inTrust Domestic Helper Insurance Plan

Domestic helpers offer great support for today's hectic lifestyles. They look after our home, our family and help ease the burdens of daily life. If you have a domestic helper, the law requires you to have employee compensation insurance for him or her. This also protects you against unexpected healthcare costs in the event that your domestic helper falls sick or has an accident.

Features

• Employer's liability up to $100,000,000 per event
• Fidelity protection coverage up to $10,000 per year for any financial loss resulting from fraud or dishonest acts committed by your domestic helper
• Subsidy of $200 per day for employing temporary domestic helper if your domestic helper is confined in the hospital for treatment or surgery
• Repatriation cost coverage up to $10,000 per year due to medical reasons
• Medical expenses up to $5,000 per year for bodily injury to your family member under the age of five caused by the intentional malicious act of your domestic helper
• Comprehensive coverage including medical benefits, dental expenses and personal accident protection

General exclusions

This policy does not cover any loss or liability directly or indirectly arising as a result of or in connection with:

1. any pre-existing condition and congenital abnormalities;
2. war, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in strike, riot or civil commotion or any kinds of participation in any act of terrorism;
3. suicide, attempted suicide, intentional self-injury, insanity or any functional disorder or psychiatric condition of the mind, including but not limited to psychoses, neuroses, depression of any kind, anorexia nervosa, bulimia, gender reassignment, schizophrenia and other behavioral disorders;
4. any condition under the influence of alcohol or drug (other than those prescribe by a qualified medical practitioner), alcoholism, drug addiction or solvent abuse;
5. any condition resulting from childbirth, miscarriage, abortion, pregnancy, including but not limited to pregnancy test, pre-natal care as well as post-natal care and other complications arising from pregnancy, contraceptive or contraceptive devices, infertility or any other method of inducing pregnancy, sterilization of either sex; venereal diseases;
6. any injury or illness known by you or your domestic employee which exists at the time of proposal or for which an operation is pending or treatment is being given at the commencement of this insurance;
7. HIV (Human Immunodeficiency Virus) and/or HIV-related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof however caused or however named;
8. participation in any illegal activity, including but not limited to robbery, drug abuse or assault;
9. air travel except as a fare-paying passenger in a properly licensed aircraft operated by a licensed commercial air carrier; riding or driving in any kind of motor racing, or engaging in a sport in a professional capacity or where the domestic employee would or could earn income or remuneration from engaging in such sport, trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level;
10. any disabilities (except Service Interruption Cover and Personal Accident Cover) for which compensation is payable under any law, regulation or for which benefits are payable under any other insurance policies underwritten by any other insurer(s) except to the extent that such claim is not fully reimbursed under or pursuant to such law, regulation or other policies;
11. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel, or from any nuclear weapons material;
12. any cyber act that results in any accident, illness and/or injury; and/or
13. medical treatment and/or surgery for cancer or heart disease (except Optional benefit – heart disease and cancer cover)

For full details of coverage and exclusions, please refer to terms and conditions of policy.

Important Notes

Zurich Insurance Company Ltd (hereafter “Zurich”) is the insurance underwriter of the insurance plan, and is solely responsible for all coverage and compensation. The insurance plan is a product of Zurich but not China CITIC Bank International Ltd. Zurich is not a subsidiary or an affiliate of China CITIC Bank International Ltd. China CITIC Bank International Ltd. is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an appointed licensed insurance agency of Zurich for distribution of general insurance products in the Hong Kong SAR.

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 China CITIC Bank International Ltd. and the customer out of the selling process or processing of the related transaction, China CITIC Bank International Ltd. is required to enter into a Financial Dispute Resolution Scheme process with the customer.

The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.