Friday July 10, 2020
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WinHelper - Summary of Cover

  1. Employer's Liability:
    If your helper suffers injury or disease arising out of and in the course of her/his employment, our policy shall indemnify you against your liability at law up to HK$100,000,000 any one event.

  2. Clinical Expenses:
    Should your helper require medical treatment from a clinic for sickness or injury resulting from an accident, our policy will the expenses incurred up to HK$150 per visit per day and up to a maximum of HK$2,000

  3. Surgical and Hospitalization Expenses:
    If your helper is in need of surgery or treatment of sickness or injury
    resulting from an accident, our policy will pay the expenses incurred up to:
    i. HK$300 per day for room and board and other hospital miscellaneous services
    ii. HK$10,000 per disability
    iii. 25% of the amount payable under (ii) above for anaesthesia and its administration
    iv. 12.5% of the amount payable under (ii) above for use of the operating theatre

    The maximum payable per each policy year is HK$20,000.

  4. Dental Expenses:
    Our policy pays two-thirds of the actual and necessary expenses incurred up to a maximum of HK$1,500 for dental treatment required by your helper

  5. Personal Accident Benefits:
    If your helper has an accident during his/her rest days* that results in accidental death or permanent disablement, the following compensation shall be payable: Accidental Death HK$100,000 Loss of two or more limbs 100,000 Loss of sight of both eyes 100,000 Loss of one limb and sight of one eye 100,000 Loss of one limb 50,000 Loss of sight of one eye 50,000 * Compensation should not be seek under this section if it had arisen out of and in the course of employment

  6. Emergency Medical Assistance:
    Certified by a legally qualified and registered practitioner as medically unfit to work due to serious sickness or injury, leading to the termination of his/her employment contract or resulting in her/his death, we shall pay up to a maximum of HK$20,000
    (a) the repatriation of your helper to his/her country of residence or
    (b) the post-mortem treatment and transportation of the mortal remains to the airport nearest to the place of burial in her/his country of residence.

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