- Check Coverage: Ensure the insurance covers all household tasks, as tasks outside the coverage will not be compensated. Also, check the age limits of covered household assistants (usually 60 or 65 years old).
- Basic Coverage: The basic household assistant insurance, also known as "Employee Compensation Insurance" or "Labor Insurance," typically costs around HKD $300. This includes up to HKD 100 million in employee compensation per incident. Some plans also cover liability for third-party injuries or property damage caused by negligence or accidents.
- One Address Coverage: Each labor insurance policy covers only one address. If you need to hire assistants for multiple locations, you must purchase separate policies for each location.
- Training: Insurance companies may specifically check if the household assistant has received formal training.
- Different Coverage for Different Roles: Insurance requirements may differ based on the nature of the work. Ensure the insurance purchased aligns with the specific needs of the household assistant, whether it’s a confinement nanny or an elderly caregiver.







