Hiring a foreign domestic helper takes more than booking flights, signing contracts, and arranging accommodation. If your helper falls ill, gets injured at work, or leaves unexpectedly and needs to be replaced, the additional costs and responsibilities can quickly fall on you as an employer.

From arranging your helper's journey to supporting everyday household and postnatal care needs, SmartHelper Plus helps protect your helper's wellbeing while supporting your responsibilities as an employer.

SmartHelper Plus^# – Multiple plan options for every kind of helper

On a single platform, you can choose from three plan options:

• Foreign Domestic Helpers Comprehensive Plan
• Local Domestic Helper Plan
• Postnatal Care Helper Plan 

Key features of the Foreign Domestic Helpers Comprehensive Plan^#

Instant medical benefit, no excess

• We have waived the waiting period, so your helper's medical coverage takes effect from day one. The plan covers outpatient treatment, hospitalisation, day surgery, and dental expenses arising from accidents or illness, with no excess payable.

Cancer cover, with the option to top up

• Our medical benefit covers cancer and critical illnesses as standard, and you can enhance protection for specified conditions with supplementary medical benefits.

Subsidy to help you replace your helper

• Market-leading coverage for the additional costs of hiring a replacement helper, whether your helper leaves without notice, engages in malicious acts, or terminates their contract early.

Protection for loans made to your helper

• If your helper is repatriated due to death or a medical condition and cannot repay a loan you have provided, this cover protects you.

Personal liability protection

• You are covered against legal liability if your domestic helper's negligence causes bodily injury to a third party, or loss of or damage to their property.

Employees' Compensation Protection

• Employees' Compensation coverage of up to HKD100,000,000 helps protect your legal liability as an employer under the Employees' Compensation Ordinance and Common Law.

Protection against dishonest acts

• Cover against financial loss arising from fraud or dishonest acts of your domestic helper, plus up to HKD8,000 towards lock replacement costs if needed.

Whether you are sorting out flights to Hong Kong or your helper's return home, SmartHelper Plus has you covered, supporting both you and your helper throughout the employment journey.

Key features of the Local Domestic Helper Plan and Postnatal Carer Plan^#

Easy digital application

• Apply online in minutes and receive your policy instantly, with practical protection that suits your household needs.

Employees' Compensation Protection

• Employees' Compensation coverage helps protect your legal liability as an employer under the Employees' Compensation Ordinance and Common Law.

Personal liability protection

• You are covered against legal liability for accidental bodily injury to a third party, or accidental loss of or damage to their property, caused by your domestic helper.

From everyday household support to postnatal care, SmartHelper Plus helps protect both employers and helpers, giving you greater peace of mind.