Do you know what insurance items are compulsory or optional when hiring staffs? Employee’s welfare has always been one of the important considerations for job seekers; as an employer, you might want to incentivize your staffs by upgrading their insurance coverage; this would help increase their sense of belongings and in return, reduce turnover rate.
Employee’s Compensation Insurance (Labor Insurance)
It protects employees that if they are injured or die at work, or suffer from an occupational disease specified in the Employee’s Compensation Ordinance, the employer would be able to pay for the compensation.
According to Section 40 of the Employee’s Compensation Ordinance, all employers must purchase the Employee’s Compensation Insurance, which is applicable to all types of employees (full-time / part-time / temporary / casual) regardless of their contract period or working hours.
Minimum insurance cover
| Number of employees | Amount of Insurance Cover per Event |
|---|---|
| Not more than 200 | Not less than HKD100,000,000 |
| More than 200 | Not less than HKD200,000,000 |
The law also stipulates that employers must post the insurance notice in a conspicuous place at the workplace, and set out the details of the insurance policy after purchasing the Employee’s Compensation Insurance.
Group Medical Insurance
It provides employees with medical benefits, including group hospitalization and surgery protection, hospital cash protection, medic al escort and body repatriation protection, and additional overseas hospitalization medical protection
Integrated Insurance*
- Water and Fire Insurance - Personal Accident Insurance - Additional Expenses Insurance - Cash Insurance - Public Liability Insurance *Items might vary from insurance providers.
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