19Dec

Employer’s Guide to Employee Compensation Insurance in Hong Kong

 

Employee Compensation Insurance or EC Insurance is a liability cover specific for businesses with hired workers. This is mandatory in Hong Kong for all businesses.

According to Section 40 of the Employees’ Compensation Ordinance, Chapter 282 of the Laws of Hong Kong, no employer shall employ any employee in any employment unless there is in force a policy of insurance to cover their liabilities both under the Ordinance and at common law for injuries at work in respect of all their employees, irrespective of the length of employment contract or working hours, full-time or part-time, permanent job or temporary employment.

This ordinance also applies to domestic helper insurance but will vary in cost and coverage.

An employer who fails to comply with the Ordinance to secure an insurance cover commits an offence and is liable on conviction to amaximum fine of HK$100,000 and imprisonment for two years.

MUST-KNOW FOR EMPLOYERS

  • Minimum insurance cover

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  • Full cost of insurance CANNOT be deducted from your employees’ earnings. A breach in this ordinance makes the employer liable to a fine of $10,000 and 6 months imprisonment.
  • When you add more employees to your business, make sure you contact your insurance provider to discuss any adjustments.
  • Ask if the Employee Compensation Insurance covers subcontractors. You are not required to take out a policy for them as there is another type of insurance they can arrange for themselves. You can read our blog about being an expat contractor in Hong Kong here.
  • Take note of sick leaves and medical expenses in case an employee is injured during work.

Some information for Employers and Employees

Employee Compensation Insurance covers the following:

  • medical care from injury or illness
  • replacement income (start date may vary)
  • costs for retraining
  • compensation for any permanent injuries
  • benefits to survivors of workers who are killed on the job
  • policy does not cover pain and suffering
  • some policies can cover long term and permanent injuries
  • volunteers workers may also be covered by some policies

Once an employee makes a claim, they forfeit any chances of pursuing a legal complaint against the company.

FOR A QUOTE OR MORE ANY QUESTIONS ABOUT THIS INSURANCE, FILL UP THE FORM HERE: Employee Compensation Insurance Quote

14Dec

Expat Guide: Schools in Hong Kong

The former British colony’s education system is highly regarded with top standards. Even public schools uphold quality curriculums but are mainly taught in Cantonese with a focus on repetitive examinations—a system that might be different from what expats look for in a school. As a result, expats favor international schools.

ENTERING HONG KONG SCHOOLS

The first thing expats must know is that getting into good schools in Hong Kong could be challenging. The demand is high and so are the standards. If you’re planning to move with your family, we recommend you start your application a year early to take into account the waiting period. Affluent locals also compete for slots that make the process even more challenging. Some international companies sometimes reserve spots for their employees’ children so check to see if your employer can provide you with assistance.

Education is taken very seriously in Hong Kong culture. Teachers are treated with a great deal of respect, and students tend to be disciplined and well behaved.

The school year in Hong Kong typically runs from September to July.
top schools in hongkong
Expats who choose to reside in Kowloon or the New Territories choose an international school based because of their close proximity to more international schools.

Expats also have to note that if your package does not include subsidy for your kid’s education, you might find tuition for international schools quite costly so best to look at all possible options.

Below is a list of international schools you can start with:

Hong Kong International School
www.hkis.edu.hk
Gender: Co-educational
Curriculum: American
Ages: 4 to 18

Harrow International School Hong Kong
www.harrowschool.hk/
Gender: Co-educational
Curriculum: British
Ages: 4 to 18

American International School of Hong Kong
www.ais.edu.hk
Gender: Co-educational
Curriculum: American
div dir=”ltr”>Ages: 3 to 18

Australian International School Hong Kong
www.aishk.edu.hk
Gender: Co-educational
Curriculum: Australian and International Baccalaureate
Ages: 3 to 18

Beacon Hill School
www.beaconhill.edu.hk
Gender: Co-educational
Curriculum: International Baccalaureate
Ages: 3 to 10

Bradbury Junior School
www.bradbury.edu.hk
Gender: Co-educational
Curriculum: International Baccalaureate
Ages: 4 to 10

Canadian International Schools of Hong Kong
www.cdnis.edu.hk
Gender: Co-educational
Curriculum: Canadian (Ontario) and International Baccalaureate
Ages: 3 to 18

Carmel School of Hong Kong
www.carmel.edu.hk
Gender: Co-educational
Curriculum: Jewish and general studies
Ages: 3 to 12

International Montessori School
www.montessori.edu.hk
Gender: Co-educational
Curriculum: Montessori
Ages: 1,5 to 12

Kellet School (British International School in Hong Kong)
www.kellettschool.com

Gender: Co-educational
Curriculum: British
Ages: 3 to 14

King George V School
www.kgv.edu.hk
Gender: Co-educational
Curriculum: British (IGCSE) and International Baccalaureate
Ages: 12 to 18

Quarry Bay School
www.qbs.edu.hk
Gender: Co-educational
Curriculum: International Baccalaureate
Ages: 5 to 13

Yew Chung International School
www.ycis-hk.com
Gender: Co-educational
Curriculum: IGCSE (Cambridge) and International Baccalaureate
Ages: 6 months to 19

For any assistance on family or personal insurance, we help find the best cover for expats in Hong Kong. Get in touch with us today.

5Dec

Prostate Cancer Information in Hong Kong

Prostate cancer is among the most common cancers affecting men. In Hong Kong, it’s the fifth most common cancer with over 1,600 new cases every year and is the 3rd most common type of cancer among men in Hong Kong.

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The prostate is a gland that’s only found in men. It’s usually the size of a walnut, and is located below the bladder, surrounding the first part of the urethra, which allows urine to pass from the bladder to the penis. The prostate produces semen, a thick white fluid that mixes with the sperm produced by the testes. It also produces a protein called prostate specific antigen (PSA), which turns the semen into liquid. Prostate cancer is generally a slow-growing cancer, typically occurring in men over the age of 50. Research shows that over a third of men over 50 have some cancer cells in the prostate, while almost all men over 80 have some cells. The cause of prostate cancer is unknown, but generally the chance is increased if there is a positive family history; it is also more common in Western men.

SYMPTOMS

The symptoms of prostate cancer include:

  • reduced flow of urine
  • increased frequency in urination
  • uncomforatble urination
  • persistent pain in lower back, hips and thighs
  • in some cases, bloody urine.

EXAMINATION

The diagnosis of prostate cancer may include a digital rectal examination (DRE) by a doctor. Digital here is different to the “digital” in electronic equipment. Apart from DRE, PSA can be tested in blood to detect the presence of prostate cancer. However, PSA alone is not very accurate in diagnosing cancer.

It is important to have one’s self examined once you hit 40. Village Insurance’s best practice for recommending covers for males is to find insurance that also covers diseases such as prostate cancer. Insurance can cover treatment and maintenance for cancer.

We can help find the best global insurance for expats in Hong Kong. Get in touch with us for any inquiries. We’re always quick to revert.