Insurance Guide

Foreign workers take care of the daily life of their employers, but in case the worker's sister gets sick and needs to see a doctor, or even gets cancer, what should be done? In this article, Kwiksure breaks down the 2026 outpatient charges for foreign workers to see government doctors and public hospitals, explains in detail how to calculate foreign workers' sick leave and disease allowance, and shows how domestic workers' insurance covers outpatient, dental, and inpatient medical expenses, reducing the financial burden on employers.

Worried about being scammed when hiring a domestic helper through an agency? Kwiksure has compiled the latest 2026 Employment Agency Blacklist from the Labour Department, listing agencies that have had their licences revoked or received official warnings. It also includes a 4-step guide to verify an agency’s licence, helping you avoid shady intermediaries and hire your helper with greater peace of mind!

What should I do if the Domestic Helper’s contract is about to expire? What should I be aware of when renewing the contract, and how is it handled by domestic workers' insurance? Kwiksure provides a detailed explanation of the steps, required documents, and costs for Filipino and Indonesian domestic helpers to renew their contracts independently, saving on agency fees and avoiding gaps in contracts and insurance coverage, making it easy to renew workers' contracts.

So you’ve finally picked the right maid candidate, and settled everything from their visa to accomodation for them. However, if you think you’ve already fulfilled your obligations as a responsible employer, think again. According to government statistics from 2016, there are around 350,000 maids in Hong Kong, which makes up approximately 3% of the local population. It is stipulated under the Employees’ Compensation Ordinance that health insurance is required for domestic helpers to protect them against the costs of injuries, accidents or illnesses during their employment. Given the huge domestic helper workforce in Hong Kong, and the subsequent business opportunities for insurers, there are a myriad of maid insurance plans on the market. Amid cut-throat competition you may be enticed to purchase the cheapest option you can find. However, cost should not be the only concern. In this week’s Kwiksure blog post, we are going to highlight the key aspects you should take into account when securing maid insurance - namely premium, coverage, waiting period, exclusions, and reimbursement process.

Domestic helpers are human after all, and they need to take vacations to relax every now and then, just like the rest of us. Employers who hire Indian or Filipino maids should have a clear idea of when their helpers will be on leave and plan accordingly. Otherwise, employers may end up thinking that the domestic helper is there to help them when she is on leave. What’s even worse is, when an employer thinks they can pay their helper to buy out their vacations, they could be in violation of the Employment Ordinance. In this Kwiksure article, we will examine how to calculate the four types of holidays for foreign domestic helpers (FDHs), and whether these helpers can work on a holiday. Hopefully, this will serve to help employers abide by the law.

Hiring a domestic helper requires a lot of considerations. Apart from work ability, costs and family needs, many people will also consider the domestic helper's communication and living habits. Currently, foreign domestic helpers in Hong Kong mainly come from the Philippines, Indonesia and Bangladesh. The fees charged, communication skills and living habits of domestic helpers from these three places are different. Can they quickly integrate into the family environment? This time, Kuai Er Bao will compare Filipino maids, Indian maids and Bangladeshi maids from many aspects.

Hong Kong residents lead busy lives, and many families hire 'domestic helpers' to assist with household tasks. However, hiring a foreign domestic helper in Hong Kong comes with requirements regarding household income, labor benefits, and domestic helper insurance, resulting in significant expenses. This guide outlines the costs associated with hiring a helper to help prospective employers budget better.

With the aging population and dual-income families becoming the norm in Hong Kong, the demand for foreign domestic helpers remains high. According to data from the Immigration Department , there are over 350,000 foreign domestic helpers in Hong Kong, meaning about 1 in every 7 households employs a foreign domestic worker. This guide shares preparations before their arrival and four ways to maintain a good employment relationship with helpers.

After childbirth, new mothers need to recuperate and take care of their newborns. As a result, many families hire postnatal care helpers. Just like hiring a foreign domestic worker or a part-time helper, employers are required to purchase insurance for postnatal care helpers. So, how should one choose postnatal care insurance? What is the difference between postnatal care insurance and employee compensation insurance? Today, Kwiksure will address common questions about postnatal care insurance and compare different insurance premiums.

During the summer holidays, many parents plan to travel with their children, and some even bring their domestic helpers abroad. Due to the nationality and status of domestic helpers, do they need a visa to enter other countries or regions? What procedures should be followed? Is travel insurance different from that for Hong Kong residents? What should employers pay attention to when traveling with their helpers? Kwiksure shares the key points both employers and helpers should note when traveling together.

In Hong Kong, where people often work long hours and return home to manage various household tasks, hiring a household assistant or hourly worker can significantly reduce the burden. Several institutions offer household assistant or hourly worker services in Hong Kong. Here, we compare the charges and scope of work for six of these services and also look at the costs for additional services.

Many couples are busy with their careers and often hire part-time/domestic helpers to handle household chores. Even though these helpers work part-time or are hired on a one-time basis, if an accident occurs during their employment resulting in injury or death, the employer is legally responsible. Therefore, the law requires employers to purchase insurance for domestic helpers. How is Domestic Helper Insurance different from Foreign Domestic Worker Insurance? What should you pay attention to when purchasing insurance? Today, Kwiksure will share the essential information on buying Domestic Helper Insurance.