HK Express – SmartHelper Plus
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.
FAQ
Foreign Domestic Helper Comprehensive Plan
Under the Employees' Compensation Ordinance of Hong Kong SAR, employers are legally required to maintain Employees' Compensation benefits for their employees.
For foreign domestic helpers, employers are required to cover medical expenses if the helper falls ill or gets injured. The government strongly recommends arranging a proper, comprehensive helper protection plan — one that satisfies the requirements of the Employees' Compensation Ordinance and helps cover unexpected medical and hospitalisation costs.
The applicant of the SmartHelper Plus Insurance must be the employer of the insured helper.
- Aged between 18 and 60 on the policy effective date for new applications
- Aged between 18 and 64 on the policy renewal date (helpers aged 65 and above are not eligible for renewal)
- Holds a valid employment visa and Hong Kong Identity Card issued by the Hong Kong Immigration Department for employment with the policyholder
- Has entered into a standard Employment Contract (ID407) as specified by the Director of Immigration, with the policyholder on or before the policy effective date
- Performs general daily household duties, excluding driving vehicles.
Yes. Under Section 1 – Employees' Compensation, you are covered worldwide for employer liability towards your foreign domestic helper, up to HKD100,000,000, when your helper accompanies you or your family overseas by mutual agreement and continues performing household duties during the trip. Coverage does not apply if your helper suffers bodily injury or death caused by an accident or illness unrelated to household duties during the overseas trip.
AXA is not liable for any judgment against you issued by a court outside the Hong Kong SAR, nor for any judgment made within the Hong Kong SAR to enforce a judgment made outside it. Before taking your helper abroad, please check the relevant visa requirements and local laws of your destination, and pay close attention to your insurance arrangements — we strongly recommend arranging separate travel insurance for your helper to cover medical expenses, personal belongings, and personal liability while overseas.
Yes. Cancer and critical illnesses are covered under Hospital and Surgical Expenses and Clinical Expenses, provided they are not pre-existing before the policy effective date. You can also enhance your medical expenses coverage by adding the optional Supplementary Medical (Critical Illness) Benefit.
Local Domestic Helper Plan
No. Each SmartHelper Plus policy covers only one local domestic helper in this situation, so you will need to apply separately for each helper. However, if you employ different local domestic helpers who work at different time slots at the same place of employment within the same period of insurance, one SmartHelper Plus policy can cover all of them.
- Holds a Hong Kong Identity Card
- Aged between 18 and 64 on policy effective date (helper aged 65 and above are not eligible for renewal)
- Perform general daily household duties, and the main role must be home nurse, part-time carer, postnatal care worker, driver, cook, or gardener
- Monthly wage paid by the policyholder does not exceed HKD10,000
Postnatal Care Helper Plan
- Holds a Hong Kong Identity Card
- Aged between 18 and 64 on policy effective date or extension date
- This plan is not renewable
- Performs postnatal care duties only
- Monthly salary paid by the policyholder does not exceed HKD50,000
For other questions about SmartHelper Plus Insurance, please visit the AXA official website for more details.
For assistance, please contact AXA Customer Service:
Email: axa.gi.hke@axa.com.hk
Hotline: (852) 2894 4673
Operating Hours: 9:00a.m. to 5:30p.m. from Monday to Friday
(Closed on Saturday, Sunday and Public Holiday)
Remark:
# Please refer to the Policy Wording to understand all terms, conditions,benefits, and major exclusions of the Policy.
Disclaimer
The information on this webpage is for reference only and does not constitute a complete description of the applicable terms and conditions. The above insurance is underwritten by AXA General Insurance Hong Kong Limited ("AXA"). Hong Kong Express Airways Limited (Licence No.: FA2201) is registered under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distributing the product in the Hong Kong SAR.