issuance of your FWD Maid insurance policy.