In Hong Kong, insurance options for foreign domestic helpers vary in premiums and coverage, mainly divided into basic and comprehensive plans. Basic plans cover essentials like employee compensation and hospitalization, while comprehensive plans offer additional benefits such as medical and dental coverage. Understanding these options is crucial before purchasing insurance.

Foreign domestic helper insurance may seem straightforward, but there are many details that could be missed if not careful. It's only when you really need to make a claim that you might discover it's not covered, leaving you in a difficult situation. In the Vol. 3 of our Q&A series about foreign domestic helper insurance, we'll share information about the reimbursement limits and total caps for clinical expenses, the correct policyholder, policy effective/waiting periods, and job-hopping protection.