Protect you against employer liability and medical expenses incurred by your domestic servant
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*Please refer to the policy wording for details of coverage
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BENEFITS
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MAXIMUN BENEFITS PAYABLE (HK$)
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| Employees’ Compensation Cover – Your liability as an employer under the Employees’ Compensation Ordinance |
100 million per event |
| Clinical Expenses | |
| – Actual expenses of your domestic servant incurred for medical treatment for bodily injury or sickness | 200 per visit per day |
| – Actual expenses of your domestic servant incurred for treatment by Chinese Medicine Practitioner or Physiotherapist | 500 per year 100 per visit per day |
| – Aggregate limit | 4,000 per year |
| Surgical and Hospitalisation Expenses – Hospital confinement for surgery or treatment of bodily injury or sickness (include Day Care Surgery) of your domestic servant : |
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| – Room & board and other miscellaneous hospital services charges | 300 per day |
| – Surgical Operation Fee | 10,000 per operation |
| – Anaesthetist Fees | 25% of Surgical Operation Fee |
| – Operating Theatre Charge | 12.5% of Surgical Operation Fee |
| – Aggregate limit | 30,000 per year |
| Service Interruption – Loss or interruption of service resulting from the confinement of your domestic servant in a hospital at least one day for surgery or treatment of bodily injury or sickness |
6,000 per year 300 per day |
| Dental Expenses – Domestic servant requires dental treatment, including oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease |
Two-thirds of actual expenses up to 1,500 per year |
| Personal Accident Benefit – Accidents occurring during domestic servant’s rest days resulting in death, loss of limbs or loss of sight |
100,000 per year |
| Repatriation Expenses – Repatriation of your domestic servant if certified by a Registered Medical Practitioner as medically unfit to complete the term of contract of employment, or in the event of death, the repatriation of his/her mortal remains to the country of residence |
20,000 per year |
| Replacement Helper Expenses – Actual expenses incurred to employ a new domestic employee in the event your domestic servant is repatriated due to serious sickness, bodily injury or death |
10,000 per year |
| Fidelity Guarantee – Pecuniary loss directly resulting from the act of fraud or dishonesty committed by your domestic servant |
10,000 per year |
| Medical Protection for Abuse of Your Family – Actual medical expenses incurred for the treatment of bodily injury of your Family caused by domestic servant’s intentional malicious acts – Post-traumatic stress disorder treatment expenses |
10,000 per year 1,000 per visit per day |
The above is a summary of Major Exclusions only. For details, please refer to policy provisions.
Insurance Authority (IA) has announced the collection of levy on insurance premium under the ‘Insurance Ordinance’ with effect from 1 January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy.
The above plan is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”) which is a general insurer authorized and regulated by the Insurance Authority of HKSAR. Standard Chartered Bank (Hong Kong) Limited (“SCBHK”) is an insurance agent appointed by MSIG (Licensed Insurance Agency FA1239). To the extent permissible by law, Standard Chartered Bank (Hong Kong) Limited shall not be liable to any person for the use of any of the above information.
The above plan, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions.
The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG at (852) 3122 6722 (Service Hours: Mon – Fri 9:00am – 5:30pm, except public holidays).
The material and information contained on this Web Site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this Web Site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.
In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Standard Chartered Bank (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, Standard Chartered Bank (Hong Kong) Limited will enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the product should be resolved directly between MSIG and the customer.