Filipino Domestic Helper Diagnosed with Leprosy - The Importance of Health Checks and Insurance
Recently, a notable incident occurred in Hong Kong: a newly arrived Filipino foreign domestic helper was diagnosed with leprosy, highlighting the importance of health checks and insurance for foreign domestic helpers. This article will discuss the incident, government requirements, and the significance of insurance for domestic helpers.
Incident Overview
According to HK01, a Filipino foreign domestic helper began showing symptoms two weeks after arriving in Hong Kong in late April and was diagnosed with leprosy in mid-June. This diagnosis caused significant concern for her employer, Mrs. Lee, particularly for the health of her three family members, including a young child.
Mrs. Lee subsequently demanded compensation from the employment agency, including over HK$18,000 in agency fees, the cost of the helper's return flight, and medical expenses. However, the agency refused responsibility, citing that health checks conducted in the Philippines and upon arrival in Hong Kong indicated the helper was healthy, and leprosy is not included in Hong Kong's standard health check items. Industry representatives explained that current pre-arrival medical examinations for foreign domestic helpers are not mandated by the Hong Kong government to include specific items, so agencies typically focus on the most concerning areas for employers. These include "three major categories and five key items," such as infectious diseases (e.g., hepatitis B, tuberculosis), sexually transmitted diseases, pregnancy tests, and general physical exams (e.g., vision, blood pressure). Leprosy, being a rare condition, is not usually tested.
The agency offered a 30% discount on a replacement helper, accommodation arrangements, and complete home disinfection services, but a final decision has yet to be made. Discussions between the agency and Mrs. Lee are ongoing regarding how to handle the case.
What is Leprosy?
Leprosy is a chronic infectious disease caused by the bacterium Mycobacterium leprae. It affects the nervous system, respiratory tract, skin, and eyes, causing granulomas. This can lead to loss of sensation, resulting in repeated injuries and possible amputation of affected limbs. Symptoms may also include weakness and deteriorating vision. The incubation period for leprosy can be up to 20 years, but timely treatment can control the disease and prevent its spread.
The Importance of Foreign Domestic Helper Insurance
The lack of standardized health check requirements for foreign domestic helpers can lead to some potential infectious diseases being overlooked, increasing health risks. Insurance for foreign domestic helpers addresses such situations. Most insurance plans do not exclude leprosy.
The "Helper CaliGive" Plan from California Insurance offers comprehensive coverage for employers, with hospital and surgery expenses up to HK$88,000, which can cover long-term hospitalization costs as in this case, ensuring support and compensation for sudden health issues. This not only alleviates employers' concerns but also ensures the safety and health of the family.
Employers should consider insurance plans that include more extensive health check items to maximize family safety. Through this incident, we hope to raise awareness of the importance of health checks and insurance coverage for foreign domestic helpers, ensuring the best protection for employers and their families.
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What is Foreign Domestic Helper Insurance?
Related product:
California Insurance's latest foreign domestic helper insurance offers the highest coverage in Hong Kong with up to HK$88,000 coverage for hospitalization and surgical expenses. It also provides “New Starter Benefit” that offers probationary protection and “Open Cover” policy reservations for up to 365 days. Learn more or apply now.
The information provided in this article is for general reference only and should not be considered as any form of advice. Our company assumes no responsibility for its use
