What families must provide, and the medical cover helpers should have at work.
Hong Kong law says the family must pay for the helper’s medical treatment and keep employees’ compensation insurance. This protects the helper if she is ill or injured, and it protects the family from very large hospital bills.
During employment, the family is responsible for:
Without a proper plan, one hospital stay can cost a family a lot of money, and a helper may wait too long for care. A good domestic helper policy usually includes:
| Coverage Component | Benefit Scope |
|---|---|
| Hospital & Surgical | Room & board, intensive care, surgical fees, anaesthetist fees up to HK$80,000+ per year. |
| Outpatient / Clinical | General practitioner consultations, prescribed medications, and specialist visits. |
| Dental Care | Routine dental checkups, tooth extraction, and acute pain treatment. |
| Repatriation Expenses | Covers emergency air evacuation or repatriation back to the home country if medically unfit. |
| Fidelity / Fraud Protection | Coverage for financial loss due to helper fraud or theft. |
AsianCharm works with established Hong Kong insurers. We can help you choose a 1-year or 2-year plan and get a certificate quickly for the visa. Helpers can also ask us what a policy should include.
Message us and we will explain the cover in simple terms.
We are in Sheung Wan, about two minutes from the MTR. Families and helpers are both welcome — walk in, WhatsApp, or book a time.
Wayson Commercial Building
28 Connaught Road West, Sheung Wan, Hong Kong SAR
Mon - Sat: 9:30 AM - 6:30 PM
Sunday & Statutory Holidays: By Appointment
Tell us if you are a family or a helper. A consultant will reply within 24 hours.