Smart Domestic Helper Insurance Plan

In addition to the foreign domestic helper protection, there is a special local domestic helper protection meets your different needs. An “Optional Enhanced Benefits” can be added for foreign domestic helper protection, giving you peace of mind at all time.

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Product Highlights

“Protection for Foreign Domestic Helper”

1. Basic Benefits

  • Medical expenses for Clinical Expenses, Hospital and Surgical Expenses, Dental Expenses, as well as Prescribed Medicines and Drugs under Outpatient, Chinese Bone-setting, Physiotherapy and Chiropractic Treatment.
  • Personal Accident Benefit : Provides the maximum limit of Personal Accident Benefit up to HK$200,0001. Arising from bodily injury of the insured domestic helper during rest day in Hong Kong.
  • Replacement of Domestic Helper Expenses: The actual replacement expenses reasonably and necessarily incurred for the employer employing a new domestic helper due to serious sickness or death of the domestic helper.
  • Fidelity Protection Benefit: Protecting the financial loss caused by dishonest or fraudulent by the domestic helper and extending the benefit to the unauthorized use of IDD and the lock replacement expenses.


2. Optional Enhanced Benefits

  • Critical Illness Benefit: In case your domestic helper unfortunately diagnosis with critical illness for the first time by a specialist doctor, up to 40 types of the designated critical illnesses can be covered arising from the Hospital and Surgical Expenses. The maximum limit can be enhanced to HK$150,0001 per year.
  • Early Termination of Employment Contract Benefit: If the early termination of employment contract has occurred twice in a year2, either the insured domestic helper resigns or being dismissed by the employer, the actual reasonable and necessary expenses related to the employer to hire another new domestic helper in Hong Kong.


“Protection for Local Domestic Helper”

  • You can also enjoy the Employer’s Liability Benefit and the Domestic Helper Personal Liability Benefit by enrolling the "Local Domestic Helper Plan" for your local domestic helper or post-natal care helper.
  • Special short-term Period of Insurance to match you needs; you can extend the period of insurance month by month without underwriting required for each extension.


  1. Refers to the maximum limit of “Comprehensive Plan”.
  2. Means each continuous 12 months period starting from the effective date of this Policy.

Major Exclusions (For details, please refer to the Policy)

  • War, rebellion, nuclear weapons, radiations or terrorism (except as otherwise specified);
  • Suicide, pregnancy, intoxication by alcohol, narcotics or drugs not prescribed by a legal qualified medical practitioner;
  • AIDS (Acquired Immune Deficiency Syndrome), HIV(Human Immunodeficiency Virus);
  • Pre-existing conditions prior to the inception of the insurance;
  • Any events occurring outside Hong Kong;
  • Mental disease or venereal diseases, physical check-up;
  • Loss of Money, Valuables and mobile phone or theft or Burglary if the home is unoccupied (only applicable to item 5 “Domestic Helper Personal Property Benefit);
  • Any occurrence happens at the Policyholder’s residence or any food and drink poisoning (only applicable to item 6 “Domestic Helper Personal Liability Benefit);
  • Flight ticket for new Insured Domestic Helper or wages or salaries of the Insured Domestic Helper or the new Insured Domestic Helper (only applicable to item 10 “Replacement of Domestic Helper Expenses);
  • Chinese herbalist’s treatment expenses (only applicable to item 13 “Critical Illness Benefit).

Application Method

Please go to BOCHK Mobile Application/ Mobile Banking for instant application.

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iOS users         Android users    Huawei users

Android users
(If unable to access Google Play)

Version: 7.1.6
Updated on: 31 March 2024

Security tips:

  • If any apps from suspicious download are found, please do not login and stop operation immediately.
  • Prevent download any counterfeit mobile application which is attached with Phishing program / Trojan to steal the login information.
  • Do not copy or install mobile application from uncertain sources on mobile device.
  • If any abnormalities are found, such as unusual layout or unusual slow login response, please stop the operation immediately.


  • Please download mobile applications from official application stores or BOCHK website, and ensure the search wording is correct. iPhone or iPad users may download BOCHK Mobile Applications via App Store; Android users may download BOCHK Mobile Applications via Google Play, and Huawei AppGallery or BOCHK website.
  • * Recommended Operating System: Android 8.0 or above.
  • Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.. Android, Google Play, and the Google Play logo are the registered trademarks of Google Inc.. Huawei AppGallery is provided by Huawei Services (Hong Kong) Co., Limited. HUAWEI EXPLORE IT ON AppGallery and the HUAWEI EXPLORE IT ON AppGallery logo are the registered trademarks of Huawei Technologies Co., Limited.


Important Notes:

  • The Plan and the supplementary rider(s) (if any) are underwritten by Bank of China Group Insurance Company Limited ("BOCG Insurance").
  • BOCG Insurance is authorised and regulated by the Insurance Authority to carry on general insurance business in Hong Kong Special Administrative Region of the People's Republic of China ("Hong Kong").
  • The Bank of China (Hong Kong) Limited ("BOCHK") is granted an insurance agency licence under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) by Insurance Authority in Hong Kong Special Administrative Region of the People's Republic of China. (insurance agency licence no. FA2855)
  • BOCG Insurance reserves the sole right to determine whether any application for the Plan and the supplementary rider(s) (if any) is acceptable or not in accordance with the information submitted at the time of application by the Proposer and/or Insured Person.
  • BOCHK is the appointed insurance agency of BOCG Insurance for distribution of the Plan. The Plan is product of BOCG Insurance but not BOCHK.
  • BOCG Insurance and/or BOCHK reserve the right to amend, suspend or terminate the Plan, and to amend the relevant terms and conditions at any time. In case of any dispute(s), the decision of BOCG Insurance and/or BOCHK shall be final.
  • In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the Plan should be resolved directly between BOCG Insurance and the customer.
  • This promotional material is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of BOCG Insurance outside Hong Kong. Please refer to the policy documents and provisions issued by BOCG Insurance for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, policy costs and fees) of the Plan and the supplementary rider(s) (if any). For enquiry, please contact the staff of BOCHK.
  • The Plan and the supplementary rider(s) (if any) are subject to the formal policy documents and provisions issued by BOCG Insurance. Details of the coverage of the Plan are subject to the terms and conditions stipulated in the policy by BOCG Insurance. Please refer to the policy documents for the details of the insured items and coverage, provisions and exclusions.

The Insurance Authority (“IA”) will collect premium levy from the policyholder at the applicable rate. In order to avoid any legal consequences, the policyholder must pay to the insurance company a prescribed levy for the premium for direct remittance to the IA. The levy amount may be subject to change depending on the applicable rate. For details, please visit IA's website