F&B Insurance

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.

Compulsory Insurance Items

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.

Optional Insurance Items

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.

WeMedi Outpatient Protector

To alleviate the difficulties of F&B industry, Blue offers WeMedi Outpatient Protector to OpenRice’s merchants at a great discount with no threshold in number of employees!

Know More

Great Value

Yearly unlimited services on 7 types of outpatient services at a with discounted standard charges

Clinic Network

700+ designated
doctors provided

Simple Process

Show your dedicated e-medical card to enjoy your discount without needing to make a claim

Extended Coverage to Family Members

Enroll the plan for designated family members to enjoy discounts on outpatient services.

Employees and their family members can apply for the plan with a discounted premium of HK$138 to enjoy the 7 types of outpatient services with standard charges at 700+ designated doctors, namely:


(inclusive of 3 days
basic medication)


(inclusive of 4 days
basic medication)


Chinese Herbalist

Chinese Bone
Setting Treatment



WeMedi Outpatient Protector OpenRice’s Merchant exclusive price
HK$138 of annual insurance cover only!
• Unlimited numbers of employees for enrollment!

Term and condition applied for this promotion. The above information is provided for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to Blue’s website.
Disclaimer: OpenRice is not authorized to act as Blue’s insurance agent. OpenRice is not authorized to advise nor arrange the purchase of any life insurance plan or provide any sales support to OpenRice’s member/ subscriber under the Promotion. OpenRice’s member/ subscriber should not rely on any information, recommendation or advice provided by OpenRice in making a purchase decision. OpenRice shall not in any way hold himself/ herself as an agent nor an insurance intermediary. OpenRice should not hold himself/ herself as advising, negotiating, arranging, inviting, inducing or attempting to invite or induce OpenRice’s member/ subscriber to enter into an insurance contract or to make an application for an insurance contract. OpenRice shall not conduct any regulated activities as defined under the Insurance Ordinance (Cap. 41)