Asia Miles

MaidSafe Insurance

Tailored Coverage for Part-time, Local or Overseas Domestic Helpers

It is common for us in Hong Kong to hire a domestic helper to take care of the household chores. However, if your helper suddenly falls sick or gets injured under your employment, the financial burden on you could be substantial. As a thoughtful employer, whether you hire an overseas domestic helper, a local maid or only a part-time helper, you need a professional insurance plan to give you and your helper total peace of mind.

MaidSafe Insurance enables you to meet the legal obligations under the Employees’ Compensation Ordinance and offers you and your helper comprehensive protection through a host of medical, accident and liability coverage. Moreover, its 2 optional riders guarantee extra financial security that you need if your overseas domestic helper suffers from some common major illnesses.

  • Enrollment bonus 500
  • Extra 5 for every HK$ 8 of paid premium
  • Extra 10% premium discount (online application only)

Plan A
Employees' compensation coverage for all domestic helpers including part-timers
Plan B & C
Comprehensive protection for overseas domestic helpers.

  • Product Highlights
    Basic Protection:
  • Employer's liability of up to HK$100,000,000
  • Outpatient benefit of up to HK$200 per day
  • Hospital and surgical benefit
  • Loss of service cash allowances
  • Dental benefit
  • Repatriation expenses
  • Personal accident benefit of up to HK$150,000
  • Personal liability of up to HK$200,000
  • Optional Riders:
  • Additional coverage for heart diseases, cancers, cysts, tumours, or carcinoma in situ attachable to Plan B or Plan C
Table of Benefit Maximum Benefits (HK$)
Basic Protection Plan A Plan B Plan C
Employer's Liability
In respect of legal liability under the Employees' Compensation Ordinance
Outpatient Benefit*
Medical consultation, prescribed medicines and drugs
Bone-setting, physiotherapy or chiropractic treatment		 N/A
Hospital and Surgical Benefit*
Room and Board (including miscellaneous hospital charges)
Surgeon's Fee
Anaesthetist's Fee
Operating Theatre Fee		 N/A
Loss of Service Cash Allowances*
Loss of domestic helper’s service due to hospital confinement (from the 4th day of confinement onwards)		 N/A
Dental Benefit*
Oral surgery, treatment of abscesses, X-rays, extractions or fillings		 N/A
Replacement Helper Expenses
Extra employment agency fee and other replacement expenses due to death or repatriation of the domestic helper as a result of serious injury or illness		 N/A
Repatriation Expenses
Repatriation due to serious illness or injury
Post-mortem treatment and transportation of mortal remains or body ashes to the country of origin		 N/A
Personal Accident
Accidental death or permanent total disablement resulting from injury during rest days in Hong Kong		 N/A
Fidelity Protection
Financial loss from any fraudulent or dishonest act committed by the domestic helper		 N/A N/A
* The outpatient benefit, hospital and surgical benefit, loss of service cash allowances, and dental benefit under the basic protection are subject to a 15-day waiting period from the effective date of the basic protection.
Optional Riders:
By choosing one of the following optional riders in addition to Plan B or Plan C, your obligation to provide your domestic helper with medical protection under the terms of your employment contract will be amply fulfilled if he/she suffers from common major illnesses including heart diseases, cancers, cysts, tumours, or carcinoma in situ.
Optional Major Disease Protector - Gold
The outpatient benefit as well as the hospital and surgical benefit under the basic protection will be extended to cover the major illnesses mentioned above.
Optional Major Disease Protector – Diamond
In addition to an extension of the outpatient benefit as well as the hospital and surgical benefit upon diagnosis of the major illnesses covered, this optional rider offers additional coverage equivalent to the maximum benefits of the hospital and surgical benefit under the basic protection for your enhanced financial security. (See below)
Additional Hospital and Surgical Benefit Maximum Benefits (HK$)
Plan B Plan C
Room and Board
(including miscellaneous hospital charges)
Surgeon’s Fee
Anaesthetist’s Fee
Operating Theatre Fee
* Outpatient benefit, hospital and surgical benefit under Optional Major Disease Protector – Gold, and Optional Major Disease Protector – Diamond are subject to a 15-day waiting period from the effective date of the optional rider.

 

Excess (each and every claim)
(1) Hospital and Surgical Benefit HK$300
(2) Personal Liability HK$500

 

Premium Table (HK$)
Basic Protection Plan A Plan B Plan C
1-year Premium (Original Price) $350.00 $650.00 $750.00
Online Application (10% discount on net premium, i.e. excluding Government levy) $318.55 $585.99 $675.99
Total Asia Miles earned** (excluding Government levy) 675 860 915
Hotline Application (5% discount on net premium, i.e. excluding Government levy) $334.28 $617.99 $712.99
Total Asia Miles earned** (excluding Government levy) 685 860 935
2-year Premium (Original Price) $630.00 $1,170.00 $1,350.00
Online Application (10% discount on net premium, i.e. excluding Government levy) $573.40 $1,054.78 $1,216.78
Total Asia Miles earned** (excluding Government levy) 815 1,145 1,245
Hotline Application (5% discount on net premium, i.e. excluding Government levy) $601.70 $1,112.39 $1,283.39
Total Asia Miles earned** (excluding Government levy) 835 1,180 1,290
With Optional Major Disease Protector – Gold
1-year Premium (Original Price) N/A $850.00 $1,000.00
Online Application (10% discount on net premium, i.e. excluding Government levy) N/A $765.99 $900.99
Total Asia Miles earned** (excluding Government levy) N/A 970 1,055
Hotline Application (5% discount on net premium, i.e. excluding Government levy) N/A $807.99 $950.49
Total Asia Miles earned** (excluding Government levy) N/A 995 1,085
2-year Premium (Original Price) N/A $1,530.00 $1,800.00
Online Application (10% discount on net premium, i.e. excluding Government levy) N/A 1,378.78 $1,621.78
Total Asia Miles earned** (excluding Government levy) N/A 1,350 1,500
Hotline Application (5% discount on net premium, i.e. excluding Government levy) N/A $1,454.39 $1,710.89
Total Asia Miles earned** (excluding Government levy) N/A 1,395 1,555
With Optional Major Disease Protector – Diamond
1-year Premium (Original Price) N/A $970.00 $1,130.00
Online Application (10% discount on net premium, i.e. excluding Government levy) N/A $873.99 $1017.99
Total Asia Miles earned** (excluding Government levy) N/A 1,040 1,130
Hotline Application (5% discount on net premium, i.e. excluding Government levy) N/A $921.99 $1,073.99
Total Asia Miles earned** (excluding Government levy) N/A 1,070 1,165
2-year Premium (Original Price) N/A $1,746.00 $2,034.00
Online Application (10% discount on net premium, i.e. excluding Government levy) N/A 1,573.18 $1,832.38
Total Asia Miles earned** (excluding Government levy) N/A 1,470 1,630
Hotline Application (5% discount on net premium, i.e. excluding Government levy) N/A $1,659.59 $1,933.19
Total Asia Miles earned** (excluding Government levy) N/A 1,525 1,695

1) The payment term of the optional rider should correspond to that of the basic protection.
2) A minimum premium of HK$300 annually will be charged if the basic protection is cancelled. A minimum premium of HK$100 will be charged if the optional rider is added or cancelled. Note: Including the one off 500 enrollment bonus (apply to 1st policy year only) and 5 for every HK$ 8 of paid premium (i.e. excluding Government levy).

Important Notes
Plan A is designed to meet employers' legal obligations under the Employees' Compensation Ordinance.
This plan applies to all domestic helpers including part-timers.
The name of the insured helper is NOT required on the application
Plan B and Plan C apply to full-time overseas helpers only.
All plans are available to domestic helpers aged 18 to 60 at the time of application.
Policies are renewable for domestic helpers up to the age of 65.
Coverage provided by this insurance plan applies to insured events occurring within the Hong Kong Special Administrative Region only.

 

Major Exclusions
(1) War and terrorism.
(2) Any liability in respect of loss or losses from exposure to asbestos.
(3) Pre-existing injury, illness, sickness or disease.
(4) Physical examinations.
(5) Childbirth, pregnancy, miscarriage, abortion and all complications.
(6) Intentional self-inflicted injury or suicide or any attempt while sane or insane.
(7) Intoxication by alcohol, narcotics or drugs not prescribed by a medical practitioner and treatment in connection with addition to drugs or alcohol.
(8) Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex.
Note: The information above is for reference only. Please refer to the actual policy for exact terms and conditions and full list of exclusion. If discrepancies exist between the English version and the Chinese version, the English version shall prevail.

Apply Now To Earn Asia Miles & Enjoy Premium Discount

Click here for Benefit details or to apply online

(The offer of earning Asia Miles is applicable to the insurance policies 
effective on or before 28 February, 2010)

 

Please enter your Asia Miles membership number in the field of 'Membership Number'
on the insurance plan application form to enjoy this offer.

 

*You will enter the webpage of Blue Cross (Asia-Pacific) Insurance Ltd for online application.
You can check the detailed product features and apply immediately in the website.

Or

Call Application Hotline: 2233 4498 (office hour from 9:00am to 5:30pm, Monday to Friday,
except Saturdays, Sundays and Public Holidays)
Terms and conditions:
  1. This insurance plan is underwritten by Blue Cross (Asia-Pacific) Insurance Limited ("Blue Cross"), an authorized insurer in Hong Kong, and distributed by its authorized agent, CIGNA Worldwide General Insurance Company Limited ("CIGNA").
  2. Offer is only applicable to members who purchase the individual plan(s) through the specific designated channels provided by CIGNA.
  3. Offer is available only to Asia Miles members who are Hong Kong residents.
  4. Membership of Asia Miles is mandatory. Please enter your Asia Miles membership number in the field of 'Membership Number' on the insurance plan application form to enjoy this offer.
  5. Asia Miles will be credited to the member's account within four to six weeks after issue of policy.
  6. For after sales services of the above general insurance products, please contact our designated Customer Service Hotline at 3608 2996 (9:00am to 5:30pm, Monday to Friday, except Saturdays, Sundays and Public Holidays).
  7. Please refer to the actual policy for detailed terms and conditions.
  8. If policyholder(s) cancel their policy(ies) within the covered period, Blue Cross will offer partial refund of the premium subject to short period rate or minimum premium, whichever is higher, provided that no claim has been made during the period of insurance.
  9. If policy(ies) is(are) cancelled within the covered period, CIGNA shall charge the policyholder(s) HK$500 as handling fee.
  10. CIGNA and Cathay Pacific Loyalty Programmes Ltd accept no liability for quality of goods and services provided by Blue Cross.
  11. Other Asia Miles terms and conditions apply.
  12. In the event of conflict or discrepancy, the English version shall prevail over the Chinese version.

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