Most insurance companies in Hong Kong categorize their products into 2 main types, which are basic planand maid insurance. The basic plans cover the one whose employment status is part-time or full time. On the other hand, maid insurance plans only cover full time overseas maids:
| Insurance Plan | Part-time domestic helpers | Full-time local helpers | Full-time overseas helpers |
|---|---|---|---|
| Basic plans | ✓ | ✓ | ✓ |
| Maid insurance plans | ✕ | ✕ | ✓ |
Besides, you can choose standard or premium plan, the price, coverage and maximum benefit are different:
| Insurance Plan | Standard Plan | Premium Plan |
|---|---|---|
| Premium(1-year) | HK$450 | HK$680 |
| Clinical Expenses Cover(1-year) | HK$2,000 | HK$4,500 |
| Personal Liability Cover | ✕ | ✓ |
| Re-hiring Expenses | ✕ | ✓ |
| Fidelity Protection | ✕ | ✓ |
(The above table is comparing Dah Shing Standard and Premium plans)