10Life Domestic Helper Insurance Scoring Methodology

1. Overview

Medical and Accident Protection Factor

Calculated based on the coverage provided when a domestic helper suffers bodily injury due to an accident, as well as the protection offered for outpatient or inpatient treatment required due to accidents or illnesses (including critical illnesses).

Employer Protection Factor

Calculated based on the coverage offered to the employer by the product, including reimbursement for hiring a replacement helper, repatriation expenses, loyalty protection, and others.

Liability Factor

Calculated based on personal legal liability coverage. In addition to covering the helper’s basic legal liabilities, some products also provide additional protection for the helper’s personal liability.

2. Score Weighting

10Life Domestic Helper Insurance Score Weighting

3. Assumptions

Considering that employers are responsible for the domestic helper’s medical expenses while in Hong Kong, 10Life’s rating model assesses not only the coverage for hospitalization under normal circumstances but also specifically includes medical coverage provided if the helper is diagnosed with a critical illness. Furthermore, the rating model allocates different weighting to various common coverage items based on their importance to employers.

4. Medical and Accident Protection Score Details

The Medical and Accident Protection Score consists of two sub-scores: Medical Score and Accident Protection Score.

The Medical Score is calculated based on the following factors:

Coverage for non-critical illness related inpatient medical expenses, including room & board fees, operating theater fees, etc.
Coverage for critical illness related inpatient medical expenses, including hospitalization fees, operating theater fees, etc.
Coverage for outpatient medical expenses
Coverage for bonesetting or dental medical expenses

The Accident Protection Score considers the amount of coverage provided by the product when the domestic helper suffers bodily injury due to an accident.

5. Employer Protection Score Details

The Employer Protection Score is calculated based on the coverage amounts of the following factors to reflect the level of protection offered to the employer:

Loyalty Protection
Repatriation Expenses
Replacement Helper Expenses
Loss of Service Cash Allowances
Extended Insurance Period Coverage
Protection against abuse of family members

6. Liability Score Details

The Liability Score considers the scope of additional protection provided by the product for the domestic helper’s personal liability, beyond the coverage of the statutory legal responsibilities.

Last reviewed date: Jan 2, 2026

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