Helper Insurance

We have been a licensed insurance agency since 1990.

General Insurance Products: Property, Employee's Compensation, Engineering, Public Liability, Marine, Office, Shop, Home, Helper, Medical, Motor, Travel, Golfers, etc.

Insurance Agency Registration No.: 98904894 (The Hong Kong Federation Of Insurers)

QBE Hongkong & Shanghai Insurance Ltd.

QBE Hongkong & Shanghai Insurance Limited (QBE-HKSI) is a joint venture between the QBE Insurance Group and China Constructon Bank (Asia) Corporation Limited [formerly known as Bank of America (Asia) Limited].

The QBE Insurance Group first established local representation in 1920. Today, QBE Insurance Group is one of the top 25 insurers and reinsurers worldwide. It is active in more than 40 countries and listed on the Australian Stock Exchange.

China Construction Bank (Asia) Corporation Limited, formerly known as Bank of America (Asia) Limited, offers a wide array of consumer and commercial banking services for customers. It is wholly owned subsidiary of China Construction Bank Corporation, a leading bank of China possessing extensive strength in corporate and consumer banking, and treasury operations.

QBE-HKSI is one of the largest established insurance companies in Hong Kong. It offers a comprehensive range of products to meet the varied insurance needs of the corporate and individual clients. Apart from the conventional business insurance products such as fire, business interruption, burglary, marine cargo, employees' compensation, motor etc, QBE-HKSI also provides specialist insurance solutions like trade credit, protection and indemnity, freight forwarders' liability, directors and officers' liability, medical malpractice liability and professional indemnity insurance. In addition, QBE-HKSI offers personal insurance products including household, personal accident, medical, golf, travel and pleasure craft insurance. Besides, QBE-HKSI also carries terms life insurance for both corporate and individual customers.

Standard & Poor's Insurer Financial Strength Rating

QBE has consistently maintained a high Standard & Poor's "A+" Financial Strength Rating.

BENEFITS

1 Year

2 Years

A. Employer's Liability & Personal Accident Insurance

(Covers include Item 1 & 6 below)

HK$450.00

HK$810.00

B. Comprehensive Package

(Covers include Item 1 to 10 below)

OPTIONAL COVER : ^NEW

Cancer & Heart Disease :

Clinical And Surgical & Hospitalization Expenses

Special Offer by

Good Link Consultants

HK$600.00

(Original HK$~~750~~)

HK$250.00

(Additional Premium)

Special Offer by

Good Link Consultants

HK$975.00

(Original HK$~~1,350~~)

HK$450.00

(Additional Premium)

SPECIAL FEATURES
1. Clinical Expenses	HK$200 / day, HK$4000 / year
2. Hospitalization Expenses	HK$30000 per 12 months period
3. Replacement Helper Expenses	HK$10000 per 12 months period
4. Waiting Period	10 days ( It will be waived if copy of renewal notice or policy from existing insurer showing same names of employer and helper can be produced.)
5. Domestic Helper's Liability	Bodily injury or property damage to third party, HK$500000 per 12 months period
6. Optional Cover	Cancer & Heart Diseases - Clinical And Surgical & Hospitalization, HK$100000 per 12 months period
7. If the handover period of the two domestic helpers is within a month's time, you only have to pay an extra premium of HK$100 to get both of them protected. Please note that you have to send in your request through email or fax.
8. The period of insurance can be extended depending on your needs. Premium amount per month is equivalent to 10% of the annual premium (original); 20% for two months and so on. The minimum premium charge is HK$100. Please note that you have to send in your request through email or fax.

Sections	Coverage	Maximum Benefit Limits (HK$)
Employees' Compensation	Your liability as an employer under the law	HK$100 million per event
Clinical Expenses	Medical Treatment from a clinic for sickness or bodily injury resulting from an accident. Chinese Medicine / Bonesetter Treatment / Physiotherapy Aggregate limit	HK$200 per visit per day HK$100/visit/day up to HK$500 HK$4,000 per 12 months period
Surgical & Hospitalization Expenses	Hospital confinement for surgery or treatment of sickness of bodily injury resulting from an accident: Room & Board Charges Surgeon's Fees Anaesthetist fees Operating Theatre Charges Aggregate Limit	$300 per day HK$10,000 / operation 25% of surgeon's fees 12.5% of surgeon's fees HK$30,000 per 12 months period
Loss of Services Cash Allowances	In the event that your Domestic Helper is hospitalized due to sickness or injury, this policy pays you a daily cash allowances for the loss of services commencing from the 4th day of the Helper's confinement.	HK$200 per day HK$6,000 per 12 months period
Dental Expenses	In the event your Helper requires oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease.	Two-thirds of actual expenses up to HK$1,500 per 12 months period
Personal Accident Benefits	Accidents occurring during domestic helper's rest days resulting in accidental death, permanent disablement or loss of sight of both eyes.	HK$200,000 per 12 months period
Repatriation Expenses	Repatriation of your domestic helper who is certified as medically unfit to complete the contract, or in the event of death, the repatriation of her mortal remains to the country of residence.	HK$20,000 per 12 months period
Replacement Helper Expenses	This policy pays you the expenses reasonably and necessarily incurred for employing a replacement helper.	HK$10,000 per 12 months period
Fidelity Guarantee	The policy pays the financial loss of the Insured arising from the dishonest act of the Domestic Helper.	HK$3,000 per 12 months period
Domestic Helper's Liability	The policy covers legal liability of your domestic helper to third party bodily injury or property damage as a result of negligence	HK$500,000 per 12 months period
^NEW OPTIONAL COVER Cancer & Heart Disease *	Clinical And Surgical & Hospitalization Expenses : - HK$100,000 per 12 months period - Lab test expenses up to HK$5,000 per 12 months period - Loss of Service Cash Allowance up to HK$6,000	Additional Premium: HK$250 (1 Year) HK$450 (2 Years)

* Only applicable to domestic helpers who are in good health conditions and have never been diagnosed or treated for cancer or heart disease at the time of insurance application.

Waiting Period: A 10-day waiting period from the commencement date of the policy shall be applicable under Sections 2, 3, 4, 5 and Optional Cover for the Insured Person. (It will be waived if copy of renewal notice or policy from existing insurer showing same names of employer and helper can be produced.) No benefits shall be payable under these sections in respect of any event occurring during the waiting period.

This is not a contract of insurance. Please refer to the insurance policy for terms and conditions and other specific details.

How to Apply:

1. Please deposit or transfer (ATM / internet) premium into one of the following

accounts.

A/C Name: Good Link Consultants

Bank of China, A/C No.: 030-579-10102876 or

Hong Kong Bank (HSBC), A/C No.: 512-245325-001

For interbank funds transfer, please remit the payment together with our additional charge of HK$20.

2. Please send the deposit slip or transfer receipt with the completed application form

and copy of renewal notice or policy (if any) to 8104 0816 by fax or by

email igoodlink@igoodlink.com / goodlinkconsultants@yahoo.com.hk .

3. Upon receipt of the fax or email, the insurance cover will be taken with immediate

effect (except Saturdays, Sundays and public holidays). Policy will be delivered

within 2 days.

For Enquiry：2369 0816

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