MAIDSAFE INSURANCE - Coverage & Benefit / Premium

MaidSafe Insurance - Premium
This insurance is underwritten by: Blue Cross (Asia-Pacific) Insurance Limited

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.
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.
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.
The payment term of the optional rider should correspond to that of the basic protection.
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.
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.

MAIDSAFE INSURANCE - Coverage & Benefits
This insurance is underwritten by: Blue Cross (Asia-Pacific) Insurance Limited

Basic Protection


INSURED ITEMS	Maximum Benefits (HK$)
INSURED ITEMS	Plan A	Plan B	Plan C
Employer's Liability In respect of the legal liability under the Employees' Compensation Ordinance	100,000,000 / event
Outpatient Benefit	N/A
Medical consultation, prescribed medicines and drugs Limit per day		150	200
Bone-setting, physiotherapy or chiropractic treatment Limit per day Limit per year		100 500	100 500
Total limit per year		3,000	3,000
Hospital and Surgical Benefit	N/A
Room and Board (including miscellaneous hospital charges) Limit per day		300	300
Surgeon's Fee Limit per disability		10,000	10,000
Anaesthetist's Fee Limit per disability		25% of the eligible Surgeon's Fee 12.5% of the eligible Surgeon's Fee
Operating Theatre Fee Limit per disability
Total limit per year		20,000	25,000
Loss of Service Cash Allowances	N/A
Loss of domestic helper service's due to hospital confinement (from the 4th day of confinement onwards) Limit per day		200	200
Total limit per year		4,000	6,000
Dental Benefit	N/A
Oral surgery, treatment of abscesses, X-rays, extractions or fillings Limit per day		250	250
Total limit per year		1,500	1,500
Replacement Helper Expenses	N/A
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
Total limit per year		3,000	10,000
Repatriation Expenses	N/A
Repatriation due to serious illness or injury
Post-mortem treatment and transportation of mortal remains or body ashes to the country of origin
Total limit per year		20,000	20,000
		20,000	20,000
Personal Accident	N/A
Accidental death or permanent total disablement resulting from injury during rest days in Hong Kong
Total limit per year		100,000	150,000
Fidelity Protection	N/A
Financial loss from any fraudulent or dishonest act committed by the domestic helper
Total limit per year		3,000	6,000
Personal Liability	N/A	N/A
Third party liability arising out of negligence of the domestic helper
Any one accident / any one period			200,000

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	Plan B	Plan C
Additional Hospital and Surgical Benefit	Maximum Benefits (HK$)
Room and Board (including miscellaneous hospital charges) Limit per day	300	300
Surgeon's Fee Limit per disability	10,000	10,000
Anaesthetist's Fee Limit per disability	25% of the eligible Surgeon's Fee
Operating Theatre Fee Limit per disability	12.5% of the eligible Surgeon's Fee
Total limit per year	20,000	25,000

The above information is for reference only. Please refer to the actual policy for exact terms and conditions and full list of exclusions.
If discrepancy exists between the English version and the Chinese version, the English version shall prevail.
All insurance transactions must be arranged within the territory of the Hong Kong Special Administrative Region.