health insurance for helper?

[hkmom1]

Hi,

I have a full time DH, am I then required to purchase health insurance for her? Otherwise if she gets sick could she use the HK public hospitals such as Queen Mary for the HKD 100 a day?

Thanks

 

[shuchisingh]

hi,

as far as i understand the employer is supposed to pay for all medical expenses. but if you want to pay on your own and not take a health insurance it is ok as well.

though the FDH insurance package in quite comprehensive and covers a lot of other aspects apart from medical; which is the reason we have one for our helper.

 

[lesliefu]

i believe that it is just beneficial to the employer to get health insurance just in case anything "big" happens...i bought mine from the agency and it cost $3000 and it includes check ups and hospitalization (to a certain extent) so I think it is worth it

 

[Eve12]

We bought our at HSBC for 600

 

[MommyTo3]

We have insurance for her through Allianz. Covers a few more things. It's around $600-something.

 

[joyofliving]

We bought HSBC as well costing 700 something.

 

[shuchisingh]

we have a pretty comprehensive one from hsbc as well ... 700 something

 

[southside852]

yes ours is from HSBC too.

 

[lea]

HSBC, too. you can apply online if you maintain accounts with them.

 

[mcdill]

We got the Pruchoice Maid Insurance policy from Prudential HK, can usually negotiate 10% discount off the standard price.

 

[matemate]

can't the DH use the public system like anyone else with a hk ID?

why the need for additional insurance when everything is covered by the public system already?

 

[lesliefu]

she can - but it covers only the minimal...if she gets anything major that needs hospitalization HK residents get priority and she (you) would have to pay non-resident fees. also, you can't get the yearly body check through the public system (I believe), it's really only for fevers, etc. basic stuff. the wait would be long too - but i suppose if it's nothing major, then that's not really a problem at all...

 

[AussieMum]

We organised ours via Kwiksure but can't remember who it is through, was around $500+. We decided to get it as it covers a lot more than health, such as disability, death etc via work (plus I think many other things like replacement helper if yours falls pregnant etc). Our helper had a few minor incidents which we ended up taking her to QMH (it was out of normal clinic hours) and it only cost us around $70HK so we didn't end up claiming anything, but we did still think it best to get the insurance to cover many other larger expenses. All the best.

 

[sesamestreet]

I bought the QBE Insurance thru the agent, HK$975 for 2 years. Hk$200 per visit, HK$4000 per year